ACMJB Consult

Active

Private limited companyfounded 20232 yrs activeChaussée de Bruxelles 41, 1310 La Hulpe, BelgiumKBO/BCE: BE 1003.525.574

Summary

ACMJB Consult has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,124 and a net result of -€2,580. Equity is shrinking by ~38.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 95% of 15573 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

ACMJB ConsultActiveChecked score 92/100

Risk analysis Report Compare

Activity

Other tax advisory services

NACE 69209Certified accountants and tax accountants NACE 69201

1 site

Size

€6,216total assets 2025

Equity: €6,124
Loss: -€2,580

Turnover not published (abridged schema)

Financial health

92 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 31 d late0 of 2 deeds read

Why 92- 1 change of registered office in 24 months- Loss of €2,580 (FY 2025)+ Sector Legal and accounting activities (NACE 69)+ Liquidity: current ratio 67.42, cash €6,216, halvedShow the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Better than 48% of its sector peers (NACE 69, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 98.5% of total assets

Liquidity 100+4

short-term debt 1.5% · cash 100.0%

Profitability 0-40

return on assets -41.5%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,003 companies)

Last 24 months 01-2025: < 0.1%lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%▲ +11.1% vs 02-2025 04-2025: < 0.1%▲ +3.3% vs 03-2025 05-2025: < 0.1%▲ +6.5% vs 04-2025 06-2025: < 0.1%▲ +3.0% vs 05-2025 07-2025: < 0.1%▲ +11.8% vs 06-2025 08-2025: < 0.1%▲ +31.6% vs 07-2025 09-2025: 0.1%▲ +34.0% vs 08-2025 10-2025: < 0.1%▼ -46.3% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▲ +75.0% vs 12-2025 02-2026: 0.1%▼ -1.6% vs 01-2026 03-2026: 0.1%▲ +24.2% vs 02-2026 04-2026: 0.1%▲ +11.7% vs 03-2026 05-2026: 0.1%▲ +16.3% vs 04-2026 06-2026: 0.1%▲ +4.0% vs 05-2026 07-2026: 0.1%▲ +18.3% vs 06-2026 08-2026: 0.2%▲ +94.3% vs 07-2026highest value 09-2026: 0.1%▼ -51.9% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Sector Legal and accounting activities (NACE 69) lowers the probability
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 67.42, cash €6,216, halved lowers the probability
Loss of €2,580 (FY 2025) raises the probability

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 67.42 against 6.34 in 2024; short-term debt: 1.5% and cash: 100% of total assets), and 1.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 87%, liquidity 97%, profitability 1%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Legal and accounting activities (NACE 69)

In the bankruptcy model this factor lowers the probability.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 67.42, cash €6,216, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Loss of €2,580 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Young company

Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 3 filings

Deviation from the deadline

2025

31 d late

2024

32 d late

2023

30 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 31 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

31-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€2,580
31-12-25 Liquidity times 11current ratio 67.42

Key points

Caution: Among the weakest 9% on net resultsector median €37,408 · 15,574 companies -€2,580 View
Total assets 20253 fiscal years filed €6,216 View
Active since 2023founded 18-12-2023 2 years View