MJ HOME
ActiveThe computed 12-month bankruptcy probability of MJ HOME is 3.8% (moderate). The 2024 annual accounts show negative equity (€-36k) and a net result of €-40k. Its solvency ranks better than 11% of 9981 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability13▼-22
Solvency21▼-5
Growth32
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.95 against 1.01 in 2023; short-term debt: 104.3% and cash: 0.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-4.3%
Return on assets
-4.8%
Age of the figures
21 mo
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2324
2023 to 2024 · latest year €-36k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-36k
2023 · €4k
2023: €4k
2023 → 2024
Total assets
€829k▲ 22.3%
2023 · €678k
2023: €678k
2023 → 2024
Net result
€-40k▼ 542%
2023 · €-6k
2023: €-6k
2023 → 2024
Working capital
€-41k
2023 · €4k
2023: €4k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€4k-€-36k
Operating result€-6k-€-39k▼ 536%
Net result€-6k-€-40k▼ 542%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €39k in 2024 against €6k in 2023; the loss grows.
Balance-sheet composition
Assets €829k
Fixed assets
€5k
Current assets
€823k
Key figures and ratios
EBITDA
€-39k
Cash flow
€-39k
Solvency
-4.3%▼
2023 · 0.6%
Current ratio
0.95▼
2023 · 1.01
Quick ratio
0.04▼
2023 · 0.07
Debt / equity
-24.12
ROA
-4.8%▼
2023 · -0.9%
Interest coverage
-72.34
Debt
€864k▲
2023 · €674k
Debt ≤ 1 year
€864k▲
2023 · €674k
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€678k€829k▲
Fixed assets21/28-€5k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€1k
Furniture and vehicles24-€1k
Financial fixed assets28-€3k
Current assets29/58€678k€823k▲
Stocks and contracts in progress3€629k€789k▲
Stocks30/36€629k€789k▲
Amounts receivable within one year40/41€2k€27k▲
Trade receivables40-€25k
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€47k€7k▼
Equity and liabilities
Total equity and liabilities10/49€678k€829k▲
Equity10/15€4k€-36k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-6k€-46k▼
Amounts payable17/49€674k€864k▲
Amounts payable within one year42/48€674k€864k▲
Trade debts44€834€26k▲
Suppliers440/4€834€26k▲
Taxes, remuneration and social security45-€41k
Taxes450/3-€17k
Remuneration and social security454/9-€24k
Other amounts payable47/48€673k€797k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€248
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€19k
Other operating charges640/8-€435
Gross operating margin9900€-6k€-19k▼
Operating profit (loss)9901€-6k€-39k▼
Financial charges65/66B€35€537▲
Recurring financial charges65€35€537▲
Profit (loss) for the period before taxes9903€-6k€-40k▼
Profit (loss) for the period9904€-6k€-40k▼
Profit (loss) for the period to be appropriated9905€-6k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-46k▼
Profit (loss) brought forward from the previous period14P-€-6k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
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, Bernissart · 1 establishment unit since 2022
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.
Avenue de la Princesse(V.P) 177322 BernissartGround area
3,773 m²
Building footprint
294 m²
Parcel 51522B0011/00G018, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue de la Princesse(V.P) 17, 7322 Bernissart
since 20222.334.698.641
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51522B0011/00G018 | Wallonia | 3,773 m² | 1 · 294 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 29,801 companies in sector 41001 we hold annual accounts for 16,041. 5,428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.