T&J Projecten
ActiveSummary
T&J Projecten 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 €-153. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-22
Solvency44=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
18.8%
Return on assets
-0.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
38 d early
2024
57 d early
2023
24 d late
2022
45 d late
2021
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 2.2%
2024 · €7k
2021: €-4k
2022: €-8k
2023: €2k
2024: €7k
2021 → 2025
Total assets
€36k▲ 0.3%
2024 · €36k
2021: €8k
2022: €9k
2023: €5k
2024: €36k
2021 → 2025
Net result
€-153
2024 · €5k
2021: €-9k
2022: €-3k
2023: €9k
2024: €5k
2021 → 2025
Working capital
€3k▼ 26.2%
2024 · €4k
2021: €-10k
2022: €-10k
2023: €3k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-8k▼ 79.1%€2k€7k▲ 273%€7k▼ 2.2%
Operating result€-9k-€-3k▲ 63.8%€10k€7k▼ 31.7%€2k▼ 75.2%
Net result€-9k-€-3k▲ 63.6%€9k€5k▼ 46.9%€-153
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€18k ▼ 14.2%
Current assets
€18k ▲ 20.0%
Equity and liabilities €36k
Equity
€7k ▼ 2.2%
Debt
€29k ▲ 0.9%
Debt's share of the balance-sheet total rises from 80.7% to 81.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €8k
Cash flow
€5k▼
2024 · €7k
Current ratio
1.19▼
2024 · 1.35
Debt to equity
4.33▲
2024 · 4.19
ROE
-2.3%▼
2024 · 73.2%
ROA
-0.4%▼
2024 · 14.1%
Interest coverage
5.47▼
2024 · 23.44
Debt ≤ 1 year
€15k▲
2024 · €11k
Debt > 1 year
€12k▼
2024 · €16k
Income taxes
€665▼
2024 · €2k
Staff costs
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€36k€36k▲
Fixed assets21/28€21k€18k▼
Tangible fixed assets22/27€21k€18k▼
Plant, machinery and equipment23€899€2k▲
Furniture and vehicles24€20k€16k▼
Current assets29/58€15k€18k▲
Stocks and contracts in progress3€2k-
Contracts in progress37€2k-
Amounts receivable within one year40/41€4k€12k▲
Trade receivables40-€12k
Other amounts receivable41€4k€935▼
Cash at bank and in hand54/58€8k€5k▼
Deferred charges and accrued income490/1€853€698▼
Equity and liabilities
Total equity and liabilities10/49€36k€36k▲
Equity10/15€7k€7k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€2k€2k▼
Amounts payable17/49€29k€29k▲
Amounts payable after more than one year17€16k€12k▼
Financial debts170/4€16k€12k▼
Amounts payable within one year42/48€11k€15k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€943€4k▲
Suppliers440/4€943€4k▲
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€553▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€6k€3k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€844€978▲
Gross operating margin9900€9k€11k▲
Operating profit (loss)9901€7k€2k▼
Financial income75/76B€0€10▲
Recurring financial income75€0€10▲
Financial charges65/66B€362€1k▲
Recurring financial charges65€362€1k▲
Profit (loss) for the period before taxes9903€7k€512▼
Income taxes67/77€2k€665▼
Profit (loss) for the period9904€5k€-153▼
Profit (loss) for the period to be appropriated9905€5k€-153▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€2k▼
Profit (loss) brought forward from the previous period14P€-3k€2k▲
The notes to these accounts (6 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
30-09
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
30-09
Financial
Liquidity times 6current ratio 2.19
Current ratio from 0.37 to 2.19; short-term debt falls from €16k to €2k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Vosselaar · 1 establishment unit since 2020
Ground area
1,014 m²
Building footprint
318 m²
Volume, LiDAR
1,529 m³
Parcel 13046A0018/00L000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
T&J Projecten
since 20202.306.637.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046A0018/00L000 | Flanders | 1,014 m² | 1 · 318 m² | 7.3 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.
Similar companies · same sector, comparable size
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BE 0635.950.806
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MARIMMO VASTGOED
BE 0745.917.330
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Bigdrama
BE 0480.166.925
Waterloo · Eq €6,730
TERRARIUM
BE 0841.621.686
Bilzen-Hoeselt · Eq €6,712
Elga Real Estate
BE 0783.807.510
Genk · Eq €6,735
Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 2,588 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
68121Development of residential building projects
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0468/344027