RJA
ActiveRJA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €-6k. Equity is shrinking by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-24
Solvency55▼-38
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.15 against 2.18 in 2024; short-term debt: 70.3% and cash: 10.4% of total assets), and 70.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.7%
Return on assets
-10.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
27 d late
2023
27 d late
2022
28 d late
2021
24 d late
2020
23 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 26.5%
2024 · €21k
2020: €36k
2021: €55k
2022: €35k
2023: €21k
2024: €21k
2020 → 2025
Total assets
€52k▲ 68.5%
2024 · €31k
2020: €45k
2021: €78k
2022: €47k
2023: €39k
2024: €31k
2020 → 2025
Net result
€-6k▼ 2,541%
2024 · €-210
2020: €33k
2021: €19k
2022: €-20k
2023: €-14k
2024: €-210
2020 → 2025
Working capital
€5k▼ 53.6%
2024 · €12k
2020: €34k
2021: €47k
2022: €27k
2023: €11k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€35k▼ 36.0%€21k▼ 39.7%€21k▼ 1.0%€15k▼ 26.5%
Operating result€26k-€-14k€-12k▲ 11.4%€3k€-2k
Net result€19k-€-20k€-14k▲ 29.5%€-210▲ 98.5%€-6k▼ 2,541%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€10k▲ 6.9%
Current assets
€42k▲ 95.4%
Equity and liabilities €52k
Equity
€15k▼ 26.5%
Debt
€36k▲ 271%
The debt ratio rises from 31.9% to 70.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €5k
Cash flow
€-4k▼
2024 · €882
Solvency
29.7%▼
2024 · 68.1%
Current ratio
1.15▼
2024 · 2.18
Quick ratio
1.15▼
2024 · 2.18
Debt / equity
2.37▲
2024 · 0.47
ROE
-36.0%▼
2024 · -1.0%
ROA
-10.7%▼
2024 · -0.7%
Interest coverage
-0.37▼
2024 · 1.32
Debt
€36k▲
2024 · €10k
Debt ≤ 1 year
€36k▲
2024 · €10k
Income taxes
€317▲
2024 · €230
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€31k€52k▲
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€3k€4k▲
Furniture and vehicles24€3k€4k▲
Financial fixed assets28€6k€6k=
Current assets29/58€21k€42k▲
Amounts receivable within one year40/41€1k€33k▲
Trade receivables40€1k€33k▲
Cash at bank and in hand54/58€15k€5k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€31k€52k▲
Equity10/15€21k€15k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€18k€12k▼
Amounts payable17/49€10k€36k▲
Amounts payable within one year42/48€10k€36k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€6k€23k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€2k€16k▲
Other amounts payable47/48€2k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€493€475▼
Non-recurring operating charges66A-€310
Gross operating margin9900€5k€-331▼
Operating profit (loss)9901€3k€-2k▼
Financial income75/76B€22€7▼
Recurring financial income75€22€7▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€20€-5k▼
Income taxes67/77€230€317▲
Profit (loss) for the period9904€-210€-6k▼
Profit (loss) for the period to be appropriated9905€-210€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€12k▼
Profit (loss) brought forward from the previous period14P€18k€18k▼
The notes to these accounts (9 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-20k ▼206%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days 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, Olne · 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.
Clos Paul Regnier 94877 OlneGround area
763 m²
Building footprint
100 m²
Volume, LiDAR
600 m³
Parcel 63057A0116/00L002, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RJA
since 20192.298.435.388
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63057A0116/00L002 | Wallonia | 763 m² | 1 · 100 m² | 7.9 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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XOLARIX
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SaFraSa
BE 1014.036.119
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Headway
BE 0668.809.555
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EREBOR
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Oudergem · Eq €15k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 11,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.