APPLEJACK Consult
ActiveAPPLEJACK Consult has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 30% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+2
Solvency55▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.74 against 1.28 in 2024; short-term debt: 15.6% and cash: 11.3% of total assets), and 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
29.5%
Return on assets
-0.2%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-12-2025, 40 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 · 10 filingsDeviation from the deadline
2025
40 d late
2024
6 d early
2023
4 d early
2022
28 d late
2021
30 d late
2020
30 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k▼ 398%
2024 · €-2k
2019: €-80k
2020: €71k
2021: €-56k
2022: €30k
2023: €-5k
2024: €-2k
2019 → 2025
Working capital
€-151k
2024 · €163k
2019: €223k
2020: €246k
2021: €57k
2022: €350k
2023: €298k
2024: €163k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.14M▲ 2.7%€1.13M▼ 0.5%€1.13M▼ 0.1%€1.12M▼ 0.7%
Operating result€96k-€201k▲ 109%€145k▼ 28.2%€102k▼ 29.2%€130k▲ 26.9%
Net result€-56k-€30k€-5k€-2k▲ 68.9%€-8k▼ 398%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.80M
Fixed assets
€3.36M▼ 2.5%
Current assets
€441k▼ 41.3%
Equity and liabilities €3.80M
Equity
€1.12M▼ 0.7%
Provisions
€1.68M▼ 7.3%
Debt
€996k▼ 20.4%
The debt ratio falls from 29.8% to 26.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€215k▲
2024 · €184k
Cash flow
€77k▼
2024 · €80k
Solvency
29.5%▲
2024 · 26.9%
Current ratio
0.74▼
2024 · 1.28
Quick ratio
0.74▼
2024 · 1.28
Debt / equity
0.89▼
2024 · 1.11
ROE
-0.7%▼
2024 · -0.1%
ROA
-0.2%▼
2024 · 0.0%
Interest coverage
1.54▲
2024 · 1.23
Debt
€996k▼
2024 · €1.25M
Debt ≤ 1 year
€593k▲
2024 · €589k
Debt > 1 year
€404k▼
2024 · €662k
Income taxes
€350▼
2024 · €3k
Staff costs
€786
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€4.20M€3.80M▼
Fixed assets21/28€3.44M€3.36M▼
Tangible fixed assets22/27€1.85M€1.76M▼
Land and buildings22€1.79M€1.72M▼
Furniture and vehicles24€9k€4k▼
Leasing and similar rights25€40k€31k▼
Other tangible fixed assets26€11k€11k=
Financial fixed assets28€1.60M€1.60M=
Current assets29/58€752k€441k▼
Amounts receivable within one year40/41€15k€12k▼
Trade receivables40€15k€12k▼
Other amounts receivable41-€126
Cash at bank and in hand54/58€727k€428k▼
Deferred charges and accrued income490/1€10k€921▼
Equity and liabilities
Total equity and liabilities10/49€4.20M€3.80M▼
Equity10/15€1.13M€1.12M▼
Contributions10/11€66k€66k=
Reserves13€1.02M€1.01M▼
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132€150k€143k▼
Distributable reserves133€860k€860k=
Profit (loss) carried forward14€47k€46k▼
Provisions and deferred taxes16€1.81M€1.68M▼
Provisions for liabilities and charges160/5€1.76M€1.63M▼
Pensions and similar obligations160€270k€1.63M▲
Environmental obligations163€1.49M-
Deferred taxes168€50k€48k▼
Amounts payable17/49€1.25M€996k▼
Amounts payable after more than one year17€662k€404k▼
Financial debts170/4€662k€404k▼
Amounts payable within one year42/48€589k€593k▲
Current portion of amounts payable after more than one year42€232k€75k▼
Trade debts44€18k-
Suppliers440/4€18k-
Taxes, remuneration and social security45€7k€128▼
Taxes450/3€7k-
Remuneration and social security454/9-€128
Other amounts payable47/48€331k€517k▲
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62-€786
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€85k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-50k€-131k▼
Other operating charges640/8€9k€5k▼
Gross operating margin9900€143k€90k▼
Operating profit (loss)9901€102k€130k▲
Financial income75/76B€47k€1▼
Recurring financial income75€47k€1▼
Financial charges65/66B€150k€140k▼
Recurring financial charges65€150k€140k▼
Profit (loss) for the period before taxes9903€-347€-10k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€3k€350▼
Profit (loss) for the period9904€-2k€-8k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€5k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€46k▼
Profit (loss) brought forward from the previous period14P€42k€47k▲
The notes to these accounts (6 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
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
31-03
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
31-03
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2016
02-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Pieters-Woluwe · 1 establishment unit since 2003
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.
Tervurenlaan 4021150 Sint-Pieters-WoluweGround area
1.2 ha
Building footprint
1,456 m²
Volume, LiDAR
14,897 m³
2 parcels, Brussels, Flanders · tallest building 18.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Waterloose Steenweg 198, 1640 Sint-Genesius-Rode
since 20032.123.431.354
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 838 m² | 16.9 m · 4 fl. |
| 21682C0142/00A004 | Brussels | 4,483 m² | 1 · 617 m² | 18.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
Risk & Capital Intelligence
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COLTHOM DEFENDER
BE 0503.944.692
Elsene · Eq €1.12M
MATERCO
BE 0859.834.526
Tervuren · Eq €1.12M
IMPACT
BE 0829.837.869
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STADIM
BE 0458.797.033
Antwerpen · Eq €1.12M
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2002
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.