NJ Floors

Active

Private limited companyfounded 20197 yrs activeGroeshoeve 28, 2560 Nijlen, BelgiumKBO/BCE: BE 0732.862.417

The computed 12-month bankruptcy probability of NJ Floors is 4.3% (elevated). The 2025 annual accounts show equity of €37k and a net result of €602. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 13090 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

44 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability35▼-14

Solvency71▼-5

Growth52=

Track record100

Bankruptcy probability, 12 months

4.3% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity ample (current ratio 1.84 against 1.15 in 2024; short-term debt: 35% and cash: 2.2% of total assets), but 53.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

46.1%

Return on assets

0.7%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

38 d early

2024

57 d early

2023

8 d early

2022

57 d late

2021

40 d early

2020

37 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

17-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€37k▲ 1.6%

2024 · €37k

2020: €27k 2021: €30k 2022: €33k 2023: €34k 2024: €37k

2020 → 2025

Total assets

€81k▲ 12.1%

2024 · €72k

2020: €35k 2021: €38k 2022: €49k 2023: €107k 2024: €72k

2020 → 2025

Net result

€602▼ 77.0%

2024 · €3k

2020: €23k 2021: €3k 2022: €4k 2023: €1k 2024: €3k

2020 → 2025

Working capital

€24k▲ 371%

2024 · €5k

2020: €21k 2021: €24k 2022: €5k 2023: €-18k 2024: €5k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€30k-€33k▲ 11.9%€34k▲ 3.4%€37k▲ 7.7%€37k▲ 1.6%

Operating result€4k-€4k▲ 23.7%€2k▼ 59.7%€7k▲ 292%€6k▼ 7.8%

Net result€3k-€4k▲ 30.3%€1k▼ 67.7%€3k▲ 131%€602▼ 77.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 8% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €81k

35.5%

64.5%

Fixed assets €29k▼ 12.2%

Current assets €52k▲ 32.3%

Equity and liabilities €81k

46.1%

53.9%

Equity €37k▲ 1.6%

Debt €44k▲ 22.9%

The debt ratio rises from 49.2% to 53.9%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€13k▼

2024 · €14k

Cash flow

€7k▼

2024 · €10k

Solvency

46.1%▼

2024 · 50.8%

Current ratio

1.84▲

2024 · 1.15

Quick ratio

1.34▲

2024 · 0.86

Debt / equity

1.17▲

2024 · 0.97

ROE

1.6%▼

2024 · 7.1%

ROA

0.7%▼

2024 · 3.6%

Interest coverage

1.85▼

2024 · 3.07

Debt

€44k▲

2024 · €36k

Debt ≤ 1 year

€28k▼

2024 · €34k

Income taxes

€733▼

2024 · €1k

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€72k€81k▲

Fixed assets21/28€33k€29k▼

Tangible fixed assets22/27€33k€29k▼

Plant, machinery and equipment23€25k€23k▼

Furniture and vehicles24€5k€2k▼

Other tangible fixed assets26€3k€4k▲

Current assets29/58€40k€52k▲

Stocks and contracts in progress3€10k€14k▲

Stocks30/36€10k€14k▲

Amounts receivable within one year40/41€26k€36k▲

Trade receivables40€6k€2k▼

Other amounts receivable41€20k€34k▲

Cash at bank and in hand54/58€3k€2k▼

Deferred charges and accrued income490/1-€64

Equity and liabilities

Total equity and liabilities10/49€72k€81k▲

Equity10/15€37k€37k▲

Contributions10/11€4k€4k=

Reserves13€3k€3k=

Distributable reserves133€3k€3k=

Profit (loss) carried forward14€30k€31k▲

Amounts payable17/49€36k€44k▲

Amounts payable within one year42/48€34k€28k▼

Current portion of amounts payable after more than one year42€15k€6k▼

Financial debts43€7k€6k▼

Credit institutions430/8€7k€6k▼

Trade debts44€6k€9k▲

Suppliers440/4€6k€9k▲

Taxes, remuneration and social security45€6k€8k▲

Taxes450/3€3k€836▼

Remuneration and social security454/9€3k€7k▲

Other amounts payable47/48-€97

Accrued charges and deferred income492/3€1k€15k▲

Income statement Code20242025

Non-recurring operating income76A€2k€2k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼

Other operating charges640/8€9k€5k▼

Gross operating margin9900€24k€19k▼

Operating profit (loss)9901€7k€6k▼

Financial income75/76B€1k€2k▲

Recurring financial income75€1k€2k▲

Financial charges65/66B€5k€7k▲

Recurring financial charges65€5k€7k▲

Profit (loss) for the period before taxes9903€4k€1k▼

Income taxes67/77€1k€733▼

Profit (loss) for the period9904€3k€602▼

Profit (loss) for the period to be appropriated9905€3k€602▼

Appropriation of the result

Profit (loss) to be appropriated9906€30k€31k▲

Profit (loss) brought forward from the previous period14P€27k€30k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 1Filings 6

Next filing, fiscal year 2026, expected by 30-04-2027

2026

23-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €602 ▼77%

Net result drops to €602, the lowest in the series.

04-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

22-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

26-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 57 days late

2022

21-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

24-03

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

2 acts for this company are 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, Nijlen · 2 establishment units since 2019

establishment All 2 establishment units on the map

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.

Groeshoeve 282560 Nijlen

Ground area

1,074 m²

Building footprint

254 m²

Volume, LiDAR

1,558 m³

2 parcels, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

NJ Floors

Groeshoeve 28, 2560 NijlenFloor and wall tiling

since 20192.292.505.819

Vitoria Brasil

Sint-Jansplein 20, 2060 AntwerpenFood and beverage service activities

since 20232.340.556.946

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12018A0487/00K000	Flanders	940 m²	1 · 121 m²	6.5 m · 2 fl.
11807G0197/00P004	Flanders	135 m²	1 · 133 m²	11.5 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Antwerpen2.340.556.946

1 permission

Toelating · Eetgelegenheid · since 22-02-2023

Similar companies · same sector, comparable size

Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 4,107 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-08-2019

Fiscal year end30-09

Activities, NACEBEL

56301Cafés and bars

43333Wallpapering and laying of floor and wall coverings in other materials

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:njfloors@hotmail.com

Enterprise

Phone:0495/625757

Establishment Nijlen 2.292.505.819