BJConsult
ActiveSummary
BJConsult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €43k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 729 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▲+7
Solvency54▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 3.06 in 2024; short-term debt: 42.9% and cash: 14.8% of total assets), but 70.7% of the assets are financed with debt.
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Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
29.3%
Return on assets
19.6%
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 19-05-2026, 73 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
73 d early
2024
16 d early
2023
2 d early
2022
24 d late
2021
30 d late
2020
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 411%
2024 · €8k
Working capital
€96k▼ 24.1%
2024 · €127k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42k▲ 66.1%€51k▲ 22.3%€49k▼ 4.2%€24k▼ 50.2%€80k▲ 228%
Net result€29k▲ 45.3%€36k▲ 23.0%€37k▲ 4.1%€8k▼ 77.2%€43k▲ 411%
Equity€48k▲ 141%€83k▲ 71.6%€65k▼ 21.9%€65k=€65k=
Total assets€119k▲ 153%€144k▲ 21.2%€208k▲ 44.3%€230k▲ 10.6%€220k▼ 4.3%
Debt€71k▲ 162%€61k▼ 13.2%€143k▲ 134%€139k▼ 2.8%€156k▲ 11.6%
Working capital€36k▲ 98.6%€69k▲ 93.9%€57k▼ 18.0%€127k▲ 124%€96k▼ 24.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 228% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€29k ▼ 28.8%
Current assets
€191k ▲ 1.1%
Equity and liabilities €220k
Equity
€65k =
Provisions
€0 ▼ 100%
Debt
€156k ▲ 11.6%
Debt's share of the balance-sheet total rises from 60.6% to 70.7%. Debt is higher.
Key figures and ratios
EBITDA
€91k▲
2024 · €37k
Cash flow
€55k▲
2024 · €21k
Current ratio
2.02▼
2024 · 3.06
Debt to equity
2.41▲
2024 · 2.16
ROE
67.0%▲
2024 · 13.1%
ROA
19.6%▲
2024 · 3.7%
Interest coverage
2.70▼
2024 · 4.33
Debt ≤ 1 year
€94k▲
2024 · €62k
Debt > 1 year
€61k▼
2024 · €73k
Income taxes
€4k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €7k | €6k | €12k | €12k | ▼ 4.5% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €26k | €-26k | ▼ 200% |
| Other operating charges640/8 | €358 | €351 | €2k | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €48k | €58k | €56k | €63k | €66k | ▲ 4.4% |
| Operating profit (loss)9901 | €42k | €51k | €49k | €24k | €80k | ▲ 228% |
| Financial income75/76B | - | - | €4 | €2k | €2k | ▲ 32.3% |
| Recurring financial income75 | - | - | €4 | €2k | €2k | ▲ 32.3% |
| Financial charges65/66B | €502 | €280 | €1k | €8k | €34k | ▲ 300% |
| Recurring financial charges65 | €502 | €280 | €1k | €8k | €34k | ▲ 300% |
| Profit (loss) for the period before taxes9903 | €41k | €51k | €47k | €17k | €48k | ▲ 176% |
| Income taxes67/77 | €12k | €15k | €10k | €9k | €4k | ▼ 50.0% |
| Profit (loss) for the period9904 | €29k | €36k | €37k | €8k | €43k | ▲ 411% |
| Profit (loss) for the period to be appropriated9905 | €29k | €36k | €37k | €8k | €43k | ▲ 411% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119k | €144k | €208k | €230k | €220k | ▼ 4.3% |
| Formation expenses20 | €769 | €515 | €262 | €8 | - | - |
| Fixed assets21/28 | €27k | €20k | €52k | €41k | €29k | ▼ 28.8% |
| Tangible fixed assets22/27 | €26k | €19k | €51k | €40k | €28k | ▼ 29.6% |
| Furniture and vehicles24 | €26k | €19k | €51k | €40k | €28k | ▼ 29.6% |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €91k | €123k | €155k | €189k | €191k | ▲ 1.1% |
| Amounts receivable within one year40/41 | €81k | €117k | €115k | €127k | €121k | ▼ 4.8% |
