Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 2.6 to 1.3.
Financials
Financial year 2025
CK&J from Brugge, company number BE0663832366, closed financial year 2025 with a result of € 881,726 after tax. For that financial year CK&J recorded a gross margin of € 954,827 and equity of € 3.7 million. Compared with financial year 2024, the result moved from € 639,517 to € 881,726. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2025.
€ 3.7 million
▲ 31% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 881,726
▲ 38% vs 2024
Profit after tax over the fiscal year.
€ 98,262
▼ 49% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 3 million.
People and assets in 2025
1.3
▼ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 59,070
▼ 43% vs 2024
€ 45,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 265,629
▲ 194% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.3 million
▼ 12% vs 2024
€ 379,178 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 21,169
▲ 87% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,628
▼ 16% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 925,709 | € 1,080,605 | € 1,144,315 | € 954,827 | ▼ 17% |
| Profit after taxes | € 478,705 | € 610,146 | € 639,517 | € 881,726 | ▲ 38% |
| Equity | € 2,647,214 | € 3,257,360 | € 2,848,411 | € 3,730,137 | ▲ 31% |
| Total debts | € 1,697,656 | € 2,328,195 | € 4,985,553 | € 3,433,946 | ▼ 31% |
| Cash | € 744,931 | € 585,273 | € 193,111 | € 98,262 | ▼ 49% |
| Land & buildings | € 2,097,018 | € 3,746,471 | € 5,605,052 | € 5,823,291 | ▲ 4% |
| Retained profit | € 919,296 | € 1,529,441 | € 2,149,464 | € 3,031,190 | ▲ 41% |
| Dividend | € 0 | € 0 | € 16,519 | € 0 | ▼ 100% |
| Bank debt | € 1,523,162 | € 2,253,436 | € 3,733,920 | € 3,296,190 | ▼ 12% |
| Balance sheet total | € 4,344,870 | € 5,585,554 | € 7,833,964 | € 7,164,083 | ▼ 9% |
| Employees (FTE) | - | 2.6 | 2.2 | 1.3 | ▼ 0.9 |
Key figures of CK&J, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.
What happened to CK&J?
What happened at CK&J in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 881,726 (▲ 38% vs 2024). Source: NBB ↗
- New establishment in Nieuwpoort. KBO
- New establishment in Brugge. KBO
- New establishment in Brugge. KBO
- New establishment in Oostkamp. KBO
- New establishment in Brugge. KBO
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
In short
From € 478,705 profit in 2022 to € 881,726 profit in 2025.
Paid € 886,706 in corporate taxes since 2022.
Best year ever: 2025, with € 881,726 profit.
On average € 734,500 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CK&J are Johan Dierickx, Katrien Putman and Charlotte Dierickx. The same people are also behind LAURIM. Charlotte Dierickx is also behind JOKA.
Establishments
Establishment units
Physical locations of this company
De Linde 65
8310 Brugge
Ravenbosstraat 22
8020 Oostkamp
Active since 1 May 2021
Monnikenwerve 94/96
8000 Brugge
Active since 1 January 2023
Monnikenwerve 194
8000 Brugge
Active since 8 May 2017
Albert I laan 22
8620 Nieuwpoort
Active since 3 July 2023
Achiel Van Ackerplein 1 box 1.01
8000 Brugge
Active since 1 April 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0663.832.366
- VAT number
- BE 0663.832.366
- Registered office
- De Linde 65, 8310 Brugge
- Names & denominations
- CK&J
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 October 2016
- Peppol
- Active · Active since 25 Aug 2025
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Activiteiten van holdings
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Holdings