GROUP RJC

Active

Private limited companyfounded 201610 yrs activeGrondwetlaan 49, 1083 Ganshoren, BelgiumKBO/BCE: BE 0646.759.376

The computed 12-month bankruptcy probability of GROUP RJC is 2.0% (moderate). The 2024 annual accounts show equity of €26k and a net result of €5k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 95% of 36376 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

76 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability91▲+91

Solvency100▲+35

Growth52=

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 14.1 against 1.48 in 2023; short-term debt: 7.1% and cash: 13% of total assets), and 7.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

92.9%

Return on assets

17.6%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 9 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

30 d late

2022

125 d late

2021

141 d late

2020

67 d late

2019

91 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€26k▲ 23.3%

2023 · €21k

2018: €9k 2019: €11k 2020: €35k 2021: €33k 2022: €36k 2023: €21k

2018 → 2024

Total assets

€28k▼ 47.3%

2023 · €53k

2018: €25k 2019: €26k 2020: €49k 2021: €41k 2022: €38k 2023: €53k

2018 → 2024

Net result

€5k

2023 · €-15k

2018: €6k 2019: €-3k 2020: €24k 2021: €-2k 2022: €2k 2023: €-15k

2018 → 2024

Working capital

€26k▲ 67.6%

2023 · €16k

2018: €9k 2019: €11k 2020: €12k 2021: €16k 2022: €25k 2023: €16k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€35k-€33k▼ 5.7%€36k▲ 8.0%€21k▼ 41.6%€26k▲ 23.3%

Operating result€30k-€-3k€2k€-13k€5k

Net result€24k-€-2k€2k€-15k€5k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €5k after a loss of €13k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €28k

92.9%

Equity €26k▲ 23.3%

Debt €2k▼ 93.8%

The debt ratio falls from 60.3% to 7.1%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€11k▲

2023 · €-8k

Cash flow

€10k▲

2023 · €-9k

Solvency

92.9%▲

2023 · 39.7%

Current ratio

14.10▲

2023 · 1.48

Quick ratio

14.10▲

2023 · 1.48

Debt / equity

0.08▼

2023 · 1.52

ROE

18.9%▲

2023 · -71.4%

ROA

17.6%▲

2023 · -28.3%

Interest coverage

230.08▲

2023 · -168.05

Debt

€2k▼

2023 · €32k

Debt ≤ 1 year

€2k▼

2023 · €32k

Income taxes

€134▼

2023 · €2k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€53k€28k▼

Fixed assets21/28€6k-

Tangible fixed assets22/27€6k-

Furniture and vehicles24€6k-

Current assets29/58€48k€28k▼

Amounts receivable within one year40/41€32k€24k▼

Trade receivables40€25k€23k▼

Other amounts receivable41€7k€858▼

Cash at bank and in hand54/58€15k€4k▼

Equity and liabilities

Total equity and liabilities10/49€53k€28k▼

Equity10/15€21k€26k▲

Contributions10/11€19k€19k=

Profit (loss) carried forward14€2k€7k▲

Amounts payable17/49€32k€2k▼

Amounts payable within one year42/48€32k€2k▼

Trade debts44€30k€599▼

Suppliers440/4€30k€599▼

Other amounts payable47/48€2k€1k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼

Other operating charges640/8€304€580▲

Gross operating margin9900€-7k€11k▲

Operating profit (loss)9901€-13k€5k▲

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€46€46=

Recurring financial charges65€46€46=

Profit (loss) for the period before taxes9903€-13k€5k▲

Income taxes67/77€2k€134▼

Profit (loss) for the period9904€-15k€5k▲

Profit (loss) for the period to be appropriated9905€-15k€5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€2k€7k▲

Profit (loss) brought forward from the previous period14P€17k€2k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 6Filings 9

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

31-12

Financial Liquidity times 10current ratio 14.10

Current ratio from 1.48 to 14.10; short-term debt falls from €32k to €2k.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Weakest financial yearnet €-15k ▼859%

Net result drops to €-15k, the lowest in the series; recovery starts the following year.

03-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 125 days late

2022

31-12

Financial Back to profitnet €2k

Net result €2k after one loss-making year.

31-12

Financial Liquidity quadruplescurrent ratio 12.12

Current ratio from 3.02 to 12.12; short-term debt falls from €8k to €2k.

19-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 141 days late

2021

06-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 67 days late

2020

31-12

Financial Back to profitnet €24k

Net result €24k after one loss-making year.

30-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 91 days late

2019

09-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 131 days late

2018

08-10

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 69 days late

02-03

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 214 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Ganshoren · 1 establishment unit since 2016

establishment The establishment unit on the map

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.

Grondwetlaan 491083 Ganshoren

Ground area

270 m²

Building footprint

237 m²

Volume, LiDAR

5,072 m³

Parcel 21392B0026/00L008, Brussels · tallest building 24.9 m, ±7 floors. Linked by address, not a title deed.

1 establishment unit

Grondwetlaan 49, 1083 Ganshoren

General construction of buildings

since 20162.251.467.790

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21392B0026/00L008	Brussels	270 m²	1 · 237 m²	24.9 m · 7 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.

Similar companies · same sector, comparable size

Sint-Agatha-Berchem · Eq €26k

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,539 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-01-2016

Fiscal year end31-12

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.