| Trade receivables40 | €77k | €95k | €109k | €109k | €109k | = |
| Other amounts receivable41 | €4k | €22k | €6k | €18k | €12k | ▼ 33.6% |
| Current investments50/53 | - | - | €40k | €38k | €36k | ▼ 5.2% |
| Cash at bank and in hand54/58 | €10k | €5k | - | €23k | €33k | ▲ 43.7% |
| Deferred charges and accrued income490/1 | - | €753 | €1k | €928 | €1k | ▲ 24.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119k | €144k | €208k | €230k | €220k | ▼ 4.3% |
| Equity10/15 | €48k | €83k | €65k | €65k | €65k | = |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves13 | €28k | €81k | €63k | €63k | €63k | = |
| Distributable reserves133 | €28k | €81k | €63k | €63k | €63k | = |
| Profit (loss) carried forward14 | €18k | - | - | - | - | - |
| Provisions and deferred taxes16 | - | - | - | €26k | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €26k | - | - |
| Other liabilities and charges164/5 | - | - | - | €26k | - | - |
| Amounts payable17/49 | €71k | €61k | €143k | €139k | €156k | ▲ 11.6% |
| Amounts payable after more than one year17 | €14k | €7k | €44k | €73k | €61k | ▼ 16.3% |
| Financial debts170/4 | €14k | €7k | €44k | €33k | €21k | ▼ 36.2% |
| Other amounts payable178/9 | - | - | - | €40k | €40k | = |
| Amounts payable within one year42/48 | €56k | €54k | €99k | €62k | €94k | ▲ 52.9% |
| Current portion of amounts payable after more than one year42 | €6k | €7k | €11k | €11k | €12k | ▲ 4.2% |
| Financial debts43 | - | - | €6k | €1 | - | - |
| Credit institutions430/8 | - | - | €6k | €1 | - | - |
| Trade debts44 | €8k | €2k | €3k | €2k | €2k | ▲ 6.1% |
| Suppliers440/4 | €8k | €2k | €3k | €2k | €2k | ▲ 6.1% |
| Taxes, remuneration and social security45 | €23k | €29k | €5k | €17k | €6k | ▼ 66.3% |
| Taxes450/3 | €22k | €29k | €5k | €12k | €6k | ▼ 51.0% |
| Remuneration and social security454/9 | €960 | - | €128 | €6k | €48 | ▼ 99.1% |
| Other amounts payable47/48 | €18k | €16k | €74k | €31k | €74k | ▲ 142% |
| Accrued charges and deferred income492/3 | €1k | - | €250 | €5k | €250 | ▼ 94.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29k | €36k | €37k | €8k | €43k | ▲ 411% |
| + Depreciation and write-downs630 | €6k | €7k | €6k | €12k | €12k | ▼ 4.5% |
| Operating cash flow (approximation) | €35k | €43k | €43k | €21k | €55k | ▲ 164% |
| Investment in fixed assets (approximation) | - | €-253 | €-37k | €-1k | €-8 | ▲ 99.4% |
| Change in cash | - | €-5k | - | - | €10k | - |
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
Next filing, fiscal year 2026, expected by
2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2020net €43k ▲411%
Operating result €80k, net result €43k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼77.2%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
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, Gesves · 1 establishment unit since 2019
Ground area
2,505 m²
Building footprint
247 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
BJConsult
since 20192.297.520.917
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92042D0194/00Y025 | Wallonia | 1,670 m² | 1 · 114 m² | - |
| 92042E0395/00M000 | Wallonia | 834 m² | 1 · 133 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500L4OUWV6VJX5W84
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Of 11,571 companies in sector 71121 we hold annual accounts for 6,563. 5,068 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
Founded19-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.