FJ INFO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €108k and a net result of €30k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 36% of 7994 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
37 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
9 d late
2019
21 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▼ 12.6%
2024 · €124k
2018: €53k
2019: €61k
2020: €79k
2021: €91k
2022: €107k
2023: €116k
2024: €124k
2018 → 2025
Net result
€30k▲ 99.2%
2024 · €15k
2018: €7k
2019: €8k
2020: €18k
2021: €12k
2022: €16k
2023: €16k
2024: €15k
2018 → 2025
Total assets
€318k▲ 17.8%
2024 · €270k
2018: €118k
2019: €163k
2020: €170k
2021: €190k
2022: €218k
2023: €262k
2024: €270k
2018 → 2025
Solvency
34.1%▼ 11.8pp
2024 · 45.9%
2018: 45.2%
2019: 37.3%
2020: 46.6%
2021: 47.9%
2022: 49.0%
2023: 44.4%
2024: 45.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€107k▲ 17.2%€116k▲ 8.8%€124k▲ 6.5%€108k▼ 12.6%
Operating result€16k-€23k▲ 41.0%€30k▲ 28.6%€20k▼ 32.5%€37k▲ 83.3%
Net result€12k-€16k▲ 30.3%€16k▲ 4.6%€15k▼ 7.7%€30k▲ 99.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€35k▲ 305%
Current assets
€282k▲ 8.2%
Equity and liabilities €318k
Equity
€108k▼ 12.6%
Debt
€209k▲ 43.6%
The debt ratio rises from 54.1% to 65.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
34.1%▼
2024 · 45.9%
ROE
27.8%▲
2024 · 12.2%
ROA
9.5%▲
2024 · 5.6%
Debt
€209k▲
2024 · €146k
Debt ≤ 1 year
€190k▲
2024 · €146k
Debt > 1 year
€20k▲
2024 · €0
Income taxes
€4k▲
2024 · €3k
Staff costs
€229k▲
2024 · €190k
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€270k€318k▲
Fixed assets21/28€9k€35k▲
Tangible fixed assets22/27€9k€35k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€9k€4k▼
Leasing and similar rights25-€31k
Financial fixed assets28€180€180=
Current assets29/58€261k€282k▲
Stocks and contracts in progress3€41k€40k▼
Stocks30/36€41k€40k▼
Amounts receivable within one year40/41€124k€149k▲
Trade receivables40€85k€115k▲
Other amounts receivable41€39k€34k▼
Cash at bank and in hand54/58€96k€93k▼
Equity and liabilities
Total equity and liabilities10/49€270k€318k▲
Equity10/15€124k€108k▼
Contributions10/11€20k€20k=
Reserves13€79k€64k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€77k€64k▼
Profit (loss) carried forward14€25k€25k=
Amounts payable17/49€146k€209k▲
Amounts payable after more than one year17€0€20k▲
Financial debts170/4€0€20k▲
Amounts payable within one year42/48€146k€190k▲
Current portion of amounts payable after more than one year42€4k€7k▲
Trade debts44€69k€75k▲
Suppliers440/4€69k€75k▲
Taxes, remuneration and social security45€65k€65k▼
Taxes450/3€28k€25k▼
Remuneration and social security454/9€37k€39k▲
Other amounts payable47/48€7k€43k▲
Income statement
Code20242025
Non-recurring operating income76A€56€0▼
Remuneration, social security and pensions62€190k€229k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€592€590▼
Non-recurring operating charges66A-€640
Gross operating margin9900€216k€271k▲
Operating profit (loss)9901€20k€37k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€18k€35k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€15k€30k▲
Profit (loss) for the period to be appropriated9905€15k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€55k▲
Profit (loss) brought forward from the previous period14P€25k€25k=
Transfer from equity791/2€8k€46k▲
Transfer to equity691/2€15k€30k▲
To other reserves6921€15k€30k▲
Profit to be distributed694/7€8k€46k▲
Return on contributions (dividend)694€8k€46k▲
The notes to these accounts (15 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Highest result since 2018net €30k ▲99.2%
Operating result €37k, net result €30k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲17.2%
5 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Plombières · 1 establishment unit since 2007
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.
Bambusch(MTZ) 744850 PlombièresGround area
992 m²
Building footprint
149 m²
Volume, LiDAR
1,354 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Selps Invest & Services
since 20072.164.948.839
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63054B0158/00S000 | Wallonia | 799 m² | 1 · 86 m² | 11.0 m · 3 fl. |
| 63032A0253/00D000 | Wallonia | 193 m² | 1 · 63 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 12,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:087883587