C.D.J.
ActiveC.D.J. has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €22k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 12835 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency80▲+3
Growth58=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.26 in 2024), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
52.6%
Return on assets
9.6%
Age of the figures
8 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 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
56 d early
2021
81 d early
2020
64 d early
2019
64 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 22.2%
2024 · €98k
2018: €215k
2019: €217k
2020: €41k
2021: €49k
2022: €63k
2023: €56k
2024: €98k
2018 → 2025
Total assets
€228k▲ 12.0%
2024 · €203k
2018: €407k
2019: €500k
2020: €301k
2021: €244k
2022: €161k
2023: €252k
2024: €203k
2018 → 2025
Net result
€22k▼ 48.7%
2024 · €42k
2018: €3k
2019: €1k
2020: €-4k
2021: €8k
2022: €14k
2023: €-7k
2024: €42k
2018 → 2025
Working capital
€21k▲ 58.3%
2024 · €13k
2018: €29k
2019: €19k
2020: €57k
2021: €-5k
2022: €53k
2023: €-29k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€63k▲ 29.2%€56k▼ 11.5%€98k▲ 76.1%€120k▲ 22.2%
Operating result€18k-€27k▲ 52.3%€3k▼ 89.6%€56k▲ 1,903%€40k▼ 28.0%
Net result€8k-€14k▲ 75.8%€-7k€42k€22k▼ 48.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€133k▼ 3.9%
Current assets
€95k▲ 46.1%
Equity and liabilities €228k
Equity
€120k▲ 22.2%
Debt
€108k▲ 2.6%
The debt ratio falls from 51.7% to 47.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€63k▼
2024 · €78k
Cash flow
€44k▼
2024 · €65k
Solvency
52.6%▲
2024 · 48.3%
Current ratio
1.29▲
2024 · 1.26
Quick ratio
0.76▲
2024 · 0.39
Debt / equity
0.90▼
2024 · 1.07
ROE
18.1%▼
2024 · 43.2%
ROA
9.6%▼
2024 · 20.9%
Interest coverage
9.79▼
2024 · 9.86
Debt
€108k▲
2024 · €105k
Debt ≤ 1 year
€74k▲
2024 · €52k
Debt > 1 year
€34k▼
2024 · €53k
Income taxes
€12k▲
2024 · €6k
Staff costs
€9k▼
2024 · €16k
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€203k€228k▲
Fixed assets21/28€138k€133k▼
Tangible fixed assets22/27€138k€132k▼
Land and buildings22€130k€123k▼
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€333€333=
Current assets29/58€65k€95k▲
Stocks and contracts in progress3€45k€39k▼
Stocks30/36€45k€39k▼
Amounts receivable within one year40/41€14k€20k▲
Trade receivables40€13k€8k▼
Other amounts receivable41€684€12k▲
Cash at bank and in hand54/58€6k€36k▲
Equity and liabilities
Total equity and liabilities10/49€203k€228k▲
Equity10/15€98k€120k▲
Contributions10/11€31k€31k=
Reserves13€67k€89k▲
Distributable reserves133€67k€89k▲
Amounts payable17/49€105k€108k▲
Amounts payable after more than one year17€53k€34k▼
Financial debts170/4€53k€34k▼
Amounts payable within one year42/48€52k€74k▲
Current portion of amounts payable after more than one year42€21k€10k▼
Trade debts44€19k€13k▼
Suppliers440/4€19k€13k▼
Advances received on contracts in progress46€244-
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€7k€21k▲
Remuneration and social security454/9€5k-
Other amounts payable47/48€168€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€97k€74k▼
Operating profit (loss)9901€56k€40k▼
Financial income75/76B€62€17▼
Recurring financial income75€62€17▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€48k€34k▼
Income taxes67/77€6k€12k▲
Profit (loss) for the period9904€42k€22k▼
Profit (loss) for the period to be appropriated9905€42k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€22k▼
Transfer to equity691/2€42k€22k▼
To other reserves6921€42k€22k▼
The notes to these accounts (10 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 · micro schema · 28 days late
2025
31-12
Financial
Equity above €100kEq €120k ▲22.2%
2 profitable years in a row build equity to €120k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼151%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.22
Current ratio from 0.96 to 2.22; short-term debt falls from €110k to €44k.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Kortrijk · 1 establishment unit since 1999
Ground area
107 m²
Building footprint
107 m²
Volume, LiDAR
969 m³
Parcel 34022G0262/00F000, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BISTRO DESANTO
since 19992.091.285.158
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022G0262/00F000 | Flanders | 107 m² | 1 · 107 m² | 13.5 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.
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Of 20,233 companies in sector 56111 we hold annual accounts for 11,303. 9,260 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-1999
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.