SOLUTIONS BY NJ

Active

Private limited companyfounded 20215 yrs activeFrankenstraat 48, 1040 Etterbeek, BelgiumKBO/BCE: BE 0762.677.544

The computed 12-month bankruptcy probability of SOLUTIONS BY NJ is 1.7% (moderate). The annual accounts of SOLUTIONS BY NJ for fiscal year 2025 show a net loss of 81% of total assets. The 2025 annual accounts show equity of €78k and a net result of €-67k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 7709 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-39

Solvency100=

Growth52=

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 28.74 against 5.51 in 2024; short-term debt: 3.5% and cash: 74.3% of total assets), and 6.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 82

Relative position

BE, all sectors

reference

Sector 82

lower

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

93.9%

Return on assets

-81.4%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filings

Deviation from the deadline

2025

28 d late

2024

19 d late

2023

23 d late

2022

32 d early

2021

41 d early

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€78k▼ 46.4%

2024 · €145k

2021: €45k 2022: €91k 2023: €145k 2024: €145k

2021 → 2025

Total assets

€83k▼ 53.3%

2024 · €178k

2021: €71k 2022: €119k 2023: €173k 2024: €178k

2021 → 2025

Net result

€-67k

2024 · €812

2021: €42k 2022: €45k 2023: €54k 2024: €812

2021 → 2025

Working capital

€80k▼ 44.9%

2024 · €145k

2021: €45k 2022: €91k 2023: €145k 2024: €145k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€45k-€91k▲ 99.8%€145k▲ 59.7%€145k▲ 0.6%€78k▼ 46.4%

Operating result€59k-€63k▲ 6.1%€70k▲ 12.2%€4k▼ 94.0%€-66k

Net result€42k-€45k▲ 8.1%€54k▲ 19.5%€812▼ 98.5%€-67k

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 €66k after €4k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €83k

93.9%

Equity €78k▼ 46.4%

Debt €5k▼ 84.4%

The debt ratio falls from 18.2% to 6.1%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

Solvency

93.9%▲

2024 · 81.8%

Current ratio

28.74▲

2024 · 5.51

Quick ratio

28.74▲

2024 · 5.51

Debt / equity

0.06▼

2024 · 0.22

ROE

-86.7%▼

2024 · 0.6%

ROA

-81.4%▼

2024 · 0.5%

Debt

€5k▼

2024 · €32k

Debt ≤ 1 year

€3k▼

2024 · €32k

Income taxes

€190▼

2024 · €2k

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€178k€83k▼

Current assets29/58€178k€83k▼

Amounts receivable within one year40/41€38k€21k▼

Trade receivables40€17k-

Other amounts receivable41€21k€21k▲

Cash at bank and in hand54/58€140k€62k▼

Equity and liabilities

Total equity and liabilities10/49€178k€83k▼

Equity10/15€145k€78k▼

Contributions10/11€4k€4k=

Reserves13€87k€87k=

Distributable reserves133€87k€87k=

Profit (loss) carried forward14€55k€-12k▼

Amounts payable17/49€32k€5k▼

Amounts payable within one year42/48€32k€3k▼

Trade debts44€12k€889▼

Suppliers440/4€12k€889▼

Taxes, remuneration and social security45€21k€2k▼

Taxes450/3€21k€2k▼

Other amounts payable47/48-€5

Accrued charges and deferred income492/3-€2k

Income statement Code20242025

Other operating charges640/8€450€656▲

Gross operating margin9900€5k€-65k▼

Operating profit (loss)9901€4k€-66k▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€3k€-67k▼

Income taxes67/77€2k€190▼

Profit (loss) for the period9904€812€-67k▼

Profit (loss) for the period to be appropriated9905€812€-67k▼

Appropriation of the result

Profit (loss) to be appropriated9906€55k€-12k▼

Profit (loss) brought forward from the previous period14P€54k€55k▲

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

2025

31-12

Financial Weakest financial yearnet €-67k ▼8407%

Net result drops to €-67k, the lowest in the series.

31-12

Financial Liquidity times 5current ratio 28.74

Current ratio from 5.51 to 28.74; short-term debt falls from €32k to €3k.

19-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 19 days late

2024

23-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 23 days late

2023

31-12

Financial Highest result since 2021net €54k ▲19.5%

Operating result €70k, net result €54k, both a record.

31-12

Financial Equity above €100kEq €145k ▲59.7%

3 profitable years in a row build equity to €145k.

29-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

20-06

NBB filing Annual accounts filed

fiscal year 2021 · 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, Etterbeek · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Frankenstraat 481040 Etterbeek

Ground area

290 m²

Building footprint

498 m²

Volume, LiDAR

7,945 m³

Parcel 21005A0542/00V010, Brussels · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

SOLUTIONS BY NJ

Frankenstraat 48, 1040 EtterbeekHoldings

since 20212.312.704.979

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21005A0542/00V010	Brussels	290 m²	1 · 498 m²	22.5 m · 6 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.

Similar companies · same sector, comparable size

Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 7,142 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-01-2021

Fiscal year end31-12

Activities, NACEBEL

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 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.