BDJ Consult
ActiveSummary
BDJ Consult has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €70k and a net result of €77k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency73▲+32
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.15 in 2023; short-term debt: 52.5% and cash: 67.2% of total assets), but 52.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
30 d late
2022
59 d late
2021
31 d late
2020
30 d late
2019
62 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€70k▲ 97.8%
2023 · €35k
2018: €27klowest in 7 years
2019: €40k▲ +46.5% vs 2018
2020: €59k▲ +49.0% vs 2019
2021: €46k▼ -22.2% vs 2020
2022: €85k▲ +84.8% vs 2021highest in 7 years
2023: €35k▼ -58.5% vs 2022
2024: €70k▲ +97.8% vs 2023
2018 → 2024
Total assets
€146k▼ 32.9%
2023 · €218k
2018: €158k
2019: €127k▼ -19.4% vs 2018lowest in 7 years
2020: €140k▲ +9.9% vs 2019
2021: €165k▲ +17.7% vs 2020
2022: €135k▼ -18.3% vs 2021
2023: €218k▲ +61.9% vs 2022highest in 7 years
2024: €146k▼ -32.9% vs 2023
2018 → 2024
Net result
€77k▼ 17.1%
2023 · €93k
2018: €67k
2019: €56k▼ -16.7% vs 2018
2020: €62k▲ +12.3% vs 2019
2021: €65k▲ +4.1% vs 2020
2022: €39k▼ -40.1% vs 2021lowest in 7 years
2023: €93k▲ +140% vs 2022highest in 7 years
2024: €77k▼ -17.1% vs 2023
2018 → 2024
Working capital
€61k▲ 130%
2023 · €27k
2018: €3klowest in 7 years
2019: €15k▲ +347% vs 2018
2020: €34k▲ +120% vs 2019
2021: €34k▼ -0.3% vs 2020
2022: €73k▲ +119% vs 2021highest in 7 years
2023: €27k▼ -63.7% vs 2022
2024: €61k▲ +130% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€59k-€46k▼ 22.2%€85k▲ 84.8%€35k▼ 58.5%€70k▲ 97.8%
2020: €59k
2021: €46k▼ -22.2% vs 2020
2022: €85k▲ +84.8% vs 2021highest in 5 years
2023: €35k▼ -58.5% vs 2022lowest in 5 years
2024: €70k▲ +97.8% vs 2023
Operating result€77k-€82k▲ 7.1%€59k▼ 27.9%€119k▲ 100%€96k▼ 19.6%
2020: €77k
2021: €82k▲ +7.1% vs 2020
2022: €59k▼ -27.9% vs 2021lowest in 5 years
2023: €119k▲ +100% vs 2022highest in 5 years
2024: €96k▼ -19.6% vs 2023
Net result€62k-€65k▲ 4.1%€39k▼ 40.1%€93k▲ 140%€77k▼ 17.1%
2020: €62k
2021: €65k▲ +4.1% vs 2020
2022: €39k▼ -40.1% vs 2021lowest in 5 years
2023: €93k▲ +140% vs 2022highest in 5 years
2024: €77k▼ -17.1% vs 2023
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 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €146k
Fixed assets
€8k ▼ 2.4%
Current assets
€138k ▼ 34.2%
Equity and liabilities €146k
Equity
€70k ▲ 97.8%
Debt
€77k ▼ 58.1%
Debt's share of the balance-sheet total falls from 83.9% to 52.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€100k▼
2023 · €123k
Cash flow
€82k▼
2023 · €98k
Current ratio
1.80▲
2023 · 1.15
Debt to equity
1.10▼
2023 · 5.21
ROE
111.3%▼
2023 · 265.7%
ROA
52.9%▲
2023 · 42.8%
Interest coverage
147.04▼
2023 · 238.12
Debt ≤ 1 year
€77k▼
2023 · €183k
Income taxes
€18k▼
2023 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€218k€146k▼
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€2k€5k▲
Current assets29/58€210k€138k▼
Amounts receivable within one year40/41€1k€40k▲
Trade receivables40€0€18k▲
Other amounts receivable41€1k€21k▲
Cash at bank and in hand54/58€209k€98k▼
Equity and liabilities
Total equity and liabilities10/49€218k€146k▼
Equity10/15€35k€70k▲
Contributions10/11€12k€12k=
Reserves13€2k€57k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€55k
Profit (loss) carried forward14€21k€0▼
Amounts payable17/49€183k€77k▼
Amounts payable within one year42/48€183k€77k▼
Current portion of amounts payable after more than one year42-€7k
Financial debts43€7k€0▼
Credit institutions430/8€7k€0▼
Trade debts44€2k€17k▲
Suppliers440/4€2k€17k▲
Taxes, remuneration and social security45€22k€10k▼
Taxes450/3€19k€10k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€152k€43k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8-€2k
Gross operating margin9900€123k€102k▼
Operating profit (loss)9901€119k€96k▼
Financial income75/76B-€646
Recurring financial income75-€646
Financial charges65/66B€517€680▲
Recurring financial charges65€517€680▲
Profit (loss) for the period before taxes9903€118k€96k▼
Income taxes67/77€25k€18k▼
Profit (loss) for the period9904€93k€77k▼
Profit (loss) for the period to be appropriated9905€93k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€164k€98k▼
Profit (loss) brought forward from the previous period14P€70k€21k▼
Transfer to equity691/2-€55k
To other reserves6921-€55k
