Summary
GOJA HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.04M and a net result of €965k. Equity is growing by ~43.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 2394 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
21 d early
2024
55 d late
2023
6 d late
2022
10 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€3.04M▲ 46.6%
2024 · €2.07M
2022: €439k
2023: €1.82M
2024: €2.07M
2022 → 2025
Net result
€965k▲ 283%
2024 · €252k
2022: €389k
2023: €1.38M
2024: €252k
2022 → 2025
Total assets
€13.33M▲ 16.6%
2024 · €11.43M
2022: €10.77M
2023: €11.10M
2024: €11.43M
2022 → 2025
Solvency
22.8%▲ 4.7pp
2024 · 18.1%
2022: 4.1%
2023: 16.4%
2024: 18.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€247k-€276k€276k=
Equity€439k-€1.82M▲ 314%€2.07M▲ 13.9%€3.04M▲ 46.6%
Operating result€1k-€121k▲ 7,998%€520k▲ 329%€1.43M▲ 174%
Net result€389k-€1.38M▲ 255%€252k▼ 81.7%€965k▲ 283%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 174% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.33M
Fixed assets
€10.38M =
Current assets
€2.95M ▲ 180%
Equity and liabilities €13.33M
Equity
€3.04M ▲ 46.6%
Debt
€10.29M ▲ 10.0%
Debt's share of the balance-sheet total falls from 81.9% to 77.2%. Equity and debt are higher.
Key figures and ratios
ROE
31.8%▲
2024 · 12.2%
ROA
7.2%▲
2024 · 2.2%
Debt ≤ 1 year
€4.28M▲
2024 · €2.44M
Debt > 1 year
€5.83M▼
2024 · €6.75M
Income taxes
€282k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.43M€13.33M▲
Fixed assets21/28€10.38M€10.38M=
Financial fixed assets28€10.38M€10.38M=
Affiliated companies280/1€10.38M€10.38M=
Participating interests280€10.38M€10.38M=
Current assets29/58€1.06M€2.95M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€893k€2.38M▲
Trade receivables40€689k€2.12M▲
Other amounts receivable41€205k€264k▲
Cash at bank and in hand54/58€163k€571k▲
Equity and liabilities
Total equity and liabilities10/49€11.43M€13.33M▲
Equity10/15€2.07M€3.04M▲
Contributions10/11€50k€50k=
Reserves13-€674k
Tax-exempt reserves132-€674k
Profit (loss) carried forward14€2.02M€2.31M▲
Amounts payable17/49€9.36M€10.29M▲
Amounts payable after more than one year17€6.75M€5.83M▼
Financial debts170/4€6.75M€5.83M▼
Subordinated loans170€2.08M€2.36M▲
Credit institutions173€4.46M€3.37M▼
Other loans174€200k€100k▼
Amounts payable within one year42/48€2.44M€4.28M▲
Current portion of amounts payable after more than one year42€1.18M€1.19M▲
Financial debts43-€161k
Credit institutions430/8-€161k
Trade debts44€98k€73k▼
Suppliers440/4€98k€73k▼
Taxes, remuneration and social security45€30k€29k▼
Taxes450/3€30k€29k▼
Other amounts payable47/48€1.13M€2.83M▲
Accrued charges and deferred income492/3€173k€184k▲
Income statement
Code20242025
Operating income70/76A€875k€1.73M▲
Turnover70€276k€276k=
Other operating income74€599k€1.45M▲
Operating charges60/66A€355k€299k▼
Services and other goods61€355k€298k▼
Other operating charges640/8€173€1k▲
Operating profit (loss)9901€520k€1.43M▲
Financial income75/76B€0€85k▲
Recurring financial income75€0€85k▲
Income from financial fixed assets750€0€85k▲
Financial charges65/66B€266k€265k▼
Recurring financial charges65€266k€265k▼
Debt charges650€266k€264k▼
Other financial charges652/9€278€354▲
Profit (loss) for the period before taxes9903€254k€1.25M▲
Income taxes67/77€1k€282k▲
Taxes670/3€1k€282k▲
Profit (loss) for the period9904€252k€965k▲
Transfer to tax-exempt reserves689-€674k
Profit (loss) for the period to be appropriated9905€252k€292k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.02M€2.31M▲
Profit (loss) brought forward from the previous period14P€1.77M€2.02M▲
The notes to these accounts (22 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 55 days late
2024
31-12
Financial
Weakest financial yearnet €252k ▼81.7%
Net result drops to €252k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €2.07M ▲13.9%
3 profitable years in a row build equity to €2.07M.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Highest result since 2022net €1.38M ▲255%
Net result €1.38M, the highest in the series.
31-12
Financial
Equity above €1MEq €1.82M ▲314%
2 profitable years in a row build equity to €1.82M.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Oud-Turnhout · 1 establishment unit since 2021
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.
Steenweg op Ravels 2902360 Oud-TurnhoutGround area
718 m²
Building footprint
200 m²
Volume, LiDAR
703 m³
Parcel 13031C0254/08D000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GOJA HOLDING
since 20212.331.599.688
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13031C0254/08D000 | Flanders | 718 m² | 1 · 200 m² | 5.5 m · 1 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,676 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.