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Generated 02-08-2026
Active BE 0432.266.543Public limited company

B.J.D.

Klaverbladstraat 22 ·3560 Lummen, Belgium· 38 yrs active
Sector: Head offices & management consulting (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of B.J.D. is 0.1% (very low). The 2024 annual accounts show equity of €416k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 95% of 12445 sector peers (fiscal year 2024). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €416k
Net result €-2k
Better than sector 95%
Active 38 yrs
Snowflake analysis 5 axes · computed by Checked
Health78Profitability0Solvency100Growth52Stability100
66 / 100

Strong profile, led by solvency.

Health 78
Profitability 0
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1987, 38 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
78 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 19-06-2025 with the NBB · fiscal year 2024 · micro
€-20k€0€20kOperating result 2020: €27k€27kNet result 2020: €30k€30kOperating result 2021: €17k€17kNet result 2021: €11k€11kOperating result 2022: €2k€2kNet result 2022: €750€750Operating result 2023: €-16k€-16kNet result 2023: €-10k€-10kOperating result 2024: €-6k€-6kNet result 2024: €-2k€-2k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±1.9%/year).
€350k€400k€450k€500k2025: €434k (€401k - €467k)2026: €442k (€390k - €494k)2027: €450k (€379k - €521k)2018: €352k2019: €386k2020: €416k2021: €427k2022: €428k2023: €418k2024: €416k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 99.9% 60.6%
better than 95% of 12445 sector peers
Net result €-2k €31k
better than 13% of 12447 sector peers
Equity €416k €63k
better than 95% of 12453 sector peers
Gross operating margin €22k €52k
better than 27% of 12433 sector peers
Total assets €417k €124k
better than 86% of 12446 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€19k
+294.5% +45% vs sector
Net profit
€-2k
+82.0% far below sector median
Cash flow
€23k
+126.3% +250% vs sector
Total assets
€417k
-0.7% +185% vs sector
Equity
€416k
-0.4% +217% vs sector
Working capital
€128k
-33.8% +111% vs sector
Income taxes
€304
+39.1% -88% vs sector
Debt
€367
-74.2% -97% vs sector
Debt ≤ 1y
€367
-74.2% -97% vs sector
Current ratio
350.64
+155.4% far above sector median
Quick ratio
350.64
+155.4% far above sector median
Solvency
99.9%
+0.3% +10% vs sector
Debt / equity
0.00
-74.1% -99% vs sector
ROE
-0.4%
+81.9% far below sector median
ROA
-0.4%
+81.9% far below sector median
Interest coverage
144.21
+397.1% far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€19k
Net profit€-2k
Cash flow€23k
Staff costs-
Income taxes€304
Dividends-
Total assets€417k
Equity€416k
Debt€367
of which ≤ 1y€367
of which > 1y-
Working capital€128k
Employees (FTE)-
Ratios (computed)
2024
Current ratio350.64
Quick ratio350.64
Working capital ratio30.8%
Solvency99.9%
Debt / equity0.00
Long-term debt ratio-
Interest coverage144.21
Gross margin-
Net margin-
ROA-0.4%
ROE-0.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€417k
Fixed assets 21/28€288k
Tangible fixed assets 22/27€288k
Current assets 29/58€129k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€107k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€417k
Equity 10/15€416k
Contributions / capital 10/11€31k
Reserves 13€385k
Amounts payable 17/49€367
Amounts payable within one year 42/48€367
Trade debts payable within one year 44€63
Income statement
Gross operating margin 9900€22k
Operating result 9901€-6k
Financial income 75€5k
Financial charges 65€131
Result before taxes 9903€-1k
Income taxes 67/77€304
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Head offices & management consulting(70200)
Legal form Public limited company(014)
Incorporation16-10-1987
StatusActive
Postal code3560
Establishment units 1 location
NV B.J.D.
Naamsesteenweg 141, 3800 Sint-Truidenhet invullen van aangifteformulieren voor de loon- en inkomstenbelasting voor particulieren en bedrijven
since 19872.031.112.593
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71542B0632/00Y000 Flanders 1,739 m² 1 · 882 m² 8.7 m · 2 fl.
71353E0186/00P000 Flanders 1,474 m² 1 · 373 m² 16.9 m · 4 fl.
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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
06-08-2025
State Gazette act Director changes
Emmanuel BEELEN
19-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
25-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
24-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
28-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
21-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
29-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
24-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
06-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
19-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
06-08-2025 3 directors appointed, 1 reappointed Director changes·Emmanuel BEELEN
  • JACOBS Willy Joseph Elisabeth, Bestuurder
  • BIESTERVELD Vivien Janine, Bestuurder
  • JACOBS Greet Hilde Pieter, Bestuurder
  • JACOBS Willy Joseph Elisabeth, Gedelegeerd bestuurder
Notary: Emmanuel BEELEN · Herk-de-Stad
Technical details 
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  "act_meta": {
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  "decisions": [
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      "body": "buitengewone_algemene_vergadering",
      "date": "2025-05-26",
      "unanimous": true
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  "co_filed_documents": [
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    "verslag van de bestuurders",
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  "corrected_publication_numac": null
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
Legal nameNL B.J.D.
Registered office
Klaverbladstraat 22
3560 Lummen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative