BCJ
ActiveThe annual accounts of BCJ for fiscal year 2025 show a net loss of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €11k and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 4522 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-33
Solvency30▼-4
Growth55▼-30
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 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 short (current ratio 0.17 against 0.71 in 2024; short-term debt: 32.5% and cash: 0.5% of total assets), and 94.9% 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 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
5.1%
Return on assets
-6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4522 sector peers (2025).
NBB · sector comparisonPosition among 4522 sector peers
Solvency
better than 19%
← 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 18-08-2026, 18 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
18 d late
2024
113 d late
2023
76 d late
2022
270 d late
2021
257 d late
2020
622 d late
2019
9 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€276k▲ 25.9%
2022 · €219k
2018: €90k
2019: €171k
2020: €172k
2021: €207k
2022: €219k
2018 → 2023
EBIT margin
3.7%▲ 6.9pp
2022 · -3.1%
2018: 4.5%
2019: 4.7%
2020: 17.4%
2021: 6.1%
2022: -3.1%
2018 → 2023
Net result
€-13k
2024 · €39k
2018: €4k
2019: €3k
2020: €21k
2021: €7k
2022: €-11k
2023: €-47k
2024: €39k
2018 → 2025
Working capital
€-56k▼ 134%
2024 · €-24k
2018: €-12k
2019: €-12k
2020: €-22k
2021: €-21k
2022: €-26k
2023: €-69k
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€207k-€219k▲ 5.9%€276k▲ 25.9%
Equity€42k-€31k▼ 26.5%€-13k€23k€11k▼ 54.2%
Operating result€13k-€-7k€10k€62k▲ 501%€2k▼ 96.3%
Net result€7k-€-11k€-47k▼ 325%€39k€-13k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€197k▲ 0.2%
Current assets
€12k▼ 80.5%
Equity and liabilities €209k
Equity
€11k▼ 54.2%
Debt
€198k▼ 14.9%
The debt ratio rises from 90.9% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €78k
Cash flow
€3k▼
2024 · €55k
Solvency
5.1%▼
2024 · 9.1%
Current ratio
0.17▼
2024 · 0.71
Quick ratio
0.17▼
2024 · 0.71
Debt / equity
18.65▲
2024 · 10.03
ROE
-118.5%▼
2024 · 170.0%
ROA
-6.0%▼
2024 · 15.4%
Interest coverage
5.14▼
2024 · 5.88
Debt
€198k▼
2024 · €233k
Debt ≤ 1 year
€68k▼
2024 · €83k
Debt > 1 year
€130k▼
2024 · €141k
Income taxes
€11k▲
2024 · €9k
Staff costs
€107k▲
2024 · €89k
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€256k€209k▼
Fixed assets21/28€197k€197k▲
Tangible fixed assets22/27€196k€197k▲
Land and buildings22€186k€174k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€2k€16k▲
Financial fixed assets28€81€81=
Current assets29/58€59k€12k▼
Amounts receivable within one year40/41€46k€11k▼
Trade receivables40€40k€10k▼
Other amounts receivable41€7k€400▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€256k€209k▼
Equity10/15€23k€11k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€4k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€2k
Profit (loss) carried forward14€15k-
Amounts payable17/49€233k€198k▼
Amounts payable after more than one year17€141k€130k▼
Financial debts170/4€141k€130k▼
Amounts payable within one year42/48€83k€68k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€71-
Credit institutions430/8€71-
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€61k€48k▼
Taxes450/3€54k€31k▼
Remuneration and social security454/9€7k€16k▲
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€89k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A-€51k
Gross operating margin9900€171k€182k▲
Operating profit (loss)9901€62k€2k▼
Financial income75/76B€3€2▼
Recurring financial income75€3€2▼
Financial charges65/66B€13k€3k▼
Recurring financial charges65€13k€3k▼
Profit (loss) for the period before taxes9903€49k€-1k▼
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€39k€-13k▼
Profit (loss) for the period to be appropriated9905€39k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-13k▼
Profit (loss) brought forward from the previous period14P€-24k-
Transfer from equity791/2-€13k
Social balance
Average headcount (FTE)9087-2.2
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 113 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 270 days late
2023
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 257 days late
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 622 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Jans-Molenbeek · 1 establishment unit since 2017
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.
Dilbeekstraat 821080 Sint-Jans-MolenbeekGround area
568 m²
Building footprint
441 m²
Volume, LiDAR
5,526 m³
Parcel 21523B0886/00E003, Brussels · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BCJ
since 20172.260.489.681
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0886/00E003 | Brussels | 568 m² | 1 · 441 m² | 14.9 m · 4 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
WAY2LEISURE
BE 0660.904.253
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BE 0776.497.965
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BE 0863.684.634
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SIWEL ESTATE
BE 0844.596.222
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RS Syndic
BE 0811.020.463
Braine-le-Comte · Eq €11k
Of 3,766 companies in sector 68321 we hold annual accounts for 1,390. 554 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2016
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.