P.J.C.
ActiveP.J.C. 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 €229k and a net result of €68k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 36% of 5495 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
on the day
2022
31 d late
2021
24 d late
2020
30 d late
2019
27 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€229k▲ 41.9%
2024 · €161k
2018: €35k
2019: €35k
2020: €36k
2021: €39k
2022: €69k
2023: €97k
2024: €161k
2018 → 2025
Net result
€68k▲ 5.7%
2024 · €64k
2018: €5k
2019: €759
2020: €1k
2021: €3k
2022: €30k
2023: €28k
2024: €64k
2018 → 2025
Total assets
€628k▲ 2.8%
2024 · €611k
2018: €46k
2019: €48k
2020: €51k
2021: €660k
2022: €664k
2023: €619k
2024: €611k
2018 → 2025
Solvency
36.4%▲ 10.0pp
2024 · 26.4%
2018: 75.5%
2019: 71.8%
2020: 70.6%
2021: 6.0%
2022: 10.4%
2023: 15.7%
2024: 26.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€69k▲ 76.6%€97k▲ 40.3%€161k▲ 65.8%€229k▲ 41.9%
Operating result€6k-€44k▲ 692%€41k▼ 6.5%€94k▲ 131%€102k▲ 8.7%
Net result€3k-€30k▲ 788%€28k▼ 7.2%€64k▲ 129%€68k▲ 5.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €628k
Fixed assets
€602k▼ 0.2%
Current assets
€26k▲ 240%
Equity and liabilities €628k
Equity
€229k▲ 41.9%
Debt
€399k▼ 11.2%
The debt ratio falls from 73.6% to 63.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
36.4%▲
2024 · 26.4%
ROE
29.5%▼
2024 · 39.7%
ROA
10.8%▲
2024 · 10.5%
Debt
€399k▼
2024 · €450k
Debt ≤ 1 year
€93k▼
2024 · €162k
Debt > 1 year
€306k▲
2024 · €288k
Income taxes
€29k▲
2024 · €25k
Staff costs
€-82▼
2024 · €595
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€611k€628k▲
Fixed assets21/28€603k€602k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€600k€600k=
Current assets29/58€8k€26k▲
Amounts receivable within one year40/41-€18k
Trade receivables40-€18k
Other amounts receivable41-€48
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€611k€628k▲
Equity10/15€161k€229k▲
Contributions10/11€19k€19k=
Reserves13€126k€194k▲
Distributable reserves133€126k€194k▲
Profit (loss) carried forward14€16k€16k▲
Amounts payable17/49€450k€399k▼
Amounts payable after more than one year17€288k€306k▲
Other amounts payable178/9€288k€306k▲
Amounts payable within one year42/48€162k€93k▼
Current portion of amounts payable after more than one year42-€7k
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€14k€23k▲
Taxes450/3€12k€20k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€125k€61k▼
Income statement
Code20242025
Remuneration, social security and pensions62€595€-82▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€728€644▼
Gross operating margin9900€97k€104k▲
Operating profit (loss)9901€94k€102k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€89k€97k▲
Income taxes67/77€25k€29k▲
Profit (loss) for the period9904€64k€68k▲
Profit (loss) for the period to be appropriated9905€64k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€84k▲
Profit (loss) brought forward from the previous period14P€14k€16k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€64k€68k▲
To other reserves6921€64k€68k▲
The notes to these accounts (6 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €68k ▲5.7%
Operating result €102k, net result €68k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲41.9%
8 profitable years in a row build equity to €229k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €161k ▲65.8%
7 profitable years in a row build equity to €161k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €759 ▼83.9%
Net result drops to €759, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Merelbeke-Melle · 1 establishment unit since 2012
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.
Fraterstraat 86B9820 Merelbeke-MelleGround area
5,425 m²
Building footprint
1,948 m²
Parcel 44043A0157/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
P.J.C.
since 20122.209.480.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0157/00G002 | Flanders | 5,425 m² | 1 · 1,948 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 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.