ACSJPL
ActiveSummary
ACSJPL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 14% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-42
Solvency34▼-5
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.56 against 0.41 in 2024; short-term debt: 91.5% and cash: 0.2% of total assets), and 91.5% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
8.5%
Return on assets
-2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-04-2026, 72 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 filingsDeviation from the deadline
2025
72 d late
2024
53 d early
2023
47 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €4k
2023: €8k
2024: €4k
2023 → 2025
Working capital
€-62k▼ 13.1%
2024 · €-55k
2023: €-16k
2024: €-55k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€16k▲ 27.7%€13k▼ 19.0%
Operating result€11k-€7k▼ 41.1%€3k▼ 55.4%
Net result€8k-€4k▼ 54.4%€-3k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 55% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€72k ▲ 5.4%
Current assets
€80k ▲ 112%
Equity and liabilities €155k
Equity
€13k ▼ 19.0%
Debt
€142k ▲ 47.0%
Debt's share of the balance-sheet total rises from 85.5% to 91.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €10k
Cash flow
€3k▼
2024 · €7k
Current ratio
0.56▲
2024 · 0.41
Debt to equity
10.74▲
2024 · 5.92
ROE
-23.4%▼
2024 · 21.7%
ROA
-2.0%▼
2024 · 3.1%
Interest coverage
1.80▼
2024 · 6.11
Debt ≤ 1 year
€142k▲
2024 · €93k
Income taxes
€1k▼
2024 · €1k
Staff costs
€31k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€113k€155k▲
Formation expenses20€7k€4k▼
Fixed assets21/28€68k€72k▲
Intangible fixed assets21€15k€13k▼
Tangible fixed assets22/27-€5k
Furniture and vehicles24-€5k
Financial fixed assets28€54k€54k=
Current assets29/58€38k€80k▲
Amounts receivable within one year40/41€35k€80k▲
Trade receivables40€35k€66k▲
Other amounts receivable41€645€13k▲
Cash at bank and in hand54/58€2k€303▼
Deferred charges and accrued income490/1€395-
Equity and liabilities
Total equity and liabilities10/49€113k€155k▲
Equity10/15€16k€13k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€11k€8k▼
Amounts payable17/49€97k€142k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€93k€142k▲
Current portion of amounts payable after more than one year42€6k€5k▼
Financial debts43€3k€17k▲
Credit institutions430/8€3k€17k▲
Trade debts44€34k€25k▼
Suppliers440/4€34k€25k▼
Taxes, remuneration and social security45€4k€26k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9-€15k
Other amounts payable47/48€45k€69k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€31k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€69€1k▲
Gross operating margin9900€10k€41k▲
Operating profit (loss)9901€7k€3k▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€5k€-2k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€4k€-3k▼
Profit (loss) for the period to be appropriated9905€4k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€8k▼
Profit (loss) brought forward from the previous period14P€8k€11k▲
Social balance
Average headcount (FTE)9087-0.8
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
2026
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 72 days late
2025
30-06
Financial
Weakest financial yearnet €-3k ▼187%
Net result drops to €-3k, the lowest in the series.
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2022
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.
Av. Constantin-de-Gerlache 45/14000 Liège1 establishment unit
ACSJPL
since 20222.331.309.975
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ABOUT TIME TRAINING & COACHING
BE 1003.386.311
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 26,060 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
Founded11-05-2022
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filings
Scores and ratios are computed by Checked and are not a credit decision.