Summary
R & J 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 €733,588 and a net result of €26,241. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 5585 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 19-11-2025, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
78 d early
2023
55 d early
2022
85 d early
2021
20 d early
2020
102 d early
2018
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 60 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 November (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#9 oldest company in Aarschot, Finance and insurance sector
Equity
€733,588▼ 19.2%
2024 · €907,347
Net result
€26,241▲ 24.2%
2024 · €21,132
Total assets
€816,061▼ 20.4%
2024 · €1.0m
Solvency
89.9%▲ 1.4pp
2024 · 88.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€17,794▼ 96.4%€17,289▼ 2.8%€14,684▼ 15.1%€26,192▲ 78.4%€36,024▲ 37.5%
Net result€18,351within the sector's middle half▼ 99.2%€12,850within the sector's middle half▼ 30.0%€16,245within the sector's middle half▲ 26.4%€21,132within the sector's middle half▲ 30.1%€26,241within the sector's middle half▲ 24.2%
Equity€1.3mwithin the sector's middle half▼ 39.4%€1.0mwithin the sector's middle half▼ 22.0%€886,215within the sector's middle half▼ 13.1%€907,347within the sector's middle half▲ 2.4%€733,588within the sector's middle half▼ 19.2%
Total assets€2.3mwithin the sector's middle half▼ 31.8%€1.5mwithin the sector's middle half▼ 36.0%€1.2mwithin the sector's middle half▼ 18.5%€1.0mwithin the sector's middle half▼ 16.3%€816,061within the sector's middle half▼ 20.4%
Debt€1.0m▼ 19.1%€471,926▼ 54.1%€329,544▼ 30.2%€111,084▼ 66.3%€77,470▼ 30.3%
Working capital€858,399above the sector's middle half▼ 51.8%€577,406above the sector's middle half▼ 32.7%€405,827above the sector's middle half▼ 29.7%€426,425above the sector's middle half▲ 5.1%€257,926within the sector's middle half▼ 39.5%
Solvency55.7%within the sector's middle half▼ 7.0pp67.9%within the sector's middle half▲ 12.2pp72.4%within the sector's middle half▲ 4.4pp88.5%above the sector's middle half▲ 16.1pp89.9%above the sector's middle half▲ 1.4pp
Current ratio1.98within the sector's middle half▼ 0.782.65within the sector's middle half▲ 0.672.70within the sector's middle half▲ 0.059.28above the sector's middle half▲ 6.586.14above the sector's middle half▼ 3.14
Return on assets (ROA)0.8%within the sector's middle half▼ 65.8pp0.9%within the sector's middle half▲ 0.1pp1.3%within the sector's middle half▲ 0.5pp2.1%within the sector's middle half▲ 0.7pp3.2%within the sector's middle half▲ 1.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2021 Net result -99% on 2020. The previous fiscal year ran 18 months, this one 12.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €816,061
Fixed assets
€507,920 ▼ 7.2%
Current assets
€308,140 ▼ 35.5%
Equity and liabilities €816,061
Equity
€733,588 ▼ 19.2%
Provisions
€5,003 ▼ 28.6%
Debt
€77,470 ▼ 30.3%
Debt's share of the balance-sheet total falls from 10.8% to 9.5%. Equity and debt are lower.
Key figures and ratios
ROE
3.6%▲
2024 · 2.3%
Debt ≤ 1 year
€50,214▼
2024 · €51,499
Debt > 1 year
€27,255▼
2024 · €59,585
Income taxes
€10,747▲
2024 · €8,828
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,285 | €37,285 | €42,002 | €47,612 | €39,589 | ▼ 16.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €2,493 | - |
| Other operating charges640/8 | - | €9,833 | €11,111 | €12,045 | €12,368 | ▲ 2.7% |
| Gross operating margin9900 | €63,941 | €64,406 | €67,798 | €85,850 | €90,475 | ▲ 5.4% |
| Operating profit (loss)9901 | €17,794 | €17,289 | €14,684 | €26,192 | €36,024 | ▲ 37.5% |
| Financial income75/76B | - | €7,120 | €4,880 | €3,205 | €15 | ▼ 99.5% |
| Recurring financial income75 | €13,120 | €7,120 | €4,880 | €3,205 | €15 | ▼ 99.5% |
| Financial charges65/66B | - | €2,572 | €1,847 | €1,437 | €1,051 | ▼ 26.9% |
| Recurring financial charges65 | €4,533 | €2,572 | €1,847 | €1,437 | €1,051 | ▼ 26.9% |
| Profit (loss) for the period before taxes9903 | €26,381 | €21,837 | €17,718 | €27,960 | €34,989 | ▲ 25.1% |
| Transfer from deferred taxes780 | - | - | €997 | €2,000 | €2,000 | = |
| Income taxes67/77 | €8,030 | €8,987 | €2,470 | €8,828 | €10,747 | ▲ 21.7% |
| Profit (loss) for the period9904 | €18,351 | €12,850 | €16,245 | €21,132 | €26,241 | ▲ 24.2% |
| Transfer from tax-exempt reserves789 | - | €25,000 | €2,992 | €6,000 | €6,000 | = |
