BJ Management

Active

Private limited companyfounded 20197 yrs activeRue de Bonsecours 63, 5500 Dinant, BelgiumKBO/BCE: BE 0733.708.196

BJ Management has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

62 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency34▲+2

Growth32=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

Return on assets

37.4%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 17046 sector peers (2025).

NBB · sector comparison

Position among 17046 sector peers

Solvency

better than 14%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-03-2026, 122 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

122 d early

2024

45 d early

2023

48 d early

2022

45 d early

2021

9 d late

2020

24 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€6k=

2024 · €6k

2020: €51k 2021: €73k 2022: €100k 2023: €6k 2024: €6k

2020 → 2025

Total assets

€67k▼ 25.9%

2024 · €90k

2020: €72k 2021: €99k 2022: €133k 2023: €170k 2024: €90k

2020 → 2025

Net result

€25k▼ 35.2%

2024 · €39k

2020: €45k 2021: €23k 2022: €28k 2023: €28k 2024: €39k

2020 → 2025

Working capital

€-30k▼ 180%

2024 · €-11k

2020: €50k 2021: €72k 2022: €88k 2023: €-15k 2024: €-11k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€73k-€100k▲ 37.1%€6k▼ 94.0%€6k=€6k=

Operating result€30k-€35k▲ 19.6%€35k▲ 0.2%€54k▲ 51.4%€36k▼ 32.3%

Net result€23k-€28k▲ 21.6%€28k▼ 0.7%€39k▲ 39.6%€25k▼ 35.2%

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 32% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €67k

53.6%

46.4%

Fixed assets €36k▲ 115%

Current assets €31k▼ 57.8%

Equity and liabilities €67k

91.0%

Equity €6k=

Debt €61k▼ 27.7%

The debt ratio falls from 93.3% to 91.0%. Debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€42k▼

2024 · €54k

Cash flow

€30k▼

2024 · €39k

Solvency

9.0%▲

2024 · 6.7%

Current ratio

0.51▼

2024 · 0.87

Quick ratio

0.51▼

2024 · 0.87

Debt / equity

10.12▼

2024 · 14.00

ROE

415.6%▼

2024 · 641.8%

ROA

37.4%▼

2024 · 42.8%

Interest coverage

522.16▼

2024 · 643.90

Debt

€61k▼

2024 · €84k

Debt ≤ 1 year

€61k▼

2024 · €84k

Income taxes

€11k▼

2024 · €15k

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€90k€67k▼

Fixed assets21/28€17k€36k▲

Tangible fixed assets22/27€2k€36k▲

Furniture and vehicles24€1k€7k▲

Other tangible fixed assets26€625€29k▲

Financial fixed assets28€15k-

Current assets29/58€73k€31k▼

Amounts receivable within one year40/41€2k€20k▲

Trade receivables40€2k€3k▲

Other amounts receivable41-€17k

Cash at bank and in hand54/58€71k€11k▼

Deferred charges and accrued income490/1€281€292▲

Equity and liabilities

Total equity and liabilities10/49€90k€67k▼

Equity10/15€6k€6k=

Contributions10/11€6k€6k=

Amounts payable17/49€84k€61k▼

Amounts payable within one year42/48€84k€61k▼

Trade debts44€973€663▼

Suppliers440/4€973€663▼

Taxes, remuneration and social security45€35k€28k▼

Taxes450/3€14k€12k▼

Remuneration and social security454/9€21k€16k▼

Other amounts payable47/48€48k€32k▼

Income statement Code20242025

Remuneration, social security and pensions62€2k€2k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€458€5k▲

Other operating charges640/8€387€400▲

Gross operating margin9900€56k€44k▼

Operating profit (loss)9901€54k€36k▼

Financial income75/76B€32-

Recurring financial income75€32-

Financial charges65/66B€84€80▼

Recurring financial charges65€84€80▼

Profit (loss) for the period before taxes9903€54k€36k▼

Income taxes67/77€15k€11k▼

Profit (loss) for the period9904€39k€25k▼

Profit (loss) for the period to be appropriated9905€39k€25k▼

Appropriation of the result

Profit (loss) to be appropriated9906€39k€25k▼

Profit to be distributed694/7€39k€25k▼

Return on contributions (dividend)694€39k€25k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 1Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

16-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

13-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

16-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

09-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 9 days late

2021

31-12

Financial Weakest financial yearnet €23k ▼49.7%

Net result drops to €23k, the lowest in the series; recovery starts the following year.

07-07

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, Dinant · 1 establishment unit since 2019

establishment The establishment unit on the map

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 de Bonsecours 635500 Dinant

Ground area

3,857 m²

Building footprint

248 m²

Volume, LiDAR

1,772 m³

Parcel 91034E0702/00T003, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

BJ Management

Rue de Bonsecours 63, 5500 DinantComputer programming, consultancy and related activities

since 20192.293.852.634

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
91034E0702/00T003	Wallonia	3,857 m²	1 · 248 m²	9.6 m · 3 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.

Similar companies · same sector, comparable size

Sint-Katelijne-Waver · Eq €6k

Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 6,918 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-09-2019

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.