BMJ CONSULTING
ActiveBMJ CONSULTING has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €31k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 85% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+7
Solvency100▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 3.26 in 2024; short-term debt: 15.8% and cash: 5.7% of total assets), and 15.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
84.2%
Return on assets
11.9%
Age of the figures
9 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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
21 d late
2023
19 d late
2022
11 d late
2021
28 d late
2020
27 d late
2019
54 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€492k
EBIT margin
-1.1%
Net result
€31k▲ 122%
2024 · €14k
2019: €-4k
2020: €15k
2021: €18k
2022: €22k
2023: €35k
2024: €14k
2019 → 2025
Working capital
€221k▲ 17.2%
2024 · €188k
2019: €87k
2020: €94k
2021: €119k
2022: €136k
2023: €172k
2024: €188k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€142k▲ 18.6%€176k▲ 24.5%€190k▲ 8.0%€222k▲ 16.4%
Operating result€21k-€25k▲ 21.5%€52k▲ 109%€31k▼ 40.3%€50k▲ 61.5%
Net result€18k-€22k▲ 23.4%€35k▲ 56.3%€14k▼ 59.4%€31k▲ 122%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€1k▼ 52.4%
Current assets
€262k▼ 3.4%
Equity and liabilities €263k
Equity
€222k▲ 16.4%
Debt
€42k▼ 50.1%
The debt ratio falls from 30.4% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €34k
Cash flow
€33k▲
2024 · €17k
Solvency
84.2%▲
2024 · 69.6%
Current ratio
6.31▲
2024 · 3.26
Quick ratio
6.31▲
2024 · 3.26
Debt / equity
0.19▼
2024 · 0.44
ROE
14.1%▲
2024 · 7.4%
ROA
11.9%▲
2024 · 5.1%
Interest coverage
5.03▼
2024 · 5.27
Debt
€42k▼
2024 · €83k
Debt ≤ 1 year
€42k▼
2024 · €83k
Income taxes
€9k▼
2024 · €11k
Staff costs
€99k▲
2024 · €76k
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€274k€263k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€795▼
Plant, machinery and equipment23€339€795▲
Furniture and vehicles24€2k€0▼
Financial fixed assets28€220€220=
Current assets29/58€272k€262k▼
Amounts receivable after more than one year29€126k€109k▼
Trade receivables290€126k€109k▼
Amounts receivable within one year40/41€135k€138k▲
Trade receivables40€118k€121k▲
Other amounts receivable41€16k€18k▲
Cash at bank and in hand54/58€11k€15k▲
Equity and liabilities
Total equity and liabilities10/49€274k€263k▼
Equity10/15€190k€222k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€182k€214k▲
Amounts payable17/49€83k€42k▼
Amounts payable within one year42/48€83k€42k▼
Trