BJ CONSEILS
ActiveSummary
For BJ CONSEILS, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €156k and a net result of €95k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 34209 sector peers (fiscal year 2023). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2021
Profitability100▲+56
Solvency100▲+55
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2023Solvency, return and age of the figures
Solvency
84.6%
Return on assets
51.7%
Age of the figures
39 mo
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 · Two or more financial years not filed
Since the financial year that closed on 30-06-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 5 filingsPosition against the passed deadline
30-06-2024 close31-01-2025 deadline25-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 06-02-2024, 6 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 · 5 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
6 d late
2021
98 d late
2019
7 d late
2018
28 d late
2016
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Equity
€156k▲ 108%
2021 · €75k
2019: €69klowest value
2021: €75k
2023: €156khighest value
2019 → 2023
Total assets
€184k▼ 51.3%
2021 · €378k
2019: €406khighest value
2021: €378k
2023: €184klowest value
2019 → 2023
Net result
€95k▲ 1,458%
2021 · €6k
2019: €-85lowest value
2021: €6k
2023: €95khighest value
2019 → 2023
Working capital
€174k
2021 · €-17k
2019: €-26klowest value
2021: €-17k
2023: €174khighest value
2019 → 2023
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201920212023Trend
Equity€69k-€75k▲ 9.4%€156k▲ 108%
2019: €69klowest value
2021: €75k
2023: €156khighest value
Operating result€13k-€18k▲ 35.5%€121k▲ 569%
2019: €13klowest value
2021: €18k
2023: €121khighest value
Net result€-85-€6k€95k▲ 1,458%
2019: €-85lowest value
2021: €6k
2023: €95khighest value
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €121k in 2023, compared with €18k in 2021. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2023 in colour, 2021 as the grey bar beneath
Assets €184k
Fixed assets
€250 ▼ 99.9%
Current assets
€184k ▲ 499%
Equity and liabilities €184k
Equity
€156k ▲ 108%
Provisions
€18k
Debt
€10k ▼ 96.7%
Debt's share of the balance-sheet total falls from 80.2% to 5.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▲
2021 · €33k
Cash flow
€96k▲
2021 · €21k
Current ratio
18.66▲
2021 · 0.64
Debt to equity
0.06▼
2021 · 4.04
ROE
61.1%▲
2021 · 8.1%
ROA
51.7%▲
2021 · 1.6%
Interest coverage
15.54▲
2021 · 2.84
Debt ≤ 1 year
€10k▼
2021 · €48k
Income taxes
€118▼
2021 · €346
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 · 2023 against 2021 · 47 lines
Balance sheet
Code20212023
Assets
Total assets20/58€378k€184k▼
Fixed assets21/28€347k€250▼
Tangible fixed assets22/27€347k-
Land and buildings22€346k-
Furniture and vehicles24€1k-
Financial fixed assets28€250€250=
Current assets29/58€31k€184k▲
Amounts receivable within one year40/41€30k€14k▼
Trade receivables40€30k€14k▼
Cash at bank and in hand54/58€299€160k▲
Deferred charges and accrued income490/1-€10k
Equity and liabilities
Total equity and liabilities10/49€378k€184k▼
Equity10/15€75k€156k▲
Contributions10/11€100k€100k=
Capital10€100k-
Issued capital100€100k-
Reserves13-€55k
Tax-exempt reserves132-€55k
Profit (loss) carried forward14€-25k€621▲
Provisions and deferred taxes16-€18k
Deferred taxes168-€18k
Amounts payable17/49€303k€10k▼
Amounts payable after more than one year17€241k-
Financial debts170/4€241k-
Amounts payable within one year42/48€48k€10k▼
Current portion of amounts payable after more than one year42€19k-
Trade debts44€960€38▼
Suppliers440/4€960€38▼
Taxes, remuneration and social security45€15k€76▼
Taxes450/3€15k€76▼
Other amounts payable47/48€13k€10k▼
Accrued charges and deferred income492/3€14k€233▼
Income statement
Code20212023
Non-recurring operating income76A-€73k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€413▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€34k€124k▲
Operating profit (loss)9901€18k€121k▲
Financial charges65/66B€12k€8k▼
Recurring financial charges65€12k€8k▼
Profit (loss) for the period before taxes9903€6k€114k▲
Transfer to deferred taxes680-€18k
Income taxes67/77€346€118▼
Profit (loss) for the period9904€6k€95k▲
Transfer to tax-exempt reserves689-€55k
Profit (loss) for the period to be appropriated9905€6k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€621▲
Profit (loss) brought forward from the previous period14P€-31k€-40k▼
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 | 2019 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €73k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €15k | €413 | - |
| Other operating charges640/8 | - | €1k | €2k | - |
| Gross operating margin9900 | €31k | €34k | €124k | - |
| Operating profit (loss)9901 | €13k | €18k | €121k | - |
| Financial charges65/66B | - | €12k | €8k | - |
| Recurring financial charges65 | €13k | €12k | €8k | - |
| Profit (loss) for the period before taxes9903 | €272 | €6k | €114k | - |
| Transfer to deferred taxes680 | - | - | €18k | - |
| Income taxes67/77 | €358 | €346 | €118 | - |
| Profit (loss) for the period9904 | €-85 | €6k | €95k | - |
| Transfer to tax-exempt reserves689 | - | - | €55k | - |
| Profit (loss) for the period to be appropriated9905 | €-85 | €6k | €40k | - |
| Line | 2019 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €406k | €378k | €184k | - |
| Fixed assets21/28 | €376k | €347k | €250 | - |
| Tangible fixed assets22/27 | €376k | €347k | - | - |
| Land and buildings22 | - | €346k | - | - |
| Furniture and vehicles24 | - | €1k | - | - |
| Financial fixed assets28 | €250 | €250 | €250 | - |
| Current assets29/58 | €30k | €31k | €184k | - |
| Amounts receivable within one year40/41 | €30k | €30k | €14k | - |
| Trade receivables40 | - | €30k | €14k | - |
| Cash at bank and in hand54/58 | €122 | €299 | €160k | - |
| Deferred charges and accrued income490/1 | - | - | €10k | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €406k | €378k | €184k | - |
| Equity10/15 | €69k | €75k | €156k | - |
| Contributions10/11 | €100k | €100k | €100k | - |
| Capital10 | - | €100k | - | - |
| Issued capital100 | - | €100k | - | - |
| Reserves13 | - | - | €55k | - |
| Tax-exempt reserves132 | - | - | €55k | - |
| Profit (loss) carried forward14 | €-31k | €-25k | €621 | - |
| Provisions and deferred taxes16 | - | - | €18k | - |
| Deferred taxes168 | - | - | €18k | - |
| Amounts payable17/49 | €337k | €303k | €10k | - |
| Amounts payable after more than one year17 | €276k | €241k | - | - |
| Financial debts170/4 | - | €241k | - | - |
| Amounts payable within one year42/48 | €56k | €48k | €10k | - |
| Current portion of amounts payable after more than one year42 | - | €19k | - | - |
| Trade debts44 | €5k | €960 | €38 | - |
| Suppliers440/4 | - | €960 | €38 | - |
| Taxes, remuneration and social security45 | - | €15k | €76 | - |
| Taxes450/3 | - | €15k | €76 | - |
| Other amounts payable47/48 | - | €13k | €10k | - |
| Accrued charges and deferred income492/3 | - | €14k | €233 | - |
| Line | 2019 | 2021 | 2023 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-85 | €6k | €95k | - |
| + Depreciation and write-downs630 | €16k | €15k | €413 | - |
| Operating cash flow (approximation) | €16k | €21k | €96k | - |
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
2024
06-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
30-06
Financial
Highest result since 2019net €95k ▲1,458%
Operating result €121k, net result €95k, both a record.
30-06
Financial
Liquidity times 29current ratio 18.66
Current ratio from 0.64 to 18.66; short-term debt falls from €48k to €10k.
30-06
Financial
Equity above €150kEq €156k ▲108%
2 profitable years in a row build equity to €156k.
2022
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 98 days late
2021
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2020
07-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2017
20-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2019
Ground area
4,959 m²
Building footprint
1,184 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
BJ CONSEILS
since 20192.285.558.837
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039B0014/00Y012indicative | Wallonia | 3,340 m² | 1 · 222 m² | - |
| 92039B0052/00A000 | Wallonia | 1,619 m² | 1 · 962 m² | - |
Linked by address, not proof of ownership
Good to know
1 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
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,770 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)
Founded07-11-2013
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.