RJ MANAGEMENT
ActiveRJ MANAGEMENT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €8k. Equity is shrinking by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 26% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+12
Solvency49▲+14
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.88 in 2024; short-term debt: 75.6% and cash: 34.1% of total assets), and 75.6% 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
24.4%
Return on assets
16.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
25 d late
2024
6 d late
2023
23 d late
2022
24 d late
2021
10 d late
2020
47 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 201%
2024 · €4k
2020: €40k
2021: €52k
2022: €141k
2023: €30k
2024: €4k
2020 → 2025
Total assets
€50k▲ 20.5%
2024 · €41k
2020: €93k
2021: €139k
2022: €218k
2023: €75k
2024: €41k
2020 → 2025
Net result
€8k▲ 204%
2024 · €3k
2020: €25k
2021: €13k
2022: €89k
2023: €15k
2024: €3k
2020 → 2025
Working capital
€-15k▼ 248%
2024 · €-4k
2020: €13k
2021: €43k
2022: €144k
2023: €20k
2024: €-4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€141k▲ 169%€30k▼ 78.4%€4k▼ 86.7%€12k▲ 201%
Operating result€23k-€112k▲ 398%€20k▼ 82.2%€7k▼ 65.3%€14k▲ 99.9%
Net result€13k-€89k▲ 592%€15k▼ 83.4%€3k▼ 82.0%€8k▲ 204%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 100% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€27k▲ 225%
Current assets
€22k▼ 31.7%
Equity and liabilities €50k
Equity
€12k▲ 201%
Debt
€38k▲ 1.0%
The debt ratio falls from 90.2% to 75.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €9k
Cash flow
€13k▲
2024 · €5k
Solvency
24.4%▲
2024 · 9.8%
Current ratio
0.60▼
2024 · 0.88
Quick ratio
0.60▼
2024 · 0.88
Debt / equity
3.10▼
2024 · 9.23
ROE
66.8%▲
2024 · 66.2%
ROA
16.3%▲
2024 · 6.5%
Interest coverage
18.43▲
2024 · 12.22
Debt
€38k▲
2024 · €37k
Debt ≤ 1 year
€38k▲
2024 · €37k
Income taxes
€5k▼
2024 · €5k
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€41k€50k▲
Fixed assets21/28€8k€27k▲
Tangible fixed assets22/27€8k€27k▲
Furniture and vehicles24€5k€24k▲
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€200€200=
Current assets29/58€33k€22k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€0-
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€28k€17k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€41k€50k▲
Equity10/15€4k€12k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-11k€-3k▲
Amounts payable17/49€37k€38k▲
Amounts payable within one year42/48€37k€38k▲
Trade debts44€4k€22k▲
Suppliers440/4€4k€22k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€27k€10k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€935€2k▲
Gross operating margin9900€10k€21k▲
Operating profit (loss)9901€7k€14k▲
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€765€1k▲
Recurring financial charges65€765€1k▲
Profit (loss) for the period before taxes9903€8k€13k▲
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-3k▼
Profit (loss) brought forward from the previous period14P€15k€-11k▼
Profit to be distributed694/7€29k€0▼
Return on contributions (dividend)694€29k€0▼
The notes to these accounts (11 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼82%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2020net €89k ▲592%
Operating result €112k, net result €89k, both a record.
31-12
Financial
Equity above €100kEq €141k ▲169%
3 profitable years in a row build equity to €141k.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Chaudfontaine · 1 establishment unit since 2019
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.
Route de l'Abbaye 184052 ChaudfontaineGround area
345 m²
Building footprint
82 m²
Volume, LiDAR
484 m³
Parcel 62012C0050/00N000, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RJ MANAGEMENT
since 20192.296.015.932
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012C0050/00N000 | Wallonia | 345 m² | 1 · 82 m² | 6.3 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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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 25,079 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.