| Profit (loss) for the period to be appropriated9905 | €30,851 | €37,850 | €19,236 | €27,132 | €32,241 | ▲ 18.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €1.5m | €1.2m | €1.0m | €816,061 | ▼ 20.4% |
| Fixed assets21/28 | €612,883 | €575,598 | €580,901 | €547,510 | €507,920 | ▼ 7.2% |
| Tangible fixed assets22/27 | €612,883 | €575,598 | €580,901 | €547,510 | €507,920 | ▼ 7.2% |
| Land and buildings22 | - | €575,598 | €538,313 | €501,028 | €472,322 | ▼ 5.7% |
| Plant, machinery and equipment23 | - | - | €42,587 | €46,481 | €35,598 | ▼ 23.4% |
| Current assets29/58 | €1.7m | €926,298 | €643,862 | €477,924 | €308,140 | ▼ 35.5% |
| Amounts receivable within one year40/41 | €1.6m | €899,857 | €618,404 | €406,149 | €5,587 | ▼ 98.6% |
| Trade receivables40 | - | €5,409 | €2,671 | €1,167 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €894,448 | €615,733 | €404,982 | €5,587 | ▼ 98.6% |
| Cash at bank and in hand54/58 | €74,248 | €19,321 | €20,577 | €68,575 | €299,354 | ▲ 337% |
| Deferred charges and accrued income490/1 | - | €7,120 | €4,880 | €3,200 | €3,200 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €1.5m | €1.2m | €1.0m | €816,061 | ▼ 20.4% |
| Equity10/15 | €1.3m | €1.0m | €886,215 | €907,347 | €733,588 | ▼ 19.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €61,200 | €36,200 | €33,208 | €27,208 | €21,208 | ▼ 22.1% |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | €30,000 | €27,008 | €21,008 | €15,008 | ▼ 28.6% |
| Profit (loss) carried forward14 | €1.2m | €921,771 | €791,007 | €818,139 | €650,380 | ▼ 20.5% |
| Provisions and deferred taxes16 | €10,000 | €10,000 | €9,003 | €7,003 | €5,003 | ▼ 28.6% |
| Deferred taxes168 | - | €10,000 | €9,003 | €7,003 | €5,003 | ▼ 28.6% |
| Amounts payable17/49 | €1.0m | €471,926 | €329,544 | €111,084 | €77,470 | ▼ 30.3% |
| Amounts payable after more than one year17 | €154,161 | €123,033 | €91,509 | €59,585 | €27,255 | ▼ 54.3% |
| Financial debts170/4 | - | €123,033 | €91,509 | €59,585 | €27,255 | ▼ 54.3% |
| Amounts payable within one year42/48 | €873,621 | €348,893 | €238,035 | €51,499 | €50,214 | ▼ 2.5% |
| Current portion of amounts payable after more than one year42 | - | €31,128 | €31,524 | €31,924 | €32,330 | ▲ 1.3% |
| Trade debts44 | €434 | €174 | €41,511 | €1,729 | €1,499 | ▼ 13.3% |
| Suppliers440/4 | - | €174 | €41,511 | €1,729 | €1,499 | ▼ 13.3% |
| Advances received on contracts in progress46 | - | - | - | - | €1,365 | - |
| Taxes, remuneration and social security45 | - | €2,591 | - | €2,846 | €20 | ▼ 99.3% |
| Taxes450/3 | - | €2,591 | - | €2,846 | €20 | ▼ 99.3% |
| Other amounts payable47/48 | - | €315,000 | €165,000 | €15,000 | €15,000 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,351 | €12,850 | €16,245 | €21,132 | €26,241 | ▲ 24.2% |
| + Depreciation and write-downs630 | €37,285 | €37,285 | €42,002 | €47,612 | €39,589 | ▼ 16.9% |
| Operating cash flow (approximation) | €55,636 | €50,135 | €58,247 | €68,744 | €65,831 | ▼ 4.2% |
| Investment in fixed assets (approximation) | - | €0 | -€47,305 | -€14,221 | €0 | ▲ 100% |
| Change in cash | - | -€54,927 | €1,256 | €47,998 | €230,778 | ▲ 381% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 9.28
Current ratio from 2.70 to 9.28; short-term debt falls from €238,035 to €51,499.
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €12,850 ▼30%
Net result drops to €12,850, the lowest in the series; recovery starts the following year.
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2018net €2.3m ▲498%
Operating result €491,316, net result €2.3m, both a record.
30-06
Financial
Liquidity times 12current ratio 2.76
Current ratio from 0.23 to 2.76.
30-06
Financial
Equity above €2mEq €2.2m ▲123%
2 profitable years in a row build equity to €2.2m.
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Aarschot · 1 establishment unit since 2000
Ground area
1,323 m²
Building footprint
403 m²
Volume, LiDAR
2,095 m³
Parcel 24662F0086/00P000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
R & J
since 20002.097.574.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662F0086/00P000 | Flanders | 1,323 m² | 1 · 403 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,728 companies in sector 64210 we hold annual accounts for 19,800. 13,270 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-06-2000
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472154032
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.