Summary
KJ PROJECTS 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 €265k and a net result of €262k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 8023 sector peers (fiscal year 2025). The company has been active since 2020 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 6 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
29 d late
2022
18 d late
2021
31 d early
2020
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▲ 39.8%
2024 · €190k
2020: €80k
2021: €181k
2022: €342k
2023: €441k
2024: €190k
2020 → 2025
Net result
€262k▲ 39.8%
2024 · €187k
2020: €78k
2021: €102k
2022: €160k
2023: €165k
2024: €187k
2020 → 2025
Total assets
€820k▲ 5.4%
2024 · €777k
2020: €154k
2021: €431k
2022: €561k
2023: €592k
2024: €777k
2020 → 2025
Solvency
32.3%▲ 7.9pp
2024 · 24.4%
2020: 52.3%
2021: 42.1%
2022: 61.0%
2023: 74.4%
2024: 24.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€342k▲ 88.5%€441k▲ 29.0%€190k▼ 57.0%€265k▲ 39.8%
Operating result€129k-€186k▲ 44.2%€195k▲ 4.7%€227k▲ 16.6%€282k▲ 23.8%
Net result€102k-€160k▲ 57.5%€165k▲ 2.7%€187k▲ 13.8%€262k▲ 39.8%
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 four years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €820k
Fixed assets
€58k ▼ 15.7%
Current assets
€762k ▲ 7.5%
Equity and liabilities €820k
Equity
€265k ▲ 39.8%
Debt
€555k ▼ 5.7%
Debt's share of the balance-sheet total falls from 75.6% to 67.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
98.9%=
2024 · 98.9%
ROA
32.0%▲
2024 · 24.1%
Debt ≤ 1 year
€468k▲
2024 · €425k
Debt > 1 year
€86k▼
2024 · €162k
Income taxes
€89k▲
2024 · €60k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€777k€820k▲
Fixed assets21/28€69k€58k▼
Tangible fixed assets22/27€69k€58k▼
Furniture and vehicles24€69k€52k▼
Other tangible fixed assets26-€6k
Current assets29/58€709k€762k▲
Amounts receivable after more than one year29€500k€500k=
Other amounts receivable291€500k€500k=
Amounts receivable within one year40/41€35k€24k▼
Trade receivables40€35k€24k▼
Other amounts receivable41€221€219▼
Current investments50/53€50k€64k▲
Cash at bank and in hand54/58€122k€173k▲
Deferred charges and accrued income490/1€2k€76▼
Equity and liabilities
Total equity and liabilities10/49€777k€820k▲
Equity10/15€190k€265k▲
Contributions10/11€3k€3k=
Reserves13€187k€262k▲
Distributable reserves133€187k€262k▲
Amounts payable17/49€588k€555k▼
Amounts payable after more than one year17€162k€86k▼
Financial debts170/4€162k€86k▼
Amounts payable within one year42/48€425k€468k▲
Current portion of amounts payable after more than one year42€90k€77k▼
Trade debts44€17k€4k▼
Suppliers440/4€17k€4k▼
Taxes, remuneration and social security45€30k€29k▼
Taxes450/3€30k€29k▼
Other amounts payable47/48€289k€358k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€246k€302k▲
Operating profit (loss)9901€227k€282k▲
Financial income75/76B€30k€77k▲
Recurring financial income75€30k€77k▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€248k€351k▲
Income taxes67/77€60k€89k▲
Profit (loss) for the period9904€187k€262k▲
Profit (loss) for the period to be appropriated9905€187k€262k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187k€262k▲
Transfer from equity791/2€438k€187k▼
Transfer to equity691/2€187k€262k▲
To other reserves6921€187k€262k▲
Profit to be distributed694/7€439k€187k▼
Return on contributions (dividend)694€439k€187k▼
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2020net €262k ▲39.8%
Operating result €282k, net result €262k, both a record.
31-12
Financial
Equity above €200kEq €265k ▲39.8%
6 profitable years in a row build equity to €265k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €200kEq €342k ▲88.5%
3 profitable years in a row build equity to €342k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €181k ▲126%
2 profitable years in a row build equity to €181k.
29-06
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, Lanaken · 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.
Patersstraat 53621 LanakenGround area
583 m²
Building footprint
226 m²
Volume, LiDAR
1,786 m³
Parcel 73064B0733/00H000, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KJ PROJECTS
since 20202.298.320.473
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064B0733/00H000 | Flanders | 583 m² | 1 · 226 m² | 13.9 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).
Similar companies · same sector, comparable size
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INECO
BE 0462.623.385
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Crixus Management
BE 0675.482.165
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KROLEON
BE 0687.976.359
Knokke-Heist · Eq €265,107
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,693 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.