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AJ ADVISORY

Active
Private limited companyfounded 20224 yrs activeMolièrelaan 55, 1190 Vorst, BelgiumKBO/BCE: BE 0789.217.041
Summary

AJ ADVISORY has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,518 and a net result of €9,890. Equity is growing by ~47% per year across the filed fiscal years. Its solvency ranks better than 92% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
AJ ADVISORYActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€90,413total assets 2025
Equity
€84,518
Profit
€9,890
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 163 d early0 of 1 deed read
Why 97+ Liquidity: current ratio 14.75, cash €67,349+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €84,518 (93.5% of total assets)+ Size: total assets €90,413Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 74% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 93.5% of total assets
Liquidity 100+14
short-term debt 6.5% · cash 74.5%
Profitability 82-18
return on assets 10.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (47,599 companies)
Last 24 months 11-2024: 0.1%highest value 12-2024: < 0.1%▼ -50.6% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▼ -2.4% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%▲ +2.5% vs 10-2025 12-2025: < 0.1%▼ -24.4% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%▼ -3.2% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -16.7% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▼ -4.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▼ -4.2% vs 09-2026lowest value
  • Liquidity: current ratio 14.75, cash €67,349 lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Equity €84,518 (93.5% of total assets) lowers the probability
  • Size: total assets €90,413 lowers the probability for this profile
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 14.75 against 4.92 in 2024; short-term debt: 6.5% and cash: 74.5% of total assets), and 6.5% 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 70, micro). Better than this share of them on solvency 86%, liquidity 97%, profitability 51%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 14.75, cash €67,349
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Equity €84,518 (93.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €90,413
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-11-2025, 163 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
163 d early
2024
165 d early
2023
160 d early
← 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 163 days before 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)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 18 November (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet €9,890 ▼83.6%
  3. Liquidity triplescurrent ratio 14.75

Key points

  • Caution: Result fell in 2025from €60,265 to €9,890 ▼ 83.6% View
  • Positive: Among the best 8% on solvencysector median 56.1% · 34,931 companies 93.5% View
  • Total assets 20253 fiscal years filed €90,413 View

By topic

Financials

Fiscal year
2025
Total assets
€90,413
Profit
€9,890
Solvency
93.5%
Total assets▼ 3.3%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2023
Next accounts
by 30-04-2027
  1. 18-11-2025Annual accounts filed
  2. 30-09-2025Weakest financial year
  3. 30-09-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
29-07-2022
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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