James
ActiveThe computed 12-month bankruptcy probability of James is 2.2% (moderate). The 2024 annual accounts show equity of €373k and a net result of €251k. Equity is growing by ~78.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 8969 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
Score 2024
91
/ 100
Excellent▲ +6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+20
Solvency68▼-32
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 9.95 against 6.68 in 2023), but 70.5% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-01-2026, 159 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
159 d late
2023
233 d late
2022
220 d late
2020
53 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€373k▲ 206%
2023 · €122k
2020: €34k
2022: €102k
2023: €122k
2020 → 2024
Total assets
€1.26M▲ 785%
2023 · €143k
2020: €48k
2022: €111k
2023: €143k
2020 → 2024
Net result
€251k▲ 1,188%
2023 · €19k
2020: €29k
2022: €20k
2023: €19k
2020 → 2024
Working capital
€1.14M▲ 851%
2023 · €120k
2020: €32k
2022: €101k
2023: €120k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202220232024Trend
Equity€34k-€102k▲ 203%€122k▲ 19.0%€373k▲ 206%
Operating result€36k-€30k▼ 17.9%€34k▲ 15.3%€334k▲ 872%
Net result€29k-€20k▼ 30.5%€19k▼ 2.5%€251k▲ 1,188%
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 872% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.26M
Fixed assets
€2k▼ 29.7%
Current assets
€1.26M▲ 799%
Equity and liabilities €1.26M
Equity
€373k▲ 206%
Debt
€892k▲ 4,137%
The debt ratio rises from 14.7% to 70.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€334k
Cash flow
€252k
Solvency
29.5%▼
2023 · 85.3%
Current ratio
9.95▲
2023 · 6.68
Quick ratio
9.95▲
2023 · 6.68
Debt / equity
2.39▲
2023 · 0.17
ROE
67.3%▲
2023 · 16.0%
ROA
19.8%▲
2023 · 13.6%
Interest coverage
67.37
Debt
€892k▲
2023 · €21k
Debt ≤ 1 year
€127k▲
2023 · €21k
Debt > 1 year
€765k
Income taxes
€78k▲
2023 · €13k
Staff costs
€20k▲
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
Assets
Total assets20/58€143k€1.26M▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€141k€1.26M▲
Amounts receivable after more than one year29-€790k
Other amounts receivable291-€790k
Amounts receivable within one year40/41€79k€209k▲
Trade receivables40€67k€196k▲
Other amounts receivable41€13k€13k=
Cash at bank and in hand54/58€61k€264k▲
Deferred charges and accrued income490/1€819€819=
Equity and liabilities
Total equity and liabilities10/49€143k€1.26M▲
Equity10/15€122k€373k▲
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Share premium1100/10-€5k
Other1109/19€5k-
Reserves13-€225k
Distributable reserves133-€225k
Profit (loss) carried forward14€117k€143k▲
Amounts payable17/49€21k€892k▲
Amounts payable after more than one year17-€765k
Financial debts170/4-€765k
Amounts payable within one year42/48€21k€127k▲
Trade debts44€4k€20k▲
Suppliers440/4€4k€20k▲
Taxes, remuneration and social security45€17k€107k▲
Taxes450/3€17k€107k▲
Income statement
Code20232024
Remuneration, social security and pensions62€13k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€697
Other operating charges640/8€2k€3k▲
Gross operating margin9900€49k€357k▲
Operating profit (loss)9901€34k€334k▲
Financial income75/76B-€25
Recurring financial income75-€25
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€32k€329k▲
Income taxes67/77€13k€78k▲
Profit (loss) for the period9904€19k€251k▲
Profit (loss) for the period to be appropriated9905€19k€251k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€368k▲
Profit (loss) brought forward from the previous period14P€97k€117k▲
Transfer to equity691/2-€225k
To other reserves6921-€225k
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
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 159 days late
2025
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 233 days late
2024
31-12
Financial
Highest result since 2020net €251k ▲1188%
Operating result €334k, net result €251k, both a record.
31-12
Financial
Equity above €200kEq €373k ▲206%
4 profitable years in a row build equity to €373k.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 220 days late
2023
31-12
Financial
Weakest financial yearnet €19k ▼2.5%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
2022
31-12
Financial
Liquidity quadruplescurrent ratio 12.73
Current ratio from 3.22 to 12.73; short-term debt falls from €15k to €9k.
31-12
Financial
Equity above €100kEq €102k ▲203%
2 profitable years in a row build equity to €102k.
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 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.
Albert Leemansplein 191050 ElseneGround area
120 m²
Building footprint
92 m²
Volume, LiDAR
1,087 m³
Parcel 21447B0266/00N006, Brussels · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Albert Leemansplein 19, 1050 Elsene
since 20202.306.948.723
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0266/00N006 | Brussels | 120 m² | 1 · 92 m² | 14.4 m · 4 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 13,391 companies in sector 73300 we hold annual accounts for 6,881. 4,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
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 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.