ASJ FINANCES
ActiveASJ FINANCES has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €57k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability96▼-4
Solvency39▼-5
Growth63=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.14 in 2023; short-term debt: 62.7% and cash: 33.1% of total assets), and 85.7% 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 →
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
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 2024Solvency, return and age of the figures
Solvency
14.3%
Return on assets
20%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
not confirmed
2024
68 d late
2023
27 d late
2022
31 d late
2021
12 d early
2020
22 d early
2019
54 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€50k=
2023 · €50k
2022: €50k
2023: €50k
2022 → 2024
EBIT margin
139.7%▼ 71.0pp
2023 · 210.6%
2022: 273.0%
2023: 210.6%
2022 → 2024
Net result
€57k▼ 30.3%
2023 · €82k
2019: €-1k
2020: €7k
2021: €118k
2022: €106k
2023: €82k
2019 → 2024
Working capital
€22k▼ 9.5%
2023 · €24k
2019: €4k
2020: €-51k
2021: €82k
2022: €-14k
2023: €24k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€50k€50k=€50k=
Equity€10k-€129k▲ 1,137%€20k▼ 84.7%€41k▲ 109%€41k▼ 1.6%
Operating result€-18k-€155k€135k▼ 12.6%€104k▼ 22.9%€69k▼ 33.7%
Net result€7k-€118k▲ 1,653%€106k▼ 10.5%€82k▼ 23.0%€57k▼ 30.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €284k
Fixed assets
€84k▲ 383%
Current assets
€200k▲ 2.0%
Equity and liabilities €284k
Equity
€41k▼ 1.6%
Debt
€243k▲ 41.4%
The debt ratio rises from 80.6% to 85.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€75k▼
2023 · €120k
Cash flow
€63k▼
2023 · €98k
Solvency
14.3%▼
2023 · 19.4%
Current ratio
1.12▼
2023 · 1.14
Quick ratio
1.12▼
2023 · 1.14
Debt / equity
5.99▲
2023 · 4.17
ROE
140.0%▼
2023 · 197.6%
ROA
20.0%▼
2023 · 38.2%
Interest coverage
46.00▼
2023 · 385.47
Debt
€243k▲
2023 · €172k
Debt ≤ 1 year
€178k▲
2023 · €172k
Debt > 1 year
€65k
Income taxes
€14k▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€213k€284k▲
Fixed assets21/28€17k€84k▲
Tangible fixed assets22/27€17k€84k▲
Furniture and vehicles24€17k€2k▼
Leasing and similar rights25-€82k
Current assets29/58€196k€200k▲
Amounts receivable within one year40/41€63k€102k▲
Trade receivables40€10k€24k▲
Other amounts receivable41€53k€78k▲
Cash at bank and in hand54/58€132k€94k▼
Deferred charges and accrued income490/1€240€4k▲
Equity and liabilities
Total equity and liabilities10/49€213k€284k▲
Equity10/15€41k€41k▼
Contributions10/11€5k€5k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€31k€30k▼
Amounts payable17/49€172k€243k▲
Amounts payable after more than one year17-€65k
Financial debts170/4-€65k
Amounts payable within one year42/48€172k€178k▲
Current portion of amounts payable after more than one year42-€16k
Financial debts43€11k€12k▲
Other loans439€11k€12k▲
Trade debts44€384€4k▲
Suppliers440/4€384€4k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Other amounts payable47/48€146k€134k▼
Accrued charges and deferred income492/3-€50
Income statement
Code20232024
Turnover70€50k€50k=
Goods, raw materials, services and sundry goods60/61€58k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€6k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€122k€79k▼
Operating profit (loss)9901€104k€69k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€312€2k▲
Recurring financial charges65€312€2k▲
Profit (loss) for the period before taxes9903€105k€71k▼
Income taxes67/77€24k€14k▼
Profit (loss) for the period9904€82k€57k▼
Profit (loss) for the period to be appropriated9905€82k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€88k▼
Profit (loss) brought forward from the previous period14P€9k€31k▲
Profit to be distributed694/7€60k€58k▼
Return on contributions (dividend)694€60k€58k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €118k ▲1653%
Operating result €155k, net result €118k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.65
Current ratio from 0.46 to 1.65.
31-12
Financial
Equity above €100kEq €129k ▲1137%
2 profitable years in a row build equity to €129k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aubange · 1 establishment unit since 2019
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.
Rue du Commerce - ATHUS 176791 Aubange1 establishment unit
ASJ Finances
since 20192.297.985.923
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 36,796 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:anne.sophie.jamotton@icloud.com