BJJM CONSULT
ActiveBJJM CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €8k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-9
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.83 against 4.59 in 2023; short-term debt: 20.5% and cash: 92.6% of total assets), and 20.5% of the assets are financed with debt.
Credit advice 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €65k
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 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
36 d early
2022
19 d early
2021
20 d early
2020
31 d late
2019
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€65k▲ 5.5%
2023 · €62k
2018: €100k
2019: €96k
2020: €76k
2021: €72k
2022: €51k
2023: €62k
2018 → 2024
Total assets
€82k▲ 4.4%
2023 · €78k
2018: €111k
2019: €122k
2020: €109k
2021: €83k
2022: €84k
2023: €78k
2018 → 2024
Net result
€8k▼ 30.2%
2023 · €11k
2018: €4k
2019: €-4k
2020: €-20k
2021: €-4k
2022: €-4k
2023: €11k
2018 → 2024
Working capital
€64k▲ 6.8%
2023 · €60k
2018: €99k
2019: €93k
2020: €75k
2021: €71k
2022: €50k
2023: €60k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€76k-€72k▼ 6.0%€51k▼ 28.8%€62k▲ 20.7%€65k▲ 5.5%
Operating result€-17k-€-4k▲ 76.5%€-4k▼ 14.5%€13k€14k▲ 10.4%
Net result€-20k-€-4k▲ 81.5%€-4k▲ 0.5%€11k€8k▼ 30.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €82k
Fixed assets
€891▼ 44.0%
Current assets
€81k▲ 5.4%
Equity and liabilities €82k
Equity
€65k▲ 5.5%
Debt
€17k▲ 0.1%
The debt ratio falls from 21.4% to 20.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2023 · €13k
Cash flow
€8k▼
2023 · €12k
Solvency
79.5%▲
2023 · 78.6%
Current ratio
4.83▲
2023 · 4.59
Quick ratio
4.83▲
2023 · 4.59
Debt / equity
0.26▼
2023 · 0.27
ROE
12.2%▼
2023 · 18.4%
ROA
9.7%▼
2023 · 14.5%
Interest coverage
5.72▼
2023 · 6.54
Debt
€17k▲
2023 · €17k
Debt ≤ 1 year
€17k▲
2023 · €17k
Income taxes
€2k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€78k€82k▲
Fixed assets21/28€2k€891▼
Tangible fixed assets22/27€2k€891▼
Furniture and vehicles24€2k€891▼
Current assets29/58€77k€81k▲
Amounts receivable within one year40/41€49k€4k▼
Trade receivables40€3k€4k▲
Other amounts receivable41€46k€193▼
Cash at bank and in hand54/58€27k€76k▲
Deferred charges and accrued income490/1€524€798▲
Equity and liabilities
Total equity and liabilities10/49€78k€82k▲
Equity10/15€62k€65k▲
Contributions10/11€12k€12k=
Reserves13€17k€21k▲
Distributable reserves133€17k€21k▲
Profit (loss) carried forward14€32k€31k▼
Amounts payable17/49€17k€17k▲
Amounts payable within one year42/48€17k€17k▲
Trade debts44€2k€171▼
Suppliers440/4€2k€171▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€13k€13k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€299€255▼
Other operating charges640/8€268€283▲
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€13k€14k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€13k€10k▼
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€11k€8k▼
Profit (loss) for the period to be appropriated9905€11k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€40k▼
Profit (loss) brought forward from the previous period14P€33k€32k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€11k€8k▼
To other reserves6921€11k€8k▼
Profit to be distributed694/7€800€5k▲
Return on contributions (dividend)694€800€5k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after 4 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 7.33
Current ratio from 3.25 to 7.33; short-term debt falls from €33k to €11k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, La Hulpe
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 Clément Delpierre 91310 La HulpeGround area
1,884 m²
Building footprint
148 m²
Volume, LiDAR
1,027 m³
Parcel 25050D0173/00K003, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050D0173/00K003 | Wallonia | 1,884 m² | 1 · 148 m² | 9.9 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.
Similar companies · same sector, comparable size
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MATTHIEU BEAUVOIS AVOCAT
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Advocaat Alexine Maieur
BE 1000.335.165
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Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 7,406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2004
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.