Profit to be distributed694/7€143k€43k▼
Return on contributions (dividend)694€143k€43k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23k | €13k | €5k | €4k | €4k | ▲ 4.8% |
| Other operating charges640/8 | - | €398 | - | - | €2k | - |
| Gross operating margin9900 | €100k | €96k | €64k | €123k | €102k | ▼ 16.8% |
| Operating profit (loss)9901 | €77k | €82k | €59k | €119k | €96k | ▼ 19.6% |
| Financial income75/76B | - | - | - | - | €646 | - |
| Recurring financial income75 | - | - | - | - | €646 | - |
| Financial charges65/66B | - | €500 | €248 | €517 | €680 | ▲ 31.5% |
| Recurring financial charges65 | €542 | €500 | €248 | €517 | €680 | ▲ 31.5% |
| Profit (loss) for the period before taxes9903 | €76k | €82k | €59k | €118k | €96k | ▼ 19.3% |
| Income taxes67/77 | €14k | €17k | €20k | €25k | €18k | ▼ 27.4% |
| Profit (loss) for the period9904 | €62k | €65k | €39k | €93k | €77k | ▼ 17.1% |
| Profit (loss) for the period to be appropriated9905 | €62k | €65k | €39k | €93k | €77k | ▼ 17.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €140k | €165k | €135k | €218k | €146k | ▼ 32.9% |
| Fixed assets21/28 | €25k | €12k | €12k | €9k | €8k | ▼ 2.4% |
| Tangible fixed assets22/27 | €25k | €12k | €12k | €9k | €8k | ▼ 2.4% |
| Plant, machinery and equipment23 | - | €11k | €9k | €6k | €3k | ▼ 53.2% |
| Furniture and vehicles24 | - | €914 | €3k | €2k | €5k | ▲ 146% |
| Current assets29/58 | €115k | €153k | €123k | €210k | €138k | ▼ 34.2% |
| Amounts receivable within one year40/41 | €6k | €23k | €21k | €1k | €40k | ▲ 3,857% |
| Trade receivables40 | - | €19k | €17k | €0 | €18k | - |
| Other amounts receivable41 | - | €4k | €4k | €1k | €21k | ▲ 2,033% |
| Cash at bank and in hand54/58 | €109k | €130k | €102k | €209k | €98k | ▼ 52.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €140k | €165k | €135k | €218k | €146k | ▼ 32.9% |
| Equity10/15 | €59k | €46k | €85k | €35k | €70k | ▲ 97.8% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | - | €12k | €12k | - | - | - |
| Issued capital100 | - | €19k | €19k | - | - | - |
| Uncalled capital101 | - | €6k | €6k | - | - | - |
| Reserves13 | €2k | €2k | €2k | €2k | €57k | ▲ 2,973% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2k | €2k | = |
| Distributable reserves133 | - | - | - | - | €55k | - |
| Profit (loss) carried forward14 | €45k | €32k | €70k | €21k | €0 | ▼ 100% |
| Amounts payable17/49 | €81k | €119k | €50k | €183k | €77k | ▼ 58.1% |
| Amounts payable within one year42/48 | €81k | €119k | €50k | €183k | €77k | ▼ 58.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €7k | - |
| Financial debts43 | - | €7k | €7k | €7k | €0 | ▼ 100% |
| Credit institutions430/8 | - | €7k | €7k | €7k | €0 | ▼ 100% |
| Trade debts44 | €2k | €2k | €3k | €2k | €17k | ▲ 726% |
| Suppliers440/4 | - | €2k | €3k | €2k | €17k | ▲ 726% |
| Taxes, remuneration and social security45 | - | €19k | €17k | €22k | €10k | ▼ 56.1% |
| Taxes450/3 | - | €19k | €11k | €19k | €10k | ▼ 49.6% |
| Remuneration and social security454/9 | - | - | €6k | €3k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €92k | €24k | €152k | €43k | ▼ 71.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62k | €65k | €39k | €93k | €77k | ▼ 17.1% |
| + Depreciation and write-downs630 | €23k | €13k | €5k | €4k | €4k | ▲ 4.8% |
| Operating cash flow (approximation) | €85k | €78k | €44k | €98k | €82k | ▼ 16.2% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €-1k | €-4k | ▼ 244% |
| Change in cash | - | €21k | €-28k | €107k | €-110k | ▼ 203% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €93k ▲140%
Operating result €119k, net result €93k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €39k ▼40.1%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Overijse · 1 establishment unit since 2012
Ground area
874 m²
Building footprint
199 m²
Volume, LiDAR
1,837 m³
Parcel 23546L0215/00L002, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BDJ Consult
since 20122.212.925.831
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0215/00L002 | Flanders | 874 m² | 1 · 199 m² | 13.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 39,612 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded15-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82100Office administrative and support services
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.