B2J CONSULTING
ActiveThe computed 12-month bankruptcy probability of B2J CONSULTING is 1.7% (moderate). The 2025 annual accounts show equity of €6k and a net result of €48k. Equity is shrinking by ~52.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 29% of 18237 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
9.6%
Return on assets
75.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-04-2026, 93 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
93 d early
2024
66 d early
2023
120 d early
2022
47 d early
2021
48 d early
2020
66 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▲ 0.3%
2024 · €6k
2020: €49k
2021: €84k
2022: €34k
2023: €6k
2024: €6k
2020 → 2025
Total assets
€64k▼ 13.3%
2024 · €74k
2020: €79k
2021: €105k
2022: €175k
2023: €70k
2024: €74k
2020 → 2025
Net result
€48k▲ 0.2%
2024 · €48k
2020: €43k
2021: €36k
2022: €28k
2023: €25k
2024: €48k
2020 → 2025
Working capital
€-13k▲ 22.1%
2024 · €-16k
2020: €45k
2021: €61k
2022: €-3k
2023: €-13k
2024: €-16k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€34k▼ 59.5%€6k▼ 81.9%€6k▼ 1.0%€6k▲ 0.3%
Operating result€46k-€36k▼ 22.2%€33k▼ 6.3%€61k▲ 81.0%€60k▼ 0.2%
Net result€36k-€28k▼ 22.0%€25k▼ 10.0%€48k▲ 91.5%€48k▲ 0.2%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€19k▼ 15.9%
Current assets
€45k▼ 12.2%
Equity and liabilities €64k
Equity
€6k▲ 0.3%
Debt
€58k▼ 14.6%
The debt ratio falls from 91.7% to 90.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▲
2024 · €64k
Cash flow
€52k▲
2024 · €51k
Solvency
9.6%▲
2024 · 8.3%
Current ratio
0.78▲
2024 · 0.76
Quick ratio
0.78▲
2024 · 0.76
Debt / equity
9.40▼
2024 · 11.03
ROE
782.2%▼
2024 · 783.1%
ROA
75.2%▲
2024 · 65.1%
Interest coverage
445.14▼
2024 · 449.83
Debt
€58k▼
2024 · €68k
Debt ≤ 1 year
€58k▼
2024 · €68k
Income taxes
€13k▲
2024 · €12k
Staff costs
€2k=
2024 · €2k
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€74k€64k▼
Fixed assets21/28€22k€19k▼
Tangible fixed assets22/27€22k€19k▼
Furniture and vehicles24€391€167▼
Other tangible fixed assets26€22k€19k▼
Financial fixed assets28€43€43=
Current assets29/58€51k€45k▼
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40€2k€18k▲
Other amounts receivable41€4k€42▼
Cash at bank and in hand54/58€44k€26k▼
Deferred charges and accrued income490/1€2k€903▼
Equity and liabilities
Total equity and liabilities10/49€74k€64k▼
Equity10/15€6k€6k▲
Contributions10/11€6k€6k=
Reserves13€122€139▲
Distributable reserves133€122€139▲
Amounts payable17/49€68k€58k▼
Amounts payable within one year42/48€68k€58k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€374
Other amounts payable47/48€59k€49k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€242€-42▼
Other operating charges640/8€674€500▼
Gross operating margin9900€67k€66k▼
Operating profit (loss)9901€61k€60k▼
Financial income75/76B€5€566▲
Recurring financial income75€5€566▲
Financial charges65/66B€142€144▲
Recurring financial charges65€142€144▲
Profit (loss) for the period before taxes9903€60k€61k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€48k€48k▲
Profit (loss) for the period to be appropriated9905€48k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€48k▲
Transfer from equity791/2€183-
Transfer to equity691/2€122€17▼
To other reserves6921€122€17▼
Profit to be distributed694/7€48k€48k=
Return on contributions (dividend)694€48k€48k=
The notes to these accounts (5 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €48k ▲0.2%
Net result €48k, the highest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €25k ▼10%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Courcelles · 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 des Genêts 416180 CourcellesGround area
730 m²
Building footprint
177 m²
Volume, LiDAR
801 m³
Parcel 52322A0156/00C003, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B2J Consulting
since 20192.292.386.350
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52322A0156/00C003 | Wallonia | 730 m² | 1 · 177 m² | 5.9 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.
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WEHA
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 724 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2019
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
47420Retail trade
58290Other software publishing
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
61900Telecommunications
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pascal@b2j.be
Phone:+32497892038