ADJB Consult
ActiveSummary
ADJB Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€4,766) and a net result of -€12,941. Its solvency ranks better than 5% of 2464 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2464 sector peers (2025).
NBB · sector comparisonPosition among 2464 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 2 filingsDeviation from the deadline
2025
13 d late
2024
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€4,766
2024 · €8,175
Net result
-€12,941
2024 · €6,175
Total assets
€5,632▼ 69.0%
2024 · €18,145
Solvency
-84.6%▼ 129.7pp
2024 · 45.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€9,674--€12,492
Net result€6,175within the sector's middle half--€12,941below the sector's middle half
Equity€8,175below the sector's middle half--€4,766below the sector's middle half
Total assets€18,145below the sector's middle half-€5,632below the sector's middle half▼ 69.0%
Debt€9,970-€10,398▲ 4.3%
Working capital€6,333within the sector's middle half--€6,559within the sector's middle half
Solvency45.1%within the sector's middle half--84.6%below the sector's middle half▼ 129.7pp
Current ratio1.64within the sector's middle half-0.37below the sector's middle half▼ 1.27
Return on assets (ROA)34.0%above the sector's middle half--229.8%below the sector's middle half▼ 263.8pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12,492 after €9,674 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4,803
Fixed assets
€963 ▲ 31.5%
Current assets
€3,839 ▼ 76.5%
Key figures and ratios
Debt ≤ 1 year
€10,398▲
2024 · €9,970
Income taxes
€198▼
2024 · €3,427
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €678 | €768 | ▲ 13.3% |
| Other operating charges640/8 | €1,399 | €469 | ▼ 66.5% |
| Gross operating margin9900 | €11,751 | -€11,255 | ▼ 196% |
| Operating profit (loss)9901 | €9,674 | -€12,492 | ▼ 229% |
| Financial income75/76B | €0 | - | - |
| Recurring financial income75 | €0 | - | - |
| Financial charges65/66B | €71 | €251 | ▲ 251% |
| Recurring financial charges65 | €71 | €251 | ▲ 251% |
| Profit (loss) for the period before taxes9903 | €9,602 | -€12,743 | ▼ 233% |
| Income taxes67/77 | €3,427 | €198 | ▼ 94.2% |
| Profit (loss) for the period9904 | €6,175 | -€12,941 | ▼ 310% |
| Profit (loss) for the period to be appropriated9905 | €6,175 | -€12,941 | ▼ 310% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €18,145 | €5,632 | ▼ 69.0% |
| Formation expenses20 | €1,109 | €829 | ▼ 25.2% |
| Fixed assets21/28 | €732 | €963 | ▲ 31.5% |
| Tangible fixed assets22/27 | €732 | €963 | ▲ 31.5% |
| Furniture and vehicles24 | €732 | €963 | ▲ 31.5% |
| Current assets29/58 | €16,303 | €3,839 | ▼ 76.5% |
| Amounts receivable within one year40/41 | €15,182 | €2,596 | ▼ 82.9% |
| Trade receivables40 | €15,182 | €1 | ▼ 100.0% |
| Other amounts receivable41 | - | €2,595 | - |
| Cash at bank and in hand54/58 | €1,122 | €425 | ▼ 62.1% |
| Deferred charges and accrued income490/1 | - | €818 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €18,145 | €5,632 | ▼ 69.0% |
| Equity10/15 | €8,175 | -€4,766 | ▼ 158% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €6,175 | -€6,766 | ▼ 210% |
| Amounts payable17/49 | €9,970 | €10,398 | ▲ 4.3% |
| Amounts payable within one year42/48 | €9,970 | €10,398 | ▲ 4.3% |
| Trade debts44 | €5,543 | €3,930 | ▼ 29.1% |
| Suppliers440/4 | €5,543 | €3,930 | ▼ 29.1% |
| Taxes, remuneration and social security45 | €3,427 | €6,468 | ▲ 88.7% |
| Taxes450/3 | €3,427 | €6,468 | ▲ 88.7% |
| Other amounts payable47/48 | €1,000 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €6,175 | -€12,941 | ▼ 310% |
| + Depreciation and write-downs630 | €678 | €768 | ▲ 13.3% |
| Operating cash flow (approximation) | €6,853 | -€12,173 | ▼ 278% |
| Investment in fixed assets (approximation) | - | -€999 | - |
| Change in cash | - | -€696 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Evere · 2 establishment units since 2023
Ground area
494 m²
Building footprint
264 m²
Volume, LiDAR
3,006 m³
2 parcels, Brussels · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
ADJB Consult
since 20232.353.612.057
ADJB Consult
since 20232.353.612.156
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0310/00E002 | Brussels | 266 m² | 1 · 147 m² | 16.1 m · 5 fl. |
| 21372C0022/00W000 | Brussels | 228 m² | 1 · 117 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
W&F Consult
BE 0471.564.312
Châtelet · Eq €8,057
PATRIMOINE CONSULT
BE 0836.151.480
Jurbise · Eq €8,332
LAWALREE DOMINIQUE
BE 0860.475.716
Ganshoren · Eq €8,405
INDUSTIP
BE 1007.450.908
Heusden-Zolder · Eq €7,922
Société Générale de Courtage
BE 0550.962.869
Bastogne · Eq €8,452
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 866 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003556951
Also
9925:BE1003556951
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.