J. DE CNIJF
ActiveJ. DE CNIJF has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €111k and a net result of €25k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (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=
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.73 against 11.75 in 2023), and 44.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
34 d early
2022
62 d early
2021
46 d early
2020
64 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€111k▲ 29.4%
2023 · €86k
2018: €52k
2019: €52k
2020: €59k
2021: €51k
2022: €67k
2023: €86k
2018 → 2024
Total assets
€200k▲ 117%
2023 · €92k
2018: €101k
2019: €89k
2020: €75k
2021: €58k
2022: €70k
2023: €92k
2018 → 2024
Net result
€25k▲ 35.6%
2023 · €19k
2018: €13k
2019: €11k
2020: €7k
2021: €-9k
2022: €16k
2023: €19k
2018 → 2024
Working capital
€82k▲ 17.5%
2023 · €70k
2018: €30k
2019: €34k
2020: €46k
2021: €49k
2022: €66k
2023: €70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€59k-€51k▼ 14.4%€67k▲ 32.0%€86k▲ 27.7%€111k▲ 29.4%
Operating result€14k-€-7k€22k€27k▲ 21.0%€39k▲ 44.9%
Net result€7k-€-9k€16k€19k▲ 14.4%€25k▲ 35.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 45% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €200k
Fixed assets
€96k▲ 504%
Current assets
€104k▲ 36.3%
Equity and liabilities €200k
Equity
€111k▲ 29.4%
Debt
€89k▲ 1,278%
The debt ratio rises from 7.0% to 44.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€55k▲
2023 · €29k
Cash flow
€42k▲
2023 · €21k
Solvency
55.4%▼
2023 · 93.0%
Current ratio
4.73▼
2023 · 11.75
Quick ratio
4.73▼
2023 · 11.75
Debt / equity
0.81▲
2023 · 0.08
ROE
22.7%▲
2023 · 21.7%
ROA
12.6%▼
2023 · 20.2%
Interest coverage
15.76▼
2023 · 449.95
Debt
€89k▲
2023 · €6k
Debt ≤ 1 year
€22k▲
2023 · €6k
Debt > 1 year
€67k
Income taxes
€10k▲
2023 · €8k
Staff costs
€69▼
2023 · €313
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€92k€200k▲
Fixed assets21/28€16k€96k▲
Tangible fixed assets22/27€16k€96k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€14k€94k▲
Current assets29/58€76k€104k▲
Amounts receivable within one year40/41€35k€37k▲
Trade receivables40€34k€32k▼
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€40k€65k▲
Deferred charges and accrued income490/1€1k€903▼
Equity and liabilities
Total equity and liabilities10/49€92k€200k▲
Equity10/15€86k€111k▲
Contributions10/11€12k€12k=
Reserves13€73k€98k▲
Distributable reserves133€73k€98k▲
Profit (loss) carried forward14€349€357▲
Amounts payable17/49€6k€89k▲
Amounts payable after more than one year17-€67k
Financial debts170/4-€67k
Amounts payable within one year42/48€6k€22k▲
Current portion of amounts payable after more than one year42-€19k
Trade debts44€2k€748▼
Suppliers440/4€2k€748▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Accrued charges and deferred income492/3-€2
Income statement
Code20232024
Remuneration, social security and pensions62€313€69▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€17k▲
Other operating charges640/8€655€265▼
Gross operating margin9900€30k€56k▲
Operating profit (loss)9901€27k€39k▲
Financial charges65/66B€65€4k▲
Recurring financial charges65€65€4k▲
Profit (loss) for the period before taxes9903€27k€35k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€19k€25k▲
Profit (loss) for the period to be appropriated9905€19k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€26k▲
Profit (loss) brought forward from the previous period14P€265€349▲
Transfer to equity691/2€19k€25k▲
To other reserves6921€19k€25k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €25k ▲35.6%
Operating result €39k, net result €25k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲29.4%
3 profitable years in a row build equity to €111k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 23.06
Current ratio from 7.82 to 23.06; short-term debt falls from €7k to €3k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-9k ▼220%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Steenokkerzeel · 1 establishment unit since 2008
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.
Pensionaatlaan 131820 SteenokkerzeelGround area
390 m²
Building footprint
98 m²
Parcel 23051C0301/00Y009, Flanders. Linked by address, not a title deed.
1 establishment unit
J. De Cnijf
since 20082.173.131.679
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23051C0301/00Y009 | Flanders | 389 m² | 1 · 98 m² | - |
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 82,218 companies in sector 70200 we hold annual accounts for 52,393. 40,621 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.