AJ Consulting & Services
ActiveThe computed 12-month bankruptcy probability of AJ Consulting & Services is 3.2% (moderate). The 2025 annual accounts show equity of €16k and a net result of €6k. Equity is growing by ~78.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 13091 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+37
Growth78=
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.68 in 2024; short-term debt: 27.4% and cash: 35.4% of total assets), and 29% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71%
Return on assets
26%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 6 filingsDeviation from the deadline
2025
32 d late
2024
29 d late
2023
on the day
2022
9 d early
2021
65 d late
2020
25 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 57.8%
2024 · €10k
2020: €-7k
2021: €-21k
2022: €-11k
2023: €-4k
2024: €10k
2020 → 2025
Total assets
€22k▼ 24.8%
2024 · €30k
2020: €41k
2021: €15k
2022: €18k
2023: €16k
2024: €30k
2020 → 2025
Net result
€6k▼ 59.8%
2024 · €15k
2020: €-15k
2021: €-13k
2022: €10k
2023: €6k
2024: €15k
2020 → 2025
Working capital
€10k▲ 26.0%
2024 · €8k
2020: €-22k
2021: €-25k
2022: €6k
2023: €2k
2024: €8k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-21k-€-11k▲ 48.7%€-4k▲ 58.0%€10k€16k▲ 57.8%
Operating result€-11k-€11k€7k▼ 37.0%€16k▲ 131%€7k▼ 53.8%
Net result€-13k-€10k€6k▼ 39.1%€15k▲ 138%€6k▼ 59.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€6k▼ 37.7%
Current assets
€16k▼ 18.6%
Equity and liabilities €22k
Equity
€16k▲ 57.8%
Debt
€6k▼ 67.0%
The debt ratio falls from 66.1% to 29.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €20k
Cash flow
€9k▼
2024 · €19k
Solvency
71.0%▲
2024 · 33.9%
Current ratio
2.67▲
2024 · 1.68
Quick ratio
2.67▲
2024 · 1.68
Debt / equity
0.41▼
2024 · 1.95
ROE
36.6%▼
2024 · 143.7%
ROA
26.0%▼
2024 · 48.7%
Interest coverage
12.24▼
2024 · 18.45
Debt
€6k▼
2024 · €20k
Debt ≤ 1 year
€6k▼
2024 · €12k
Debt > 1 year
€344▼
2024 · €7k
Income taxes
€575▲
2024 · €395
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€30k€22k▼
Fixed assets21/28€10k€6k▼
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€266€0▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28€90€90=
Current assets29/58€20k€16k▼
Amounts receivable within one year40/41€12k€8k▼
Trade receivables40€2k€2k▼
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€8k€8k▼
Deferred charges and accrued income490/1€152-
Equity and liabilities
Total equity and liabilities10/49€30k€22k▼
Equity10/15€10k€16k▲
Contributions10/11€8k€8k=
Reserves13€3k€8k▲
Distributable reserves133€3k€8k▲
Profit (loss) carried forward14€53€387▲
Amounts payable17/49€20k€6k▼
Amounts payable after more than one year17€7k€344▼
Financial debts170/4€7k€344▼
Amounts payable within one year42/48€12k€6k▼
Current portion of amounts payable after more than one year42€12k€4k▼
Trade debts44€32€489▲
Suppliers440/4€32€489▲
Taxes, remuneration and social security45€0€2k▲
Taxes450/3€0€1k▲
Remuneration and social security454/9-€325
Accrued charges and deferred income492/3€565-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€563€305▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€22k€11k▼
Operating profit (loss)9901€16k€7k▼
Financial income75/76B€188€0▼
Recurring financial income75€188€0▼
Financial charges65/66B€1k€894▼
Recurring financial charges65€1k€894▼
Profit (loss) for the period before taxes9903€15k€6k▼
Income taxes67/77€395€575▲
Profit (loss) for the period9904€15k€6k▼
Profit (loss) for the period to be appropriated9905€15k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Profit (loss) brought forward from the previous period14P€-12k€53▲
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
The notes to these accounts (9 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2020net €15k ▲138%
Operating result €16k, net result €15k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 1.77
Current ratio from 0.29 to 1.77; short-term debt falls from €35k to €8k.
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Antwerpen · 1 establishment unit since 2020
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.
Leugenberg 482180 AntwerpenGround area
283 m²
Building footprint
67 m²
Volume, LiDAR
405 m³
Parcel 11014H0481/00Z000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AJ CONSULTING & SERVICES
since 20202.298.612.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11014H0481/00Z000 | Flanders | 283 m² | 1 · 66 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
FOODcos
BE 0797.704.343
Brasschaat · Eq €16k
Tom Herbosch
BE 0718.690.420
Westerlo · Eq €16k
LUNGO
BE 0453.452.927
Temse · Eq €16k
Global Food Development Company
BE 0683.813.079
Liège · Eq €16k
Comme à la maison
BE 1015.008.097
Evergem · Eq €16k
Of 7,509 companies in sector 56210 we hold annual accounts for 2,445. 1,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2020
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
41001General construction of residential buildings
43221Plumbing work
74300Other professional, scientific and technical activities
74301Translation services
81210General cleaning of buildings
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:alicja.ajconsulting@gmail.com