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 (€-5k) and a net result of €-13k. Its solvency ranks better than 5% of 2444 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 health 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.
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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 2444 sector peers (2025).
NBB · sector comparisonPosition among 2444 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 →
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
25-09-2026 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 simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file 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 Which other companies resemble this one?Lookalike companies
Financials · fiscal year 2025, micro schema
Equity
€-5k
2024 · €8k
Net result
€-13k
2024 · €6k
Total assets
€6k▼ 69.0%
2024 · €18k
Solvency
-84.6%▼ 129.7pp
2024 · 45.1%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€10k-€-12k
Net result€6k-€-13k
Equity€8k-€-5k
Total assets€18k-€6k▼ 69.0%
Debt€10k-€10k▲ 4.3%
Working capital€6k-€-7k
Solvency45.1%--84.6%▼ 129.7pp
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 €12k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€963 ▲ 31.5%
Current assets
€4k ▼ 76.5%
Key figures and ratios
ROA
-229.8%▼
2024 · 34.0%
Debt ≤ 1 year
€10k▲
2024 · €10k
Income taxes
€198▼
2024 · €3k
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 | €1k | €469 | ▼ 66.5% |
| Gross operating margin9900 | €12k | €-11k | ▼ 196% |
| Operating profit (loss)9901 | €10k | €-12k | ▼ 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 | €10k | €-13k | ▼ 233% |
| Income taxes67/77 | €3k | €198 | ▼ 94.2% |
| Profit (loss) for the period9904 | €6k | €-13k | ▼ 310% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-13k | ▼ 310% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €18k | €6k | ▼ 69.0% |
| Formation expenses20 | €1k | €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 | €16k | €4k | ▼ 76.5% |
| Amounts receivable within one year40/41 | €15k | €3k | ▼ 82.9% |
| Trade receivables40 | €15k | €1 | ▼ 100.0% |
| Other amounts receivable41 | - | €3k | - |
| Cash at bank and in hand54/58 | €1k | €425 | ▼ 62.1% |
| Deferred charges and accrued income490/1 | - | €818 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €18k | €6k | ▼ 69.0% |
| Equity10/15 | €8k | €-5k | ▼ 158% |
| Contributions10/11 | €2k | €2k | = |
| Profit (loss) carried forward14 | €6k | €-7k | ▼ 210% |
| Amounts payable17/49 | €10k | €10k | ▲ 4.3% |
| Amounts payable within one year42/48 | €10k | €10k | ▲ 4.3% |
| Trade debts44 | €6k | €4k | ▼ 29.1% |
| Suppliers440/4 | €6k | €4k | ▼ 29.1% |
| Taxes, remuneration and social security45 | €3k | €6k | ▲ 88.7% |
| Taxes450/3 | €3k | €6k | ▲ 88.7% |
| Other amounts payable47/48 | €1k | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-13k | ▼ 310% |
| + Depreciation and write-downs630 | €678 | €768 | ▲ 13.3% |
| Operating cash flow (approximation) | €7k | €-12k | ▼ 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.
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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, 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 864 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
Scores and ratios are computed by Checked and are not a credit decision.