H.J. & Partners
ActiveThe computed 12-month bankruptcy probability of H.J. & Partners is 2.2% (moderate). The 2025 annual accounts show negative equity (€-32k) and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 13270 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-20
Growth32=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.87 in 2024; short-term debt: 190.7% and cash: 6.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
-90.7%
Return on assets
-78%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-32k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
27 d early
2023
29 d late
2022
24 d late
2021
26 d late
2020
31 d late
2019
59 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-32k▼ 613%
2024 · €-4k
2018: €34k
2019: €35k
2020: €59k
2021: €72k
2022: €63k
2023: €40k
2024: €-4k
2018 → 2025
Total assets
€35k▼ 62.4%
2024 · €94k
2018: €69k
2019: €75k
2020: €78k
2021: €83k
2022: €97k
2023: €96k
2024: €94k
2018 → 2025
Net result
€-28k▲ 38.4%
2024 · €-45k
2018: €-9k
2019: €145
2020: €25k
2021: €12k
2022: €-9k
2023: €-22k
2024: €-45k
2018 → 2025
Working capital
€-37k▼ 203%
2024 · €-12k
2018: €30k
2019: €30k
2020: €55k
2021: €58k
2022: €49k
2023: €29k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€63k▼ 12.7%€40k▼ 35.7%€-4k€-32k▼ 613%
Operating result€15k-€-7k€-18k▼ 140%€-46k▼ 160%€-28k▲ 40.1%
Net result€12k-€-9k€-22k▼ 145%€-45k▼ 99.9%€-28k▲ 38.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€5k▼ 30.7%
Current assets
€30k▼ 65.3%
Key figures and ratios
EBITDA
€-25k▲
2024 · €-43k
Cash flow
€-25k▲
2024 · €-42k
Solvency
-90.7%▼
2024 · -4.8%
Current ratio
0.44▼
2024 · 0.87
Quick ratio
0.39▼
2024 · 0.84
Debt / equity
-2.10▲
2024 · -21.92
ROA
-78.0%▼
2024 · -47.5%
Interest coverage
-5.38▲
2024 · -11.65
Debt
€67k▼
2024 · €99k
Debt ≤ 1 year
€67k▼
2024 · €99k
Staff costs
€58k▼
2024 · €71k
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€94k€35k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€4k€1k▼
Plant, machinery and equipment23€2k€747▼
Furniture and vehicles24€2k€735▼
Financial fixed assets28€4k€4k=
Current assets29/58€86k€30k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€79k€23k▼
Trade receivables40€41k€5k▼
Other amounts receivable41€38k€18k▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1-€888
Equity and liabilities
Total equity and liabilities10/49€94k€35k▼
Equity10/15€-4k€-32k▼
Contributions10/11€61k€61k=
Reserves13€58k€58k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€-123k€-150k▼
Amounts payable17/49€99k€67k▼
Amounts payable within one year42/48€99k€67k▼
Financial debts43€11k€3k▼
Credit institutions430/8€11k€3k▼
Trade debts44€64k€27k▼
Suppliers440/4€64k€27k▼
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€1k€13k▲
Remuneration and social security454/9€22k€12k▼
Other amounts payable47/48-€12k
Income statement
Code20242025
Remuneration, social security and pensions62€71k€58k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€118€2k▲
Gross operating margin9900€28k€35k▲
Operating profit (loss)9901€-46k€-28k▲
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€-45k€-28k▲
Profit (loss) for the period9904€-45k€-28k▲
Profit (loss) for the period to be appropriated9905€-45k€-28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-123k€-150k▼
Profit (loss) brought forward from the previous period14P€-78k€-123k▼
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €25k ▲16869%
Operating result €27k, net result €25k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.96
Current ratio from 1.75 to 3.96; short-term debt falls from €40k to €19k.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
31-12
Financial
Back to profitnet €145
Net result €145 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Antwerpen · 1 establishment unit since 1995
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.
Oude Beurs 82000 AntwerpenGround area
713 m²
Building footprint
487 m²
Volume, LiDAR
7,345 m³
Parcel 11002A1382/00E000, Flanders · tallest building 22.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
TIME CAFE
since 19952.072.975.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A1382/00E000 | Flanders | 713 m² | 1 · 487 m² | 22.6 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-1995
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.