GJC Creations
ActiveThe computed 12-month bankruptcy probability of GJC Creations is 2.2% (moderate). The 2025 annual accounts show equity of €46k and a net result of €-12k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 7452 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-15
Solvency52▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 0.88 in 2024; short-term debt: 22.6% and cash: 0.6% of total assets), but 72.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.2%
Return on assets
-6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
93 d early
2022
103 d early
2021
88 d early
2020
87 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 20.0%
2024 · €58k
2020: €21k
2021: €28k
2022: €58k
2023: €48k
2024: €58k
2020 → 2025
Total assets
€171k▼ 15.0%
2024 · €201k
2020: €113k
2021: €105k
2022: €126k
2023: €122k
2024: €201k
2020 → 2025
Net result
€-12k
2024 · €10k
2020: €11k
2021: €7k
2022: €30k
2023: €-10k
2024: €10k
2020 → 2025
Working capital
€30k
2024 · €-9k
2020: €7k
2021: €-8k
2022: €10k
2023: €-9k
2024: €-9k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€58k▲ 110%€48k▼ 17.8%€58k▲ 21.8%€46k▼ 20.0%
Operating result€10k-€42k▲ 321%€-10k€14k€-9k
Net result€7k-€30k▲ 348%€-10k€10k€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€102k▼ 23.3%
Current assets
€69k▲ 1.1%
Equity and liabilities €171k
Equity
€46k▼ 20.0%
Debt
€124k▼ 13.0%
The debt ratio rises from 71.2% to 72.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €32k
Cash flow
€21k▼
2024 · €28k
Solvency
27.2%▼
2024 · 28.8%
Current ratio
1.78▲
2024 · 0.88
Quick ratio
0.27▼
2024 · 0.88
Debt / equity
2.68▲
2024 · 2.47
ROE
-25.0%▼
2024 · 17.9%
ROA
-6.8%▼
2024 · 5.2%
Interest coverage
7.64▼
2024 · 27.04
Debt
€124k▼
2024 · €143k
Debt ≤ 1 year
€39k▼
2024 · €77k
Debt > 1 year
€86k▲
2024 · €66k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€201k€171k▼
Fixed assets21/28€133k€102k▼
Tangible fixed assets22/27€133k€102k▼
Plant, machinery and equipment23€36k€28k▼
Furniture and vehicles24€97k€74k▼
Current assets29/58€68k€69k▲
Stocks and contracts in progress3-€58k
Stocks30/36-€8k
Contracts in progress37-€51k
Amounts receivable within one year40/41€49k€9k▼
Trade receivables40€30k€8k▼
Other amounts receivable41€18k€907▼
Cash at bank and in hand54/58€17k€1k▼
Deferred charges and accrued income490/1€2k€287▼
Equity and liabilities
Total equity and liabilities10/49€201k€171k▼
Equity10/15€58k€46k▼
Contributions10/11€10k€10k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€6k€-5k▼
Amounts payable17/49€143k€124k▼
Amounts payable after more than one year17€66k€86k▲
Financial debts170/4€66k€46k▼
Other amounts payable178/9-€40k
Amounts payable within one year42/48€77k€39k▼
Current portion of amounts payable after more than one year42€26k€20k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€28k€4k▼
Suppliers440/4€28k€4k▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€18k€9k▼
Accrued charges and deferred income492/3-€17
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€33k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€63-
Gross operating margin9900€33k€26k▼
Operating profit (loss)9901€14k€-9k▼
Financial income75/76B€15€497▲
Recurring financial income75€15€497▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€13k€-12k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€10k€-12k▼
Profit (loss) for the period to be appropriated9905€10k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-5k▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-12k ▼212%
Net result drops to €-12k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.88 to 1.78; short-term debt falls from €77k to €39k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €30k ▲348%
Operating result €42k, net result €30k, both a record.
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Houthalen-Helchteren · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brelaarstraat 303530 Houthalen-HelchterenGround area
3,131 m²
Building footprint
174 m²
Volume, LiDAR
1,393 m³
Parcel 72453F0560/00H000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GJC Creations
since 20192.294.277.256
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72453F0560/00H000 | Flanders | 3,131 m² | 1 · 174 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 321 EUR awarded · 321 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 247 EUR | 247 EUR |
| 2022 | 1 | 74 EUR | 74 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 13,023 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.