HJCT
ActiveHJCT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166k and a net result of €52k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 15374 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency99▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 4.14 against 5.88 in 2023), and 38.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
34 d early
2022
31 d early
2021
16 d early
2020
40 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€166k▲ 25.3%
2023 · €132k
2021: €115k
2022: €119k
2023: €132k
2021 → 2024
Total assets
€268k▲ 70.6%
2023 · €157k
2021: €169k
2022: €153k
2023: €157k
2021 → 2024
Net result
€52k▲ 89.5%
2023 · €28k
2021: €16k
2022: €24k
2023: €28k
2021 → 2024
Working capital
€135k▲ 10.0%
2023 · €122k
2021: €112k
2022: €115k
2023: €122k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€115k-€119k▲ 3.2%€132k▲ 11.5%€166k▲ 25.3%
Operating result€25k-€37k▲ 47.2%€40k▲ 9.7%€73k▲ 81.4%
Net result€16k-€24k▲ 51.3%€28k▲ 13.3%€52k▲ 89.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 81% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €268k
Fixed assets
€91k▲ 832%
Current assets
€178k▲ 20.4%
Equity and liabilities €268k
Equity
€166k▲ 25.3%
Debt
€103k▲ 309%
The debt ratio rises from 15.9% to 38.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€87k▲
2023 · €53k
Cash flow
€67k▲
2023 · €40k
Solvency
61.7%▼
2023 · 84.1%
Current ratio
4.14▼
2023 · 5.88
Quick ratio
4.14▼
2023 · 5.88
Debt / equity
0.62▲
2023 · 0.19
ROE
31.6%▲
2023 · 20.9%
ROA
19.5%▲
2023 · 17.6%
Interest coverage
32.20▼
2023 · 225.99
Debt
€103k▲
2023 · €25k
Debt ≤ 1 year
€43k▲
2023 · €25k
Debt > 1 year
€60k
Income taxes
€19k▲
2023 · €13k
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
Total assets
20/58€157k€268k▲
Fixed assets
21/28€10k€91k▲
Tangible fixed assets
22/27€10k€91k▲
Current assets
29/58€147k€178k▲
Amounts receivable within one year
40/41€5k€16k▲
Investments
50/53€30k€30k=
Cash & bank
54/58€111k€129k▲
Total equity & liabilities
10/49€157k€268k▲
Equity
10/15€132k€166k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€112k€145k▲
Accumulated profits (losses)
14€8k€8k▲
Amounts payable
17/49€25k€103k▲
Amounts payable after one year
17-€60k
Amounts payable within one year
42/48€25k€43k▲
Trade debts payable within one year
44€523€495▼
Income statement
Code20232024
Gross operating margin
9900€53k€92k▲
Operating result
9901€40k€73k▲
Financial income
75€825€825=
Financial charges
65€234€3k▲
Result before taxes
9903€41k€71k▲
Income taxes
67/77€13k€19k▲
Net result for the period
9904€28k€52k▲
Result to be appropriated
9905€28k€52k▲
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €52k ▲89.5%
Operating result €73k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲25.3%
4 profitable years in a row build equity to €166k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 1,015 companies in sector 69103 we hold annual accounts for 603. 492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2015
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filings
Data from official sources, last processed on 29-07-2026. Scores and ratios are computed by Checked and are not a credit decision.