FJUTJER
ActiveSummary
FJUTJER has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €260k and a net result of €326k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency55▲+11
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.21 in 2024; short-term debt: 70.4% and cash: 1.8% of total assets), and 70.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 · 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
29.6%
Return on assets
37%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-03-2026, 140 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
140 d early
2024
167 d early
2023
26 d late
2022
29 d late
2021
29 d late
2020
31 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€260k=
2024 · €260k
2020: €345k
2021: €598k
2022: €868k
2023: €260k
2024: €260k
2020 → 2025
Total assets
€880k▼ 36.7%
2024 · €1.39M
2020: €513k
2021: €864k
2022: €1.10M
2023: €1.27M
2024: €1.39M
2020 → 2025
Net result
€326k▲ 10.3%
2024 · €295k
2020: €337k
2021: €252k
2022: €270k
2023: €276k
2024: €295k
2020 → 2025
Working capital
€241k▲ 3.0%
2024 · €234k
2020: €302k
2021: €565k
2022: €848k
2023: €218k
2024: €234k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€598k-€868k▲ 45.1%€260k▼ 70.0%€260k=€260k=
Operating result€367k-€357k▼ 2.6%€366k▲ 2.4%€392k▲ 7.1%€430k▲ 9.6%
Net result€252k-€270k▲ 6.9%€276k▲ 2.2%€295k▲ 7.1%€326k▲ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €880k
Fixed assets
€20k ▼ 26.2%
Current assets
€860k ▼ 36.9%
Equity and liabilities €880k
Equity
€260k =
Debt
€620k ▼ 45.1%
Debt's share of the balance-sheet total falls from 81.3% to 70.4%. Debt is lower.
Key figures and ratios
EBITDA
€444k▲
2024 · €412k
Cash flow
€340k▲
2024 · €315k
Current ratio
1.39▲
2024 · 1.21
Quick ratio
0.77▼
2024 · 0.87
Debt to equity
2.38▼
2024 · 4.34
ROE
125.1%▲
2024 · 113.4%
ROA
37.0%▲
2024 · 21.3%
Interest coverage
2980.53▼
2024 · 138662.86
Debt ≤ 1 year
€620k▼
2024 · €1.13M
Income taxes
€104k▲
2024 · €97k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.39M€880k▼
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€26k€20k▼
Land and buildings22€23k€12k▼
Plant, machinery and equipment23€3k€441▼
Furniture and vehicles24€166€8k▲
Financial fixed assets28€800€0▼
Current assets29/58€1.36M€860k▼
Stocks and contracts in progress3€385k€385k=
Stocks30/36€385k€385k=
Amounts receivable within one year40/41-€53k
Trade receivables40-€52k
Other amounts receivable41-€968
Current investments50/53-€400k
Cash at bank and in hand54/58€975k€16k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€880k▼
Equity10/15€260k€260k=
Contributions10/11€8k€8k=
Reserves13€252k€252k=
Distributable reserves133€252k€252k=
Profit (loss) carried forward14-€0
Amounts payable17/49€1.13M€620k▼
Amounts payable within one year42/48€1.13M€620k▼
Financial debts43-€204
Credit institutions430/8-€204
Trade debts44€771€951▲
Suppliers440/4€771€951▲
Advances received on contracts in progress46€37k€0▼
Taxes, remuneration and social security45€78k€28k▼
Taxes450/3€78k€28k▼
Other amounts payable47/48€1.01M€591k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€14k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€415k€447k▲
Operating profit (loss)9901€392k€430k▲
Financial income75/76B€1€93▲
Recurring financial income75€1€93▲
Financial charges65/66B€3€149▲
Recurring financial charges65€3€149▲
Profit (loss) for the period before taxes9903€392k€430k▲
Income taxes67/77€97k€104k▲
Profit (loss) for the period9904€295k€326k▲
Profit (loss) for the period to be appropriated9905€295k€326k▲
Appropriation of the result
Profit (loss) to be appropriated9906€295k€326k▲
Profit to be distributed694/7€295k€326k▲
Return on contributions (dividend)694€295k€326k▲
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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €252k ▼25.2%
Net result drops to €252k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €598k ▲73.1%
2 profitable years in a row build equity to €598k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2019
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.
Tuinwijklaan 329000 GentGround area
283 m²
Building footprint
137 m²
Volume, LiDAR
734 m³
Parcel 44809I0614/00K002, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tuinwijklaan 32, 9000 Gent
since 20192.292.984.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0614/00K002 | Flanders | 283 m² | 1 · 137 m² | 10.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 336 EUR awarded · 336 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 96 EUR | 96 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 4,981 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
Founded08-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.