mj tot de derde
Activemj tot de derde has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €21k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 26942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency95▼-5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 3.38 in 2024), and 18.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.7%
Return on assets
28.2%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
20 d early
2023
33 d early
2022
on the day
2021
4 d early
2020
29 d early
2019
2 d early
← 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 1.5%
2024 · €60k
2018: €29k
2019: €30k
2020: €31k
2021: €31k
2022: €38k
2023: €49k
2024: €60k
2018 → 2025
Total assets
€74k▲ 10.3%
2024 · €67k
2018: €52k
2019: €60k
2020: €66k
2021: €59k
2022: €52k
2023: €60k
2024: €67k
2018 → 2025
Net result
€21k▲ 69.1%
2024 · €12k
2018: €8k
2019: €3k
2020: €3k
2021: €1k
2022: €2k
2023: €12k
2024: €12k
2018 → 2025
Working capital
€11k▼ 36.4%
2024 · €17k
2018: €-666
2019: €-3k
2020: €-3k
2021: €-4k
2022: €595
2023: €5k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€38k▲ 22.6%€49k▲ 27.6%€60k▲ 22.2%€60k▲ 1.5%
Operating result€2k-€5k▲ 176%€16k▲ 213%€20k▲ 21.0%€29k▲ 49.0%
Net result€1k-€2k▲ 89.7%€12k▲ 450%€12k▲ 4.6%€21k▲ 69.1%
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 49% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€50k▲ 15.3%
Current assets
€24k▲ 1.3%
Equity and liabilities €74k
Equity
€60k▲ 1.5%
Debt
€14k▲ 80.3%
The debt ratio rises from 11.2% to 18.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€34k▲
2024 · €21k
Cash flow
€25k▲
2024 · €14k
Solvency
81.7%▼
2024 · 88.8%
Current ratio
1.79▼
2024 · 3.38
Quick ratio
1.79▼
2024 · 3.38
Debt / equity
0.22▲
2024 · 0.13
ROE
34.5%▲
2024 · 20.7%
ROA
28.2%▲
2024 · 18.4%
Interest coverage
64.36▲
2024 · 36.62
Debt
€14k▲
2024 · €8k
Debt ≤ 1 year
€14k▲
2024 · €7k
Income taxes
€8k▲
2024 · €7k
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€67k€74k▲
Fixed assets21/28€43k€50k▲
Tangible fixed assets22/27€43k€50k▲
Land and buildings22€40k€40k=
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24-€8k
Current assets29/58€24k€24k▲
Amounts receivable within one year40/41€8k€8k▼
Trade receivables40€8k€7k▼
Other amounts receivable41€684€460▼
Cash at bank and in hand54/58€15k€17k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€67k€74k▲
Equity10/15€60k€60k▲
Contributions10/11€19k€19k=
Reserves13€38k€38k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€8k€14k▲
Amounts payable after more than one year17€420-
Financial debts170/4€420-
Amounts payable within one year42/48€7k€14k▲
Financial debts43€210€2k▲
Credit institutions430/8€210€2k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€1k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€849€918▲
Gross operating margin9900€22k€35k▲
Operating profit (loss)9901€20k€29k▲
Financial income75/76B-€8
Recurring financial income75-€8
Financial charges65/66B€572€527▼
Recurring financial charges65€572€527▼
Profit (loss) for the period before taxes9903€19k€29k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€12k€21k▲
Profit (loss) for the period to be appropriated9905€12k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€24k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer to equity691/2€11k-
To other reserves6921€11k-
Profit to be distributed694/7€2k€20k▲
Return on contributions (dividend)694€2k€20k▲
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €21k ▲69.1%
Operating result €29k, net result €21k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.38
Current ratio from 1.44 to 3.38; short-term debt falls from €11k to €7k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €1k ▼60.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2023
JACOBS Herman Ludo Frans Cecilia
CurrentDirector · since 06-12-2023
06-12-2023
Resigned as Director
06-12-2023
Appointed as Director
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Tessenderlo · 1 establishment unit since 2013
Ground area
912 m²
Building footprint
116 m²
Volume, LiDAR
754 m³
Parcel 71057A0536/00G000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
mj tot de derde
since 20132.223.557.130
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71057A0536/00G000 | Flanders | 912 m² | 1 · 115 m² | 10.0 m · 2 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 22,724 companies in sector 43211 we hold annual accounts for 10,261. 8,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2013
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
47640Retail sale of games and toys
47650Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.