K.R.J. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.20M and a net result of €17k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 7994 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
9 d early
2023
27 d late
2022
34 d early
2021
5 d early
2020
19 d late
2019
24 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
€3.20M▲ 0.5%
2024 · €3.18M
2018: €588k
2019: €671k
2020: €2.93M
2021: €2.80M
2022: €2.81M
2023: €2.80M
2024: €3.18M
2018 → 2025
Net result
€17k▼ 95.6%
2024 · €378k
2018: €189k
2019: €85k
2020: €2.32M
2021: €-2k
2022: €5k
2023: €-3k
2024: €378k
2018 → 2025
Total assets
€3.39M▲ 0.1%
2024 · €3.39M
2018: €1.21M
2019: €1.17M
2020: €3.57M
2021: €3.35M
2022: €3.04M
2023: €3.04M
2024: €3.39M
2018 → 2025
Solvency
94.3%▲ 0.4pp
2024 · 93.9%
2018: 48.5%
2019: 57.4%
2020: 82.1%
2021: 83.8%
2022: 92.2%
2023: 92.1%
2024: 93.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.80M-€2.81M▲ 0.2%€2.80M▼ 0.1%€3.18M▲ 13.5%€3.20M▲ 0.5%
Operating result€-24k-€-30k▼ 25.7%€-39k▼ 31.5%€-16k▲ 57.8%€-20k▼ 19.1%
Net result€-2k-€5k€-3k€378k€17k▼ 95.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €20k in 2025 against €16k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.39M
Fixed assets
€1.00M▲ 2.3%
Current assets
€2.39M▼ 0.8%
Equity and liabilities €3.39M
Equity
€3.20M▲ 0.5%
Debt
€192k▼ 6.9%
The debt ratio falls from 6.1% to 5.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
94.3%▲
2024 · 93.9%
ROE
0.5%▼
2024 · 11.9%
ROA
0.5%▼
2024 · 11.2%
Debt
€192k▼
2024 · €207k
Debt ≤ 1 year
€64k▼
2024 · €64k
Debt > 1 year
€123k▼
2024 · €142k
Income taxes
€14k▼
2024 · €45k
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€3.39M€3.39M▲
Fixed assets21/28€980k€1.00M▲
Tangible fixed assets22/27€980k€1.00M▲
Land and buildings22€978k€1.00M▲
Plant, machinery and equipment23€1k€1k=
Furniture and vehicles24€574€0▼
Current assets29/58€2.41M€2.39M▼
Amounts receivable after more than one year29€140k€35k▼
Other amounts receivable291€140k€35k▼
Amounts receivable within one year40/41€2.18M€2.25M▲
Trade receivables40€0-
Other amounts receivable41€2.18M€2.25M▲
Cash at bank and in hand54/58€77k€97k▲
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.39M€3.39M▲
Equity10/15€3.18M€3.20M▲
Contributions10/11€6k€6k=
Reserves13€3.18M€3.19M▲
Distributable reserves133€3.18M€3.19M▲
Amounts payable17/49€207k€192k▼
Amounts payable after more than one year17€142k€123k▼
Financial debts170/4€142k€123k▼
Amounts payable within one year42/48€64k€64k▼
Current portion of amounts payable after more than one year42€19k€19k▲
Financial debts43€0-
Other loans439€0-
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€35k€36k▲
Taxes450/3€35k€36k▲
Accrued charges and deferred income492/3€126€5k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€574▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€-14k€-14k▲
Operating profit (loss)9901€-16k€-20k▼
Financial income75/76B€444k€55k▼
Recurring financial income75€444k€55k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€423k€31k▼
Income taxes67/77€45k€14k▼
Profit (loss) for the period9904€378k€17k▼
Profit (loss) for the period to be appropriated9905€378k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€378k€17k▼
Transfer from equity791/2€0-
Transfer to equity691/2€378k€17k▼
To other reserves6921€378k€17k▼
The notes to these accounts (10 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €378k
Net result €378k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼158%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 36.61
Current ratio from 7.71 to 36.61; short-term debt falls from €345k to €58k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Highest result since 2018net €2.32M ▲2619%
Net result €2.32M, the highest in the series.
31-12
Financial
Liquidity times 8current ratio 9.50
Current ratio from 1.23 to 9.50.
31-12
Financial
Equity above €2MEq €2.93M ▲337%
3 profitable years in a row build equity to €2.93M.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Lo-Reninge · 1 establishment unit since 2010
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.
Zuidstraat 38647 Lo-ReningeGround area
1,077 m²
Building footprint
175 m²
Volume, LiDAR
1,368 m³
Parcel 32014C0250/00E000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zuidstraat 3, 8647 Lo-Reninge
since 20102.188.301.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32014C0250/00E000 | Flanders | 1,077 m² | 1 · 175 m² | 11.1 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,754. 9,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475 568 468