SJIC
ActiveSJIC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.10M and a net result of €249k. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 1512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+1
Solvency44▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 3.14 against 3.07 in 2024; short-term debt: 4.2% and cash: 1.4% of total assets), but 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
18.6%
Return on assets
4.2%
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
3 d early
2020
23 d late
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.10M▲ 29.3%
2024 · €849k
2018: €33k
2019: €133k
2020: €270k
2021: €398k
2022: €519k
2023: €727k
2024: €849k
2018 → 2025
Total assets
€5.91M▼ 2.6%
2024 · €6.07M
2018: €4.30M
2019: €4.19M
2020: €4.12M
2021: €4.01M
2022: €4.74M
2023: €5.94M
2024: €6.07M
2018 → 2025
Net result
€249k▲ 104%
2024 · €122k
2018: €802
2019: €100k
2020: €137k
2021: €129k
2022: €121k
2023: €208k
2024: €122k
2018 → 2025
Working capital
€530k▲ 3.2%
2024 · €513k
2018: €440k
2019: €402k
2020: €405k
2021: €395k
2022: €423k
2023: €437k
2024: €513k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€398k-€519k▲ 30.3%€727k▲ 40.0%€849k▲ 16.8%€1.10M▲ 29.3%
Operating result€218k-€208k▼ 4.5%€338k▲ 62.7%€239k▼ 29.5%€457k▲ 91.5%
Net result€129k-€121k▼ 6.4%€208k▲ 72.1%€122k▼ 41.2%€249k▲ 104%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 92% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.91M
Fixed assets
€5.13M▼ 3.3%
Current assets
€777k▲ 2.1%
Equity and liabilities €5.91M
Equity
€1.10M▲ 29.3%
Debt
€4.81M▼ 7.8%
The debt ratio falls from 86.0% to 81.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€632k▲
2024 · €404k
Cash flow
€424k▲
2024 · €288k
Solvency
18.6%▲
2024 · 14.0%
Current ratio
3.14▲
2024 · 3.07
Quick ratio
0.69▲
2024 · 0.42
Debt / equity
4.38▼
2024 · 6.15
ROE
22.7%▲
2024 · 14.4%
ROA
4.2%▲
2024 · 2.0%
Interest coverage
5.14▼
2024 · 5.39
Debt
€4.81M▼
2024 · €5.22M
Debt ≤ 1 year
€247k▼
2024 · €248k
Debt > 1 year
€4.56M▼
2024 · €4.97M
Income taxes
€85k▲
2024 · €42k
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€6.07M€5.91M▼
Fixed assets21/28€5.31M€5.13M▼
Tangible fixed assets22/27€5.31M€5.13M▼
Land and buildings22€5.31M€5.13M▼
Current assets29/58€761k€777k▲
Stocks and contracts in progress3€658k€608k▼
Stocks30/36€658k€608k▼
Amounts receivable within one year40/41€85k€89k▲
Trade receivables40€53k€57k▲
Other amounts receivable41€32k€32k=
Cash at bank and in hand54/58€19k€81k▲
Equity and liabilities
Total equity and liabilities10/49€6.07M€5.91M▼
Equity10/15€849k€1.10M▲
Contributions10/11€21k€21k=
Reserves13€827k€1.05M▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€825k€1.05M▲
Profit (loss) carried forward14€954€27k▲
Amounts payable17/49€5.22M€4.81M▼
Amounts payable after more than one year17€4.97M€4.56M▼
Financial debts170/4€4.97M€4.56M▼
Amounts payable within one year42/48€248k€247k▼
Current portion of amounts payable after more than one year42€208k€211k▲
Trade debts44€39k€1k▼
Suppliers440/4€39k€1k▼
Taxes, remuneration and social security45€908€35k▲
Taxes450/3€908€35k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€166k€175k▲
Other operating charges640/8€28k€45k▲
Gross operating margin9900€432k€677k▲
Operating profit (loss)9901€239k€457k▲
Financial charges65/66B€75k€123k▲
Recurring financial charges65€75k€123k▲
Profit (loss) for the period before taxes9903€164k€334k▲
Income taxes67/77€42k€85k▲
Profit (loss) for the period9904€122k€249k▲
Profit (loss) for the period to be appropriated9905€122k€249k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€250k▲
Profit (loss) brought forward from the previous period14P€4k€954▼
Transfer to equity691/2€125k€223k▲
To other reserves6921€125k€223k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €249k ▲104%
Operating result €457k, net result €249k, both a record.
31-12
Financial
Equity above €1MEq €1.10M ▲29.3%
8 profitable years in a row build equity to €1.10M.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €500kEq €519k ▲30.3%
5 profitable years in a row build equity to €519k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €200kEq €270k ▲103%
3 profitable years in a row build equity to €270k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €100kEq €133k ▲308%
2 profitable years in a row build equity to €133k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalst · 1 establishment unit since 2016
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.
Lippenshofweg 19320 AalstGround area
1,538 m²
Building footprint
447 m²
Volume, LiDAR
2,123 m³
Parcel 41047A0619/00F002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SJIC
since 20162.252.919.129
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41047A0619/00F002 | Flanders | 1,538 m² | 1 · 447 m² | 8.4 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 120 companies in sector 77394 we hold annual accounts for 79. 47 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2016
Fiscal year end31-12
Activities, NACEBEL
77394Rental and leasing activities
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.