GR&JJ
ActiveGR&JJ has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €5k. Equity is shrinking by ~22.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 54% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-11
Solvency60=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.92 in 2024; short-term debt: 59.8% and cash: 27.9% of total assets), and 64.9% 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
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 →
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
35.1%
Return on assets
10.1%
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
70 d early
2023
47 d early
2022
66 d early
2021
40 d early
2020
43 d early
2019
49 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 22.7%
2024 · €24k
2018: €83k
2019: €72k
2020: €21k
2021: €67k
2022: €47k
2023: €36k
2024: €24k
2018 → 2025
Total assets
€53k▼ 23.6%
2024 · €69k
2018: €106k
2019: €116k
2020: €97k
2021: €123k
2022: €96k
2023: €75k
2024: €69k
2018 → 2025
Net result
€5k▼ 59.1%
2024 · €13k
2018: €6k
2019: €24k
2020: €2k
2021: €46k
2022: €20k
2023: €-764
2024: €13k
2018 → 2025
Working capital
€2k
2024 · €-3k
2018: €14k
2019: €41k
2020: €2k
2021: €34k
2022: €19k
2023: €-3k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€47k▼ 30.3%€36k▼ 23.0%€24k▼ 33.1%€19k▼ 22.7%
Operating result€66k-€26k▼ 60.1%€1k▼ 94.6%€18k▲ 1,162%€8k▼ 53.2%
Net result€46k-€20k▼ 57.2%€-764€13k€5k▼ 59.1%
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 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€19k▼ 44.3%
Current assets
€34k▼ 2.6%
Equity and liabilities €53k
Equity
€19k▼ 22.7%
Debt
€34k▼ 24.1%
The debt ratio falls from 65.3% to 64.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €34k
Cash flow
€21k▼
2024 · €30k
Solvency
35.1%▲
2024 · 34.7%
Current ratio
1.06▲
2024 · 0.92
Quick ratio
1.06▲
2024 · 0.92
Debt / equity
1.85▼
2024 · 1.88
ROE
28.8%▼
2024 · 54.5%
ROA
10.1%▼
2024 · 18.9%
Interest coverage
39.44▲
2024 · 23.47
Debt
€34k▼
2024 · €45k
Debt ≤ 1 year
€32k▼
2024 · €37k
Debt > 1 year
€3k▼
2024 · €8k
Income taxes
€2k▼
2024 · €3k
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€69k€53k▼
Fixed assets21/28€35k€19k▼
Tangible fixed assets22/27€35k€19k▼
Land and buildings22€17k€14k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€17k€4k▼
Current assets29/58€34k€34k▼
Amounts receivable within one year40/41€8k€19k▲
Trade receivables40€8k€18k▲
Other amounts receivable41-€314
Cash at bank and in hand54/58€26k€15k▼
Deferred charges and accrued income490/1-€97
Equity and liabilities
Total equity and liabilities10/49€69k€53k▼
Equity10/15€24k€19k▼
Contributions10/11€19k€19k=
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€4k-
Amounts payable17/49€45k€34k▼
Amounts payable after more than one year17€8k€3k▼
Financial debts170/4€8k€3k▼
Amounts payable within one year42/48€37k€32k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€3k€567▼
Suppliers440/4€3k€567▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€25k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€1k€804▼
Gross operating margin9900€35k€25k▼
Operating profit (loss)9901€18k€8k▼
Financial charges65/66B€1k€602▼
Recurring financial charges65€1k€602▼
Profit (loss) for the period before taxes9903€16k€8k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€13k€5k▼
Profit (loss) for the period to be appropriated9905€13k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€9k▼
Profit (loss) brought forward from the previous period14P€15k€4k▼
Transfer from equity791/2-€2k
Profit to be distributed694/7€25k€11k▼
Return on contributions (dividend)694€25k€11k▼
The notes to these accounts (7 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-764 ▼104%
Net result drops to €-764, the lowest in the series; recovery starts the following year.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲1973%
Operating result €66k, net result €46k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Lasne · 1 establishment unit since 2015
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.
Rue de Payot 41380 LasneGround area
3,061 m²
Building footprint
239 m²
Volume, LiDAR
1,494 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Fichermont 4, 1380 Lasne
since 20152.242.705.623
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051A0132/00N002 | Wallonia | 2,327 m² | 1 · 155 m² | 8.2 m · 2 fl. |
| 25051A0131/00L000 | Wallonia | 733 m² | 1 · 83 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 9,697 companies in sector 68121 we hold annual accounts for 7,382. 3,946 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2015
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.