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MRJ

Active
Private limited company·Activiteiten van holdings· 5 yrs active
Steenweg op Ruisbroek 257 ·1620 Drogenbos, Belgium
KBO/BCE: BE 0761.708.831
Watch Print / PDF
Age5 yrs
Connections15

Summary

Conclusion

the dossier summarised in one paragraph

MRJ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €5k and a net result of €-1k. Equity is shrinking by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 3139 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Trust signals

2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€5k-20.0%
Net result€-1k
Total assets€18k-33.1%
Solvency25.8%+4.2pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
€-10k€-5k€0€5k€10kOperating result 2021: €8k€8kNet result 2021: €5k€5kOperating result 2022: €-8k€-8kNet result 2022: €-8k€-8kOperating result 2023: €6k€6kNet result 2023: €6k€6kOperating result 2024: €-2k€-2kNet result 2024: €-1k€-1k2021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~16.9%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€2k€4k€6k€8k2025: €4k (€4k - €4k)2026: €3k (€3k - €3k)2027: €2k (€2k - €3k)2021: €8k2022: €52023: €6k2024: €5k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 25.8% 52.5%
better than 29% of 3139 sector peers
Net result €-1k €32k
better than 14% of 3135 sector peers
Equity €5k €75k
better than 11% of 3140 sector peers
Gross operating margin €-851 €52k
better than 10% of 3132 sector peers
Total assets €18k €192k
better than 5% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P29
2021: P58 · n=9282022: P8 · n=18122023: P27 · n=25632024: P29 · n=31392021 2024
Stable position over 2021-2024 · n=928-3139
Net result P14
2021: P26 · n=9302022: P10 · n=18122023: P25 · n=25622024: P14 · n=31352021 2024
Stable position over 2021-2024 · n=930-3135
Equity P11
2021: P16 · n=9302022: P8 · n=18122023: P12 · n=25632024: P11 · n=31402021 2024
Stable position over 2021-2024 · n=930-3140
Gross operating margin P10
2021: P23 · n=9232022: P6 · n=18102023: P18 · n=25592024: P10 · n=31322021 2024
Stable position over 2021-2024 · n=923-3132
Describes the position versus peers, not a forecast.
Net profit
€-1k
- +87% vs sector
Total assets
€18k
-33.1% -95% vs sector
Equity
€5k
-20.0% -98% vs sector
Income taxes
€440
- -30% vs sector
Debt
€14k
-36.7% -44% vs sector
Debt ≤ 1y
€14k
-36.7% -44% vs sector
Solvency
25.8%
+19.6% -70% vs sector
ROE
-25.0%
- far below sector median
ROA
-6.4%
- -59% vs sector
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€-1k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€18k
Equity€5k
Debt€14k
of which ≤ 1y€14k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency25.8%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-6.4%
ROE-25.0%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€18k
Fixed assets 21/28€147
Tangible fixed assets 22/27€147
Current assets 29/58€18k
Amounts receivable within one year 40/41€17k
Cash & bank 54/58€574
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€18k
Equity 10/15€5k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€2k
Amounts payable 17/49€14k
Amounts payable within one year 42/48€14k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€-851
Operating result 9901€-2k
Financial income 75€864
Financial charges 65€505
Result before taxes 9903€-1k
Net result for the period 9904€-1k
Result to be appropriated 9905€-1k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
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.

Directors

Directors & mandates

1 director
Former directors (1)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van holdings(64210)
Legal form Private limited company(610)
Incorporation18-01-2021
StatusActive
Postal code1620

Structure & network

Connections & network

15 connected companies

Locations & real estate

Establishment units

1 location
MRJ
Rue des Sablières 45, 1435 Mont-Saint-GuibertOntwikkeling van residentiële bouwprojecten
since 20212.312.386.661
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area8,922 m²
Buildings2
Building footprint5,001 m²
Volume (LiDAR)35,001 m³
Tallest building12.9 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
22001B0038/00K000 Flanders 7,925 m² 1 · 4,905 m² 12.9 m · 2 fl.
25068B0069/00L000 Wallonia 997 m² 1 · 96 m² 6.6 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts
Address history · 2
16-03-2026
Registered-office move
08-12-2025
v3.2
All acts · 4 updated 4 months ago
2026
16-03-2026 Registered office moved within Drogenbos Registered-office change
  • Rue Golden Hope 13 1620 Drogenbos → 257 Steenweg op Ruisbroek, 1620 Drogenbos
2025
08-12-2025 Registered office moved from Jabbeke to Drogenbos Registered-office change
  • Duineweg 1, 8490 Jabbeke → Steenweg op Ruisbroek 257, 1620 Drogenbos
Summary: v3.2
2024
25-11-2024 Furnémont Jean-Philippe resigns as director Director changes
  • Furnémont Jean-Philippe, Bestuurder
Summary: v3.2
2021
20-01-2021 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability0Solvency47Growth32Stability94
43 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 47
Growth 32
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Ontwikkeling van residentiële bouwprojecten41101Vermogensbeheer66300Vermogensbeheer66300Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Ontwikkeling van residentiële bouwprojecten68121Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL MRJ
Registered office
Steenweg op Ruisbroek 257
1620 Drogenbos, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.