BJT CONSULTING
ActiveBJT CONSULTING has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €182k. Equity is shrinking by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency15▼-13
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.2 in 2024), and 95.3% of the assets are financed with debt.
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
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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
4.7%
Return on assets
54%
Age of the figures
12 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 31545 sector peers (2025).
NBB · sector comparisonPosition among 31545 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-01-2026, 97 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
97 d early
2024
96 d early
2023
99 d early
2022
96 d early
2021
89 d early
2020
73 d early
2019
93 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 72.0%
2024 · €57k
2018: €66k
2019: €107k
2020: €107k
2021: €104k
2022: €82k
2023: €72k
2024: €57k
2018 → 2025
Total assets
€337k▲ 10.5%
2024 · €305k
2018: €78k
2019: €138k
2020: €214k
2021: €216k
2022: €265k
2023: €247k
2024: €305k
2018 → 2025
Net result
€182k▲ 9.6%
2024 · €166k
2018: €20k
2019: €61k
2020: €94k
2021: €98k
2022: €116k
2023: €141k
2024: €166k
2018 → 2025
Working capital
€12k▼ 76.4%
2024 · €49k
2018: €61k
2019: €106k
2020: €76k
2021: €77k
2022: €62k
2023: €59k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€82k▼ 20.9%€72k▼ 11.8%€57k▼ 21.9%€16k▼ 72.0%
Operating result€129k-€147k▲ 14.7%€183k▲ 24.4%€216k▲ 17.6%€239k▲ 10.8%
Net result€98k-€116k▲ 18.3%€141k▲ 22.0%€166k▲ 17.4%€182k▲ 9.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 11% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €337k
Fixed assets
€4k▼ 41.8%
Current assets
€332k▲ 11.7%
Equity and liabilities €337k
Equity
€16k▼ 72.0%
Debt
€321k▲ 29.3%
The debt ratio rises from 81.4% to 95.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€245k▲
2024 · €222k
Cash flow
€188k▲
2024 · €173k
Solvency
4.7%▼
2024 · 18.6%
Current ratio
1.04▼
2024 · 1.20
Quick ratio
1.04▼
2024 · 1.20
Debt / equity
20.24▲
2024 · 4.38
ROA
54.0%▼
2024 · 54.4%
Interest coverage
3987.86▲
2024 · 3895.91
Debt
€321k▲
2024 · €248k
Debt ≤ 1 year
€321k▲
2024 · €248k
Income taxes
€57k▲
2024 · €50k
A ratio outside any meaningful range has been withheld (balance sheet total €337k, equity €16k).
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€305k€337k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€6k€1k▼
Financial fixed assets28€789€789=
Current assets29/58€297k€332k▲
Amounts receivable within one year40/41€14€5k▲
Trade receivables40-€5k
Other amounts receivable41€14-
Cash at bank and in hand54/58€297k€326k▲
Deferred charges and accrued income490/1€682€2k▲
Equity and liabilities
Total equity and liabilities10/49€305k€337k▲
Equity10/15€57k€16k▼
Contributions10/11€3k€3k=
Reserves13€50k€9k▼
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Distributable reserves133€41k-
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€248k€321k▲
Amounts payable within one year42/48€248k€321k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€46k€46k▲
Taxes450/3€46k€46k▲
Other amounts payable47/48€201k€273k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€896€916▲
Gross operating margin9900€223k€246k▲
Operating profit (loss)9901€216k€239k▲
Financial income75/76B€40-
Recurring financial income75€40-
Financial charges65/66B€57€62▲
Recurring financial charges65€57€62▲
Profit (loss) for the period before taxes9903€216k€239k▲
Income taxes67/77€50k€57k▲
Profit (loss) for the period9904€166k€182k▲
Transfer from tax-exempt reserves789€16k-
Profit (loss) for the period to be appropriated9905€182k€182k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€185k=
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer from equity791/2-€41k
Transfer to equity691/2€16k-
To other reserves6921€16k-
Profit to be distributed694/7€166k€223k▲
Return on contributions (dividend)694€166k€223k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €182k ▲9.6%
Operating result €239k, net result €182k, both a record.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €107k ▲62.6%
2 profitable years in a row build equity to €107k.
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chastre · 1 establishment unit since 2014
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 Gréat 321450 ChastreGround area
1,384 m²
Building footprint
215 m²
Volume, LiDAR
1,247 m³
Parcel 25022C0321/00D000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BJT CONSULTING
since 20142.235.632.739
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25022C0321/00D000 | Wallonia | 1,384 m² | 1 · 215 m² | 8.6 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 27,965 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2014
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bjterwagne@gmail.com
Phone:0474/561309