NMBJ MANAGEMENT
ActiveNMBJ MANAGEMENT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €107k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 3186 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▲+20
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 1.75 in 2024; short-term debt: 26% and cash: 58.9% of total assets), and 36% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
64%
Return on assets
32.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
19 d early
2024
3 d early
2023
1 d early
2022
on the day
2021
1 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€107k▲ 7.3%
2024 · €100k
2021: €91k
2022: €144k
2023: €109k
2024: €100k
2021 → 2025
Working capital
€175k▲ 76.3%
2024 · €99k
2021: €92k
2022: €237k
2023: €342k
2024: €99k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€237k▲ 155%€346k▲ 46.0%€102k▼ 70.5%€210k▲ 105%
Operating result€115k-€186k▲ 61.7%€139k▼ 25.3%€131k▼ 5.3%€146k▲ 11.4%
Net result€91k-€144k▲ 58.8%€109k▼ 24.5%€100k▼ 8.0%€107k▲ 7.3%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€67k▲ 2,316%
Current assets
€260k▲ 12.4%
Equity and liabilities €327k
Equity
€210k▲ 105%
Debt
€118k▼ 10.9%
The debt ratio falls from 56.4% to 36.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€151k▲
2024 · €132k
Cash flow
€112k▲
2024 · €101k
Solvency
64.0%▲
2024 · 43.6%
Current ratio
3.05▲
2024 · 1.75
Quick ratio
3.05▲
2024 · 1.75
Debt / equity
0.56▼
2024 · 1.29
ROE
51.3%▼
2024 · 98.0%
ROA
32.8%▼
2024 · 42.7%
Interest coverage
17.33▼
2024 · 38.29
Debt
€118k▼
2024 · €132k
Debt ≤ 1 year
€85k▼
2024 · €132k
Debt > 1 year
€27k
Income taxes
€33k▲
2024 · €30k
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€234k€327k▲
Fixed assets21/28€3k€67k▲
Tangible fixed assets22/27€3k€67k▲
Land and buildings22-€30k
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€923€35k▲
Current assets29/58€232k€260k▲
Amounts receivable within one year40/41€88k€65k▼
Other amounts receivable41€88k€65k▼
Current investments50/53€70k-
Cash at bank and in hand54/58€72k€193k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€234k€327k▲
Equity10/15€102k€210k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€100k€208k▲
Amounts payable17/49€132k€118k▼
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€132k€85k▼
Current portion of amounts payable after more than one year42€34k€29k▼
Trade debts44€2k€89▼
Suppliers440/4€2k€89▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€90k€54k▼
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€134k€156k▲
Operating profit (loss)9901€131k€146k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€9k▲
Recurring financial charges65€3k€9k▲
Profit (loss) for the period before taxes9903€130k€141k▲
Income taxes67/77€30k€33k▲
Profit (loss) for the period9904€100k€107k▲
Profit (loss) for the period to be appropriated9905€100k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€444k€208k▼
Profit (loss) brought forward from the previous period14P€344k€100k▼
Profit to be distributed694/7€344k-
Return on contributions (dividend)694€344k-
The notes to these accounts (7 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Equity above €200kEq €210k ▲105%
5 profitable years in a row build equity to €210k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2021net €144k ▲58.8%
Operating result €186k, net result €144k, both a record.
30-06
Financial
Equity above €200kEq €237k ▲155%
2 profitable years in a row build equity to €237k.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day 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, Leuze-en-Hainaut · 1 establishment unit since 2020
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.
Ghyssegnies(PX) 77904 Leuze-en-HainautGround area
880 m²
Building footprint
115 m²
Parcel 57065C0038/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
NMBJ MANAGEMENT
since 20202.311.706.671
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57065C0038/00D000 | Wallonia | 880 m² | 1 · 115 m² | - |
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 5,700 companies in sector 70100 we hold annual accounts for 3,495. 2,355 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2020
Fiscal year end30-06
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.