RJDC
ActiveSummary
The computed 12-month bankruptcy probability of RJDC is 1.9% (moderate). The 2025 annual accounts show negative equity (€-28k) and a net result of €-7k. Equity is shrinking by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 729 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+1
Solvency0=
Growth30▼-42
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.06 in 2024; short-term debt: 131.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-59.9%
Return on assets
-14.9%
Age of the figures
18 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-28k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 11-11-2025, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
11 d late
2024
3 d early
2023
38 d early
2022
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€30k▼ 36.4%
2024 · €47k
2022: €33k
2023: €57k
2024: €47k
2022 → 2025
EBIT margin
-9.8%▲ 5.4pp
2024 · -15.2%
2022: -42.4%
2023: -57.8%
2024: -15.2%
2022 → 2025
Net result
€-7k
2024 · €6k
2022: €-7k
2023: €-31k
2024: €6k
2022 → 2025
Working capital
€-62k▼ 27.5%
2024 · €-49k
2022: €-29k
2023: €-51k
2024: €-49k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€33k-€57k▲ 73.5%€47k▼ 16.6%€30k▼ 36.4%
Equity€3k-€-28k€-21k▲ 23.0%€-28k▼ 33.1%
Operating result€-14k-€-33k▼ 137%€-7k▲ 78.0%€-3k▲ 59.0%
Net result€-7k-€-31k▼ 354%€6k€-7k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€47k ▼ 30.1%
Current assets
€105 ▼ 96.3%
Key figures and ratios
EBITDA
€17k▲
2024 · €7k
Cash flow
€13k▼
2024 · €21k
Solvency
-59.9%▼
2024 · -30.3%
Current ratio
0.00▼
2024 · 0.06
Debt to equity
-2.67▲
2024 · -4.30
ROA
-14.9%▼
2024 · 9.0%
Interest coverage
4.19▲
2024 · 1.62
Debt
€76k▼
2024 · €92k
Debt ≤ 1 year
€62k▲
2024 · €52k
Debt > 1 year
€14k▼
2024 · €40k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€71k€48k▼
Fixed assets21/28€68k€47k▼
Intangible fixed assets21€86-
Tangible fixed assets22/27€68k€47k▼
Plant, machinery and equipment23€29k€18k▼
Furniture and vehicles24€36k€28k▼
Other tangible fixed assets26€2k€580▼
Financial fixed assets28€175-
Current assets29/58€3k€105▼
Amounts receivable within one year40/41€3k-
Other amounts receivable41€3k-
Current investments50/53-€105
Equity and liabilities
Total equity and liabilities10/49€71k€48k▼
Equity10/15€-21k€-28k▼
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€-32k€-39k▼
Amounts payable17/49€92k€76k▼
Amounts payable after more than one year17€40k€14k▼
Financial debts170/4€40k€14k▼
Amounts payable within one year42/48€52k€62k▲
Current portion of amounts payable after more than one year42€28k€26k▼
Financial debts43€6k€12k▲
Credit institutions430/8€6k€12k▲
Trade debts44€2k€10k▲
Suppliers440/4€2k€10k▲
Taxes, remuneration and social security45€15k€11k▼
Taxes450/3€13k€11k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€4k
Income statement
Code20242025
Turnover70€47k€30k▼
Non-recurring operating income76A€19k€1k▼
Goods, raw materials, services and sundry goods60/61€27k€19k▼
Remuneration, social security and pensions62€19k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€20k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€32k€19k▼
Operating profit (loss)9901€-7k€-3k▲
Financial income75/76B€18k-
Recurring financial income75€1k-
Non-recurring financial income76B€17k-
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€6k€-7k▼
Profit (loss) for the period9904€6k€-7k▼
Profit (loss) for the period to be appropriated9905€6k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-39k▼
Profit (loss) brought forward from the previous period14P€-38k€-32k▲
Transfer to equity691/2€1k-
To the legal reserve6920€1k-
The notes to these accounts (13 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
2025
11-11
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2023
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Courcelles · 3 establishment units since 2020
Ground area
6,860 m²
Building footprint
1,369 m²
Volume, LiDAR
8,352 m³
3 parcels, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
RJDC
since 20202.309.240.594
RJDC
since 20222.330.523.483
RJDC
since 20222.330.523.582
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120F0021/00B002 | Wallonia | 5,170 m² | 1 · 1,091 m² | 6.6 m · 2 fl. |
| 52015B1454/00D006 | Wallonia | 966 m² | 1 · 111 m² | 12.4 m · 4 fl. |
| 81015A0370/00C000indicative | Wallonia | 723 m² | 1 · 168 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 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 2,143 companies in sector 71209 we hold annual accounts for 1,085. 249 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
Founded18-10-2020
Fiscal year end31-03
Activities, NACEBEL 2025
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesE-mail:Celinedujeux.immo@gmail.com
Phone:+32475215190
Website:mybaby4d.be
E-mail:info@mybaby4d.be
Phone:071228605