NJORD SURVEYS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €78k and a net result of €76k. Its solvency ranks better than 66% of 2429 sector peers (fiscal year 2025). The company has been active since 2025 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 2025, 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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€78k
Net result
€76k
Total assets
€114k
Solvency
68.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €114k
Fixed assets
€930
Current assets
€113k
Equity and liabilities €114k
Equity
€78k
Debt
€37k
Debt finances 32.0% of the balance-sheet total.
Key figures and ratios
Solvency
68.0%
ROE
97.4%
ROA
66.2%
Debt
€37k
Debt ≤ 1 year
€37k
Income taxes
€20k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€114k
Fixed assets21/28€930
Tangible fixed assets22/27€930
Plant, machinery and equipment23€930
Current assets29/58€113k
Amounts receivable within one year40/41€62k
Trade receivables40€62k
Cash at bank and in hand54/58€51k
Equity and liabilities
Total equity and liabilities10/49€114k
Equity10/15€78k
Contributions10/11€2k
Reserves13€76k
Distributable reserves133€76k
Amounts payable17/49€37k
Amounts payable within one year42/48€37k
Trade debts44€185
Suppliers440/4€185
Taxes, remuneration and social security45€22k
Taxes450/3€21k
Remuneration and social security454/9€515
Other amounts payable47/48€15k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€268
Gross operating margin9900€96k
Operating profit (loss)9901€96k
Financial income75/76B€5
Recurring financial income75€5
Financial charges65/66B€12
Recurring financial charges65€12
Profit (loss) for the period before taxes9903€96k
Income taxes67/77€20k
Profit (loss) for the period9904€76k
Profit (loss) for the period to be appropriated9905€76k
Appropriation of the result
Profit (loss) to be appropriated9906€76k
Transfer to equity691/2€76k
To other reserves6921€76k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 28 juli 2026
- Director appointment, Heidi Van Thielen (bestuurder)
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
Directors · office · real estate
Directors
1 director, no change since 2026
Heidi Van Thielen
CurrentDirector · since 03-08-2026
03-08-2026
Appointed as Director
Location & real-estate footprint
Registered office, Stabroek · 1 establishment unit since 2025
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.
Heuvels 642940 StabroekGround area
930 m²
Building footprint
159 m²
Volume, LiDAR
881 m³
Parcel 11044B0328/00D004, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NJORD SURVEYS
since 20252.374.029.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11044B0328/00D004 | Flanders | 930 m² | 1 · 159 m² | 8.2 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
CL Ingenieurs
BE 0802.705.187
Leuven · Eq €77k
Expertisebureau Luyts en Co
BE 0438.026.462
Oudenaarde · Eq €77k
TECHNISERVE
BE 0694.678.861
Lievegem · Eq €79k
FIFTY ET COMPAGNIE
BE 0899.716.570
Verviers · Eq €76k
EXPERTISEBUREAU de KORT
BE 0449.940.834
Zoersel · Eq €79k
Of 853 companies in sector 66210 we hold annual accounts for 511. 433 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2025
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.