KJAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €27k and a net result of €22k. Its solvency ranks better than 28% of 9864 sector peers (fiscal year 2024). The company has been active since 2024 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.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
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 05-06-2025, 56 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
56 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€27k
Net result
€22k
Total assets
€94k
Solvency
28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €94k
Fixed assets
€66k
Current assets
€28k
Equity and liabilities €94k
Equity
€27k
Debt
€67k
Debt finances 71.7% of the balance-sheet total.
Key figures and ratios
Solvency
28.3%
ROE
81.2%
ROA
23.0%
Debt
€67k
Debt ≤ 1 year
€20k
Debt > 1 year
€46k
Income taxes
€6k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€94k
Fixed assets21/28€66k
Tangible fixed assets22/27€66k
Plant, machinery and equipment23€2k
Furniture and vehicles24€64k
Current assets29/58€28k
Amounts receivable within one year40/41€22k
Trade receivables40€22k
Cash at bank and in hand54/58€5k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€94k
Equity10/15€27k
Contributions10/11€5k
Profit (loss) carried forward14€22k
Amounts payable17/49€67k
Amounts payable after more than one year17€46k
Financial debts170/4€46k
Amounts payable within one year42/48€20k
Current portion of amounts payable after more than one year42€11k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Other amounts payable47/48€1k
Accrued charges and deferred income492/3€504
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€427
Gross operating margin9900€31k
Operating profit (loss)9901€28k
Financial charges65/66B€842
Recurring financial charges65€842
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€6k
Profit (loss) for the period9904€22k
Profit (loss) for the period to be appropriated9905€22k
Appropriation of the result
Profit (loss) to be appropriated9906€22k
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
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Sint-Niklaas · 1 establishment unit since 2024
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.
Dendermondse Steenweg 2649100 Sint-NiklaasGround area
633 m²
Building footprint
114 m²
Parcel 46445D1822/00F002, Flanders. Linked by address, not a title deed.
1 establishment unit
KJAL
since 20242.361.725.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1822/00F002 | Flanders | 633 m² | 1 · 114 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 8,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.