T.J. BV
ActiveT.J. BV has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency8▲+3
Growth78▲+20
Stability94
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 0.71 against 0.67 in 2024), and 95.6% 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
4.4%
Return on assets
20.7%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 8589 sector peers (2025).
NBB · sector comparisonPosition among 8589 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
6 d late
2022
30 d late
2021
23 d late
2020
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7k▲ 105%
2024 · €3k
2020: €4k
2021: €11k
2022: €45k
2023: €-36k
2024: €3k
2020 → 2025
Total assets
€163k▲ 6.6%
2024 · €153k
2020: €4k
2021: €32k
2022: €82k
2023: €105k
2024: €153k
2020 → 2025
Net result
€34k▼ 11.0%
2024 · €38k
2020: €-1k
2021: €7k
2022: €34k
2023: €-81k
2024: €38k
2020 → 2025
Working capital
€-45k▲ 9.6%
2024 · €-50k
2020: €2k
2021: €10k
2022: €-8k
2023: €-90k
2024: €-50k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€45k▲ 305%€-36k€3k€7k▲ 105%
Operating result€10k-€-4k€-81k▼ 1,798%€38k€35k▼ 6.3%
Net result€7k-€34k▲ 362%€-81k€38k€34k▼ 11.0%
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 falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€52k▼ 2.2%
Current assets
€110k▲ 11.3%
Equity and liabilities €163k
Equity
€7k▲ 105%
Debt
€156k▲ 4.3%
The debt ratio falls from 97.7% to 95.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€36k▼
2024 · €39k
Cash flow
€35k▼
2024 · €39k
Solvency
4.4%▲
2024 · 2.3%
Current ratio
0.71▲
2024 · 0.67
Quick ratio
0.71▲
2024 · 0.67
Debt / equity
21.95▼
2024 · 43.14
ROE
474.6%
ROA
20.7%▼
2024 · 24.8%
Interest coverage
12.96▼
2024 · 21.69
Debt
€156k▲
2024 · €149k
Debt ≤ 1 year
€156k▲
2024 · €149k
Income taxes
€2k▲
2024 · €174
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€153k€163k▲
Fixed assets21/28€53k€52k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€805€466▼
Furniture and vehicles24€729€489▼
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€47k€47k=
Current assets29/58€99k€110k▲
Amounts receivable after more than one year29€18k€0▼
Other amounts receivable291€18k€0▼
Amounts receivable within one year40/41€43k€51k▲
Trade receivables40€14k€8k▼
Other amounts receivable41€28k€43k▲
Cash at bank and in hand54/58€38k€59k▲
Deferred charges and accrued income490/1€768€0▼
Equity and liabilities
Total equity and liabilities10/49€153k€163k▲
Equity10/15€3k€7k▲
Contributions10/11€7k€7k=
Reserves13-€586
Distributable reserves133-€586
Profit (loss) carried forward14€-3k€0▲
Amounts payable17/49€149k€156k▲
Amounts payable within one year42/48€149k€156k▲
Current portion of amounts payable after more than one year42-€50k
Financial debts43€227€265▲
Other loans439€227€265▲
Trade debts44€2k€856▼
Suppliers440/4€2k€856▼
Taxes, remuneration and social security45€8k€16k▲
Taxes450/3€8k€16k▲
Other amounts payable47/48€139k€89k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€553€2k▲
Gross operating margin9900€39k€39k▼
Operating profit (loss)9901€38k€35k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€38k€35k▼
Income taxes67/77€174€2k▲
Profit (loss) for the period9904€38k€34k▼
Profit (loss) for the period to be appropriated9905€38k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€31k▲
Profit (loss) brought forward from the previous period14P€-41k€-3k▲
Transfer from equity791/2€0-
Transfer to equity691/2-€586
To other reserves6921-€586
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €-81k ▼338%
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-06
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, Brasschaat · 1 establishment unit since 2020
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.
De Heuvels 132930 BrasschaatGround area
1,363 m²
Building footprint
222 m²
Volume, LiDAR
1,160 m³
Parcel 11324D0476/00R002, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T.J. BV
since 20202.309.563.268
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0476/00R002 | Flanders | 1,363 m² | 1 · 222 m² | 8.2 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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 19,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2020
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 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.