HJ-INTERIEUR
ActiveHJ-INTERIEUR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €7k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+2
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.12 against 2.73 in 2024; short-term debt: 17.2% and cash: 50% of total assets), and 17.2% 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.
−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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.8%
Return on assets
8.4%
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 15-08-2026, 15 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 · 10 filingsDeviation from the deadline
2025
15 d late
2024
29 d early
2023
3 d early
2022
11 d late
2021
12 d late
2020
30 d late
2019
26 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 9.9%
2024 · €63k
2018: €48k
2019: €48k
2020: €54k
2021: €62k
2022: €67k
2023: €57k
2024: €63k
2018 → 2025
Total assets
€83k▼ 10.4%
2024 · €93k
2018: €59k
2019: €57k
2020: €68k
2021: €75k
2022: €90k
2023: €97k
2024: €93k
2018 → 2025
Net result
€7k▲ 12.4%
2024 · €6k
2018: €209
2019: €41
2020: €9k
2021: €8k
2022: €6k
2023: €12k
2024: €6k
2018 → 2025
Working capital
€59k▲ 21.1%
2024 · €49k
2018: €50k
2019: €49k
2020: €52k
2021: €61k
2022: €51k
2023: €41k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€67k▲ 7.7%€57k▼ 13.9%€63k▲ 9.5%€69k▲ 9.9%
Operating result€12k-€10k▼ 16.4%€18k▲ 76.6%€8k▼ 55.8%€11k▲ 41.3%
Net result€8k-€6k▼ 31.7%€12k▲ 118%€6k▼ 48.7%€7k▲ 12.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€10k▼ 38.1%
Current assets
€73k▼ 4.6%
Equity and liabilities €83k
Equity
€69k▲ 9.9%
Debt
€14k▼ 52.5%
The debt ratio falls from 32.5% to 17.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €14k
Cash flow
€14k▲
2024 · €13k
Solvency
82.8%▲
2024 · 67.5%
Current ratio
5.12▲
2024 · 2.73
Quick ratio
4.90▲
2024 · 2.54
Debt / equity
0.21▼
2024 · 0.48
ROE
10.2%▲
2024 · 9.9%
ROA
8.4%▲
2024 · 6.7%
Interest coverage
11.57▲
2024 · 7.67
Debt
€14k▼
2024 · €30k
Debt ≤ 1 year
€14k▼
2024 · €28k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€3k▲
2024 · €2k
Staff costs
€54k▲
2024 · €40k
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€93k€83k▼
Fixed assets21/28€16k€10k▼
Tangible fixed assets22/27€16k€10k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€14k€8k▼
Current assets29/58€77k€73k▼
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€20k€21k▲
Trade receivables40€16k€14k▼
Other amounts receivable41€4k€7k▲
Cash at bank and in hand54/58€40k€42k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€93k€83k▼
Equity10/15€63k€69k▲
Contributions10/11€12k€12k=
Reserves13€50k€57k▲
Tax-exempt reserves132€10k€10k=
Distributable reserves133€40k€46k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€30k€14k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€28k€14k▼
Current portion of amounts payable after more than one year42€4k€2k▼
Financial debts43-€448
Credit institutions430/8-€448
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€18k€2k▼
Accrued charges and deferred income492/3€4€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€989€1k▲
Gross operating margin9900€56k€73k▲
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€3k€411▼
Recurring financial income75€506€411▼
Non-recurring financial income76B€2k€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€8
Profit (loss) for the period before taxes9903€9k€10k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€7k▲
Transfer to equity691/2€5k€6k▲
To other reserves6921€5k€6k▲
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (8 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €12k ▲118%
Operating result €18k, net result €12k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €41 ▼80.6%
Net result drops to €41, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Putte · 1 establishment unit since 2006
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.
Slameuterstraat 412580 PutteGround area
212 m²
Building footprint
229 m²
Volume, LiDAR
1,313 m³
Parcel 12429D0155/00F000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HJ-INTERIEUR
since 20062.158.195.065
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12429D0155/00F000 | Flanders | 212 m² | 1 · 229 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
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Of 20,030 companies in sector 43320 we hold annual accounts for 9,135. 7,617 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2006
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.