J & J
ActiveJ & J has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-1k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 13009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency97▲+21
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.1 in 2024), and 37.6% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
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
62.4%
Return on assets
-6.5%
Age of the figures
8 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 31-08-2026, 31 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
31 d late
2024
18 d late
2023
27 d late
2022
31 d late
2021
38 d early
2020
15 d early
2019
11 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 9.5%
2024 · €16k
2018: €9k
2019: €7k
2020: €10k
2021: €5k
2022: €-1k
2023: €16k
2024: €16k
2018 → 2025
Total assets
€23k▼ 23.8%
2024 · €30k
2018: €12k
2019: €13k
2020: €16k
2021: €16k
2022: €17k
2023: €38k
2024: €30k
2018 → 2025
Net result
€-1k
2024 · €4k
2018: €829
2019: €-2k
2020: €3k
2021: €-5k
2022: €-6k
2023: €17k
2024: €4k
2018 → 2025
Working capital
€8k▲ 463%
2024 · €1k
2018: €5k
2019: €-2k
2020: €2k
2021: €-2k
2022: €-9k
2023: €-7k
2024: €1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€-1k€16k€16k▲ 0.1%€14k▼ 9.5%
Operating result€-11k-€-6k▲ 46.7%€17k€5k▼ 71.5%€-1k
Net result€-5k-€-6k▼ 8.2%€17k€4k▼ 73.9%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€6k▼ 55.3%
Current assets
€16k▲ 5.0%
Equity and liabilities €23k
Equity
€14k▼ 9.5%
Debt
€9k▼ 39.7%
The debt ratio falls from 47.5% to 37.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€7k▼
2024 · €13k
Cash flow
€6k▼
2024 · €12k
Solvency
62.4%▲
2024 · 52.5%
Current ratio
1.91▲
2024 · 1.10
Quick ratio
1.87▲
2024 · 1.08
Debt / equity
0.60▼
2024 · 0.91
ROE
-10.5%▼
2024 · 28.2%
ROA
-6.5%▼
2024 · 14.8%
Interest coverage
69.15▼
2024 · 106.74
Debt
€9k▼
2024 · €14k
Debt ≤ 1 year
€9k▼
2024 · €14k
Income taxes
€112▼
2024 · €175
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€30k€23k▼
Fixed assets21/28€14k€6k▼
Tangible fixed assets22/27€14k€6k▼
Plant, machinery and equipment23€13k€6k▼
Furniture and vehicles24€1k€521▼
Financial fixed assets28€96€96=
Current assets29/58€16k€16k▲
Stocks and contracts in progress3€188€333▲
Stocks30/36€188€333▲
Amounts receivable within one year40/41€653€507▼
Trade receivables40€25-
Other amounts receivable41€628€507▼
Current investments50/53€8k€7k▼
Cash at bank and in hand54/58€7k€8k▲
Deferred charges and accrued income490/1€229-
Equity and liabilities
Total equity and liabilities10/49€30k€23k▼
Equity10/15€16k€14k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€1k€-124▼
Amounts payable17/49€14k€9k▼
Amounts payable within one year42/48€14k€9k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45-€1k
Remuneration and social security454/9-€1k
Other amounts payable47/48€11k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€841€788▼
Gross operating margin9900€14k€7k▼
Operating profit (loss)9901€5k€-1k▼
Financial income75/76B-€60
Recurring financial income75-€60
Financial charges65/66B€119€95▼
Recurring financial charges65€119€95▼
Profit (loss) for the period before taxes9903€5k€-1k▼
Income taxes67/77€175€112▼
Profit (loss) for the period9904€4k€-1k▼
Profit (loss) for the period to be appropriated9905€4k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-124▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Profit to be distributed694/7€4k-
Directors or managers695€4k-
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
10-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment7 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment7 facts ▸
- General meeting, 2025-12-15
- Director resignation, Van Stippen Joseph (bestuurder)
- Director appointment, Moraux Kylian (bestuurder)
- Shareholding, 28
- Shareholding, 28
- Shareholding, 28
- Shareholding, 102
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.38
Current ratio from 0.62 to 1.38; short-term debt falls from €6k to €6k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Moraux Kylian
CurrentDirector · since 15-12-2025
15-12-2025
Moraux Kylian: Appointed as Director
15-12-2025
Van Stippen Joseph: Resigned as Director
Location & real-estate footprint
Registered office, Ternat · 1 establishment unit since 2003
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.
Fossebaan 1171741 TernatGround area
2,148 m²
Building footprint
1,799 m²
Volume, LiDAR
26,055 m³
2 parcels, Brussels, Flanders · tallest building 40.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
J & J SRL
since 20032.133.087.507
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819C0042/00A000 | Brussels | 1,644 m² | 1 · 1,642 m² | 40.8 m · 5 fl. |
| 23091C0700/00L000 | Flanders | 504 m² | 1 · 157 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.133.087.507
Similar companies · same sector, comparable size
LYO'S
BE 0749.726.163
Torhout · Eq €14k
SOFIMAT
BE 0720.549.751
Chaudfontaine · Eq €14k
PIZZA 7
BE 0727.988.859
Anderlecht · Eq €14k
NEWHAVEN
BE 0451.146.703
Gent · Eq €14k
DA ROSOLINO
BE 0846.750.315
Liège · Eq €14k
Of 21,633 companies in sector 56112 we hold annual accounts for 9,658. 7,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2003
Fiscal year end31-12
Activities, NACEBEL
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:02/778.99.10
Fax:02/461.36.89