Summary
NJR INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €495.91M and a net result of €-8.46M. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 20% of 2777 sector peers (fiscal year 2024). The company has been active since 2006 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2777 sector peers (2024).
NBB · sector comparisonPosition among 2777 sector peers
Solvency
better than 20%
← weakest
strongest →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
64 d early
2023
62 d early
2022
62 d early
2021
44 d early
2020
73 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2024, full schema, statutory accounts
Equity
€495.91M▼ 1.7%
2023 · €504.38M
2018: €503.74M
2019: €503.74M
2020: €504.18M
2021: €511.88M
2022: €512.38M
2023: €504.38M
2018 → 2024
Net result
€-8.46M▼ 5.7%
2023 · €-8.01M
2018: €9.24M
2019: €8.39M
2020: €8.71M
2021: €8.70M
2022: €10.15M
2023: €-8.01M
2018 → 2024
Total assets
€2.45B▲ 10.5%
2023 · €2.22B
2018: €1.47B
2019: €1.66B
2020: €1.73B
2021: €2.19B
2022: €2.13B
2023: €2.22B
2018 → 2024
Solvency
20.2%▼ 2.5pp
2023 · 22.7%
2018: 34.3%
2019: 30.3%
2020: 29.2%
2021: 23.4%
2022: 24.1%
2023: 22.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€22k-€19k▼ 11.4%€15k▼ 25.6%€14k=€14k=
Equity€504.18M-€511.88M▲ 1.5%€512.38M▲ 0.1%€504.38M▼ 1.6%€495.91M▼ 1.7%
Operating result€-941k-€-942k▼ 0.2%€-1.03M▼ 8.9%€-1.09M▼ 6.4%€-1.10M▼ 1.1%
Net result€8.71M-€8.70M▼ 0.1%€10.15M▲ 16.6%€-8.01M€-8.46M▼ 5.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.10M in 2024 against €1.09M in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.45B
Fixed assets
€121.29M ▼ 33.2%
Current assets
€2.33B ▲ 14.4%
Equity and liabilities €2.45B
Equity
€495.91M ▼ 1.7%
Debt
€1.95B ▲ 14.1%
Debt's share of the balance-sheet total rises from 77.3% to 79.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.7%▼
2023 · -1.6%
ROA
-0.3%▲
2023 · -0.4%
Debt ≤ 1 year
€1.95B▲
2023 · €1.71B
Income taxes
€6.91M▲
2023 · €6.01M
Staff costs
€750k▼
2023 · €767k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 65 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.22B€2.45B▲
Fixed assets21/28€181.65M€121.29M▼
Tangible fixed assets22/27€1.33M€1.29M▼
Land and buildings22€1.28M€1.23M▼
Plant, machinery and equipment23€32k€30k▼
Furniture and vehicles24€19k€23k▲
Financial fixed assets28€180.32M€120.01M▼
Affiliated companies280/1€180.32M€120.01M▼
Participating interests280€16.63M€15.70M▼
Amounts receivable281€163.69M€104.30M▼
Current assets29/58€2.04B€2.33B▲
Amounts receivable within one year40/41€7.27M-
Other amounts receivable41€7.27M-
Current investments50/53€2.01B€2.27B▲
Other investments51/53€2.01B€2.27B▲
Cash at bank and in hand54/58€10.88M€55.90M▲
Deferred charges and accrued income490/1€6.14M€5.98M▼
Equity and liabilities
Total equity and liabilities10/49€2.22B€2.45B▲
Equity10/15€504.38M€495.91M▼
Contributions10/11€389.00M€389.00M=
Capital10€389.00M€389.00M=
Issued capital100€389.00M€389.00M=
Reserves13€9.81M€9.81M=
Non-distributable reserves130/1€9.81M€9.81M=
Legal reserve130€9.81M€9.81M=
Profit (loss) carried forward14€105.57M€97.11M▼
Amounts payable17/49€1.71B€1.95B▲
Amounts payable within one year42/48€1.71B€1.95B▲
Financial debts43€56.36M€25.09M▼
Credit institutions430/8€56.36M€25.09M▼
Trade debts44€42k€40k▼
Suppliers440/4€42k€40k▼
Taxes, remuneration and social security45€1.31M€1.99M▲
Taxes450/3€1.27M€1.93M▲
Remuneration and social security454/9€40k€56k▲
Other amounts payable47/48€1.65B€1.92B▲
Accrued charges and deferred income492/3€6.15M€4.80M▼
Income statement
Code20232024
Operating income70/76A€54k€54k▼
Turnover70€14k€14k=
Other operating income74€40k€39k▼
Operating charges60/66A€1.15M€1.16M▲
Services and other goods61€285k€308k▲
Remuneration, social security and pensions62€767k€750k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€61k▲
Other operating charges640/8€38k€39k▲
Operating profit (loss)9901€-1.09M€-1.10M▼
Financial income75/76B€84.29M€99.63M▲
Recurring financial income75€84.29M€99.63M▲
Income from financial fixed assets750€5.27M€5.35M▲
Income from current assets751€78.81M€94.25M▲
Other financial income752/9€210k€23k▼
Financial charges65/66B€85.20M€100.07M▲
Recurring financial charges65€59.18M€70.73M▲
Debt charges650€59.00M€70.55M▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€32€-32k▼
Other financial charges652/9€179k€219k▲
Non-recurring financial charges66B€26.02M€29.34M▲
Profit (loss) for the period before taxes9903€-2.00M€-1.55M▲
Income taxes67/77€6.01M€6.91M▲
Taxes670/3€6.01M€6.91M▲
Profit (loss) for the period9904€-8.01M€-8.46M▼
Profit (loss) for the period to be appropriated9905€-8.01M€-8.46M▼
Appropriation of the result
Profit (loss) to be appropriated9906€105.57M€97.11M▼
Profit (loss) brought forward from the previous period14P€113.57M€105.57M▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (47 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-8.46M
Net result drops to €-8.46M, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €10.15M ▲16.6%
Net result €10.15M, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
29 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, Watermaal-Bosvoorde · 1 establishment unit since 2006
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.
Terhulpsesteenweg 1811170 Watermaal-BosvoordeGround area
7,508 m²
Building footprint
1,001 m²
Volume, LiDAR
31,433 m³
Parcel 21652E0041/00D002, Brussels · tallest building 37.2 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
NJR INVEST
since 20062.223.104.396
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0041/00D002 | Brussels | 7,508 m² | 1 · 1,001 m² | 37.2 m · 11 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
BRED BANQUE POPULAIRE
Paris, France
BPCE
Paris 13, France · indirect
controls
NJR INVESTBE 0883.386.522
Recognitions · licences · registrations
Legal Entity Identifier
5493003ZMG23BP1H2X55
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Of 807 companies in sector 64999 we hold annual accounts for 484. 22 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.