PRC 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 €476k and a net result of €-63k. Equity is growing by ~70.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 5507 sector peers (fiscal year 2025). The company has been active since 2005 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.
○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 24-04-2026, 98 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
98 d early
2024
7 d early
2023
5 d early
2022
32 d early
2021
38 d early
2020
31 d early
2019
7 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€476k▼ 11.7%
2024 · €539k
2018: €89k
2019: €16k
2020: €17k
2021: €42k
2022: €57k
2023: €113k
2024: €539k
2018 → 2025
Net result
€-63k▲ 19.8%
2024 · €-79k
2018: €-99k
2019: €-73k
2020: €1k
2021: €25k
2022: €15k
2023: €56k
2024: €-79k
2018 → 2025
Total assets
€1.15M▼ 10.3%
2024 · €1.28M
2018: €1.22M
2019: €1.09M
2020: €1.02M
2021: €1.05M
2022: €935k
2023: €968k
2024: €1.28M
2018 → 2025
Solvency
41.3%▼ 0.7pp
2024 · 42.0%
2018: 7.3%
2019: 1.4%
2020: 1.6%
2021: 4.0%
2022: 6.1%
2023: 11.7%
2024: 42.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€57k▲ 35.2%€113k▲ 97.5%€539k▲ 378%€476k▼ 11.7%
Operating result€49k-€29k▼ 40.5%€93k▲ 219%€-48k€-36k▲ 23.8%
Net result€25k-€15k▼ 41.5%€56k▲ 275%€-79k€-63k▲ 19.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36k in 2025 against €48k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€949k▼ 6.7%
Current assets
€204k▼ 24.1%
Equity and liabilities €1.15M
Equity
€476k▼ 11.7%
Debt
€676k▼ 9.3%
The debt ratio rises from 58.0% to 58.7%. Equity and debt are lower.
Key figures and ratios
Solvency
41.3%▼
2024 · 42.0%
ROE
-13.3%▲
2024 · -14.6%
ROA
-5.5%▲
2024 · -6.1%
Debt
€676k▼
2024 · €745k
Debt ≤ 1 year
€461k▲
2024 · €456k
Debt > 1 year
€216k▼
2024 · €290k
Staff costs
€25k▼
2024 · €26k
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€1.28M€1.15M▼
Fixed assets21/28€1.02M€949k▼
Tangible fixed assets22/27€1.02M€949k▼
Land and buildings22€1.00M€937k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€529€0▼
Current assets29/58€268k€204k▼
Stocks and contracts in progress3€122k€111k▼
Stocks30/36€97k€100k▲
Contracts in progress37€25k€11k▼
Amounts receivable within one year40/41€86k€39k▼
Trade receivables40€83k€34k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€41k€28k▼
Deferred charges and accrued income490/1€19k€26k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.15M▼
Equity10/15€539k€476k▼
Contributions10/11€250k€250k=
Revaluation surpluses12€601k€576k▼
Reserves13€23k€49k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€22k€47k▲
Profit (loss) carried forward14€-336k€-399k▼
Amounts payable17/49€745k€676k▼
Amounts payable after more than one year17€290k€216k▼
Financial debts170/4€151k€101k▼
Other amounts payable178/9€139k€115k▼
Amounts payable within one year42/48€456k€461k▲
Current portion of amounts payable after more than one year42€50k€50k▲
Financial debts43€300k€300k=
Credit institutions430/8€300k€300k=
Trade debts44€74k€101k▲
Suppliers440/4€74k€101k▲
Taxes, remuneration and social security45€30k€9k▼
Taxes450/3€28k€8k▼
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€6k€0▼
Remuneration, social security and pensions62€26k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€71k▲
Other operating charges640/8€11k€17k▲
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€45k€76k▲
Operating profit (loss)9901€-48k€-36k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€31k€27k▼
Recurring financial charges65€31k€27k▼
Profit (loss) for the period before taxes9903€-79k€-63k▲
Profit (loss) for the period9904€-79k€-63k▲
Profit (loss) for the period to be appropriated9905€-79k€-63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-336k€-399k▼
Profit (loss) brought forward from the previous period14P€-257k€-336k▼
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (17 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €539k ▲378%
Equity rises from €113k to €539k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €56k ▲275%
Operating result €93k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲97.5%
4 profitable years in a row build equity to €113k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 56 days late
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
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
10 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, Lommel · 1 establishment unit since 2005
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.
Fabrieksstraat 1063920 LommelGround area
2,542 m²
Building footprint
724 m²
Volume, LiDAR
4,922 m³
Parcel 72345B1085/00S007, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Claes Exclusive Cars
since 20052.150.409.133
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1085/00S007 | Flanders | 2,542 m² | 1 · 723 m² | 9.0 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.
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JTJ REAL ESTATE
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,637 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2005
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
64200Holdings
64210Activities of holding companies
74151
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.