HCJA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €422k and a net result of €162k. Equity is growing by ~52% per year across the filed fiscal years. Its solvency ranks better than 34% of 9864 sector peers (fiscal year 2024). The company has been active since 2020 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
146 d early
2022
36 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€422k▲ 62.2%
2023 · €260k
2021: €116k
2022: €205k
2023: €260k
2021 → 2024
Net result
€162k▲ 195%
2023 · €55k
2021: €107k
2022: €90k
2023: €55k
2021 → 2024
Total assets
€1.18M▼ 3.3%
2023 · €1.22M
2021: €1.14M
2022: €1.22M
2023: €1.22M
2021 → 2024
Solvency
35.8%▲ 14.4pp
2023 · 21.3%
2021: 10.2%
2022: 16.9%
2023: 21.3%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€116k-€205k▲ 77.5%€260k▲ 26.7%€422k▲ 62.2%
Operating result€53k-€7k▼ 86.6%€71k▲ 904%€107k▲ 50.9%
Net result€107k-€90k▼ 15.9%€55k▼ 38.8%€162k▲ 195%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 51% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.18M
Fixed assets
€873k=
Current assets
€307k▼ 11.5%
Equity and liabilities €1.18M
Equity
€422k▲ 62.2%
Debt
€757k▼ 21.0%
The debt ratio falls from 78.7% to 64.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
35.8%▲
2023 · 21.3%
ROE
38.3%▲
2023 · 21.1%
ROA
13.7%▲
2023 · 4.5%
Debt
€757k▼
2023 · €959k
Debt ≤ 1 year
€651k▼
2023 · €928k
Debt > 1 year
€88k▲
2023 · €31k
Income taxes
€32k▲
2023 · €15k
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€1.22M€1.18M▼
Fixed assets21/28€873k€873k=
Financial fixed assets28€873k€873k=
Current assets29/58€346k€307k▼
Amounts receivable within one year40/41€315k€273k▼
Trade receivables40€134k€49k▼
Other amounts receivable41€181k€224k▲
Cash at bank and in hand54/58€31k€34k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.18M▼
Equity10/15€260k€422k▲
Contributions10/11€9k€9k=
Profit (loss) carried forward14€251k€413k▲
Amounts payable17/49€959k€757k▼
Amounts payable after more than one year17€31k€88k▲
Financial debts170/4€31k€88k▲
Amounts payable within one year42/48€928k€651k▼
Current portion of amounts payable after more than one year42€30k€62k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€27k€24k▼
Taxes450/3€25k€24k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€869k€564k▼
Accrued charges and deferred income492/3-€19k
Income statement
Code20232024
Other operating charges640/8€960€968▲
Gross operating margin9900€72k€108k▲
Operating profit (loss)9901€71k€107k▲
Financial income75/76B-€109k
Recurring financial income75-€109k
Financial charges65/66B€962€22k▲
Recurring financial charges65€962€22k▲
Profit (loss) for the period before taxes9903€70k€194k▲
Income taxes67/77€15k€32k▲
Profit (loss) for the period9904€55k€162k▲
Profit (loss) for the period to be appropriated9905€55k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€251k€413k▲
Profit (loss) brought forward from the previous period14P€196k€251k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Highest result since 2021net €162k ▲195%
Operating result €107k, net result €162k, both a record.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €55k ▼38.8%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-12
Financial
Equity above €200kEq €205k ▲77.5%
2 profitable years in a row build equity to €205k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
3 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, Bertrix · 1 establishment unit since 2020
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.
Rue d'Outrouge 26880 BertrixGround area
3,239 m²
Building footprint
588 m²
Volume, LiDAR
4,370 m³
Parcel 84009C0847/00L005, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HCJA
since 20202.308.723.130
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84009C0847/00L005 | Wallonia | 3,239 m² | 1 · 588 m² | 9.0 m · 2 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 19,747. 13,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.