NJ Design
ActiveThe annual accounts of NJ Design for fiscal year 2025 show a net loss of 55% of the equity at the start of that year. The 2025 annual accounts show equity of €35k and a net result of €-43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 14038 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-57
Solvency30▼-9
Growth52=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.03 against 1.12 in 2024; short-term debt: 94.7% and cash: 1.3% of total assets), and 94.7% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
5.3%
Return on assets
-6.6%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
3 d early
2023
14 d late
2022
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 55.4%
2024 · €78k
2022: €27k
2023: €66k
2024: €78k
2022 → 2025
Total assets
€649k▲ 18.1%
2024 · €550k
2022: €361k
2023: €505k
2024: €550k
2022 → 2025
Net result
€-43k
2024 · €12k
2022: €24k
2023: €39k
2024: €12k
2022 → 2025
Working capital
€20k▼ 64.6%
2024 · €57k
2022: €3k
2023: €43k
2024: €57k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€27k-€66k▲ 144%€78k▲ 18.2%€35k▼ 55.4%
Operating result€31k-€68k▲ 120%€22k▼ 67.4%€-27k
Net result€24k-€39k▲ 61.5%€12k▼ 69.0%€-43k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €649k
Fixed assets
€14k▼ 30.0%
Current assets
€635k▲ 20.0%
Equity and liabilities €649k
Equity
€35k▼ 55.4%
Debt
€615k▲ 30.2%
The debt ratio rises from 85.9% to 94.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-20k▼
2024 · €27k
Cash flow
€-36k▼
2024 · €17k
Solvency
5.3%▼
2024 · 14.1%
Current ratio
1.03▼
2024 · 1.12
Quick ratio
0.07▼
2024 · 0.28
Debt / equity
17.77▲
2024 · 6.09
ROE
-124.2%▼
2024 · 15.4%
ROA
-6.6%▼
2024 · 2.2%
Interest coverage
-1.33▼
2024 · 5.46
Debt
€615k▲
2024 · €472k
Debt ≤ 1 year
€615k▲
2024 · €472k
Income taxes
€307▼
2024 · €5k
Staff costs
€3k
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€550k€649k▲
Fixed assets21/28€21k€14k▼
Tangible fixed assets22/27€21k€14k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€0-
Current assets29/58€529k€635k▲
Stocks and contracts in progress3€397k€592k▲
Stocks30/36€397k€592k▲
Amounts receivable within one year40/41€122k€34k▼
Trade receivables40€122k€34k▼
Cash at bank and in hand54/58€10k€9k▼
Deferred charges and accrued income490/1€499€0▼
Equity and liabilities
Total equity and liabilities10/49€550k€649k▲
Equity10/15€78k€35k▼
Contributions10/11€3k€3k=
Reserves13€75k€32k▼
Distributable reserves133€75k€32k▼
Amounts payable17/49€472k€615k▲
Amounts payable within one year42/48€472k€615k▲
Financial debts43€255k€417k▲
Credit institutions430/8€255k€417k▲
Trade debts44€40k€3k▼
Suppliers440/4€40k€3k▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Other amounts payable47/48€162k€187k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€2k€10k▲
Gross operating margin9900€29k€-8k▼
Operating profit (loss)9901€22k€-27k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€5k€15k▲
Recurring financial charges65€5k€15k▲
Profit (loss) for the period before taxes9903€17k€-43k▼
Income taxes67/77€5k€307▼
Profit (loss) for the period9904€12k€-43k▼
Profit (loss) for the period to be appropriated9905€12k€-43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-43k▼
Transfer from equity791/2-€43k
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
The notes to these accounts (9 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-43k ▼459%
Net result drops to €-43k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Highest result since 2022net €39k ▲61.5%
Operating result €68k, net result €39k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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, Schilde · 1 establishment unit since 2021
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.
Blijde Inkomst 262970 SchildeGround area
146 m²
Building footprint
146 m²
Volume, LiDAR
1,125 m³
Parcel 11041B0141/00H000, Flanders · tallest building 20.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NJ Design
since 20212.323.315.294
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0141/00H000 | Flanders | 146 m² | 1 · 146 m² | 20.5 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.
Similar companies · same sector, comparable size
BPI INVEST
BE 0451.450.470
Jette · Eq €35k
CASA
BE 0666.843.821
Maasmechelen · Eq €35k
BCC IMMO
BE 0788.662.062
Eghezée · Eq €35k
VINEA
BE 0649.760.834
Waregem · Eq €35k
MELSTER CONSTRUCT
BE 0738.784.365
Geetbets · Eq €35k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 4,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2021
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
16110Sawmilling and planing of wood
25110Manufacture of metal structures and parts of structures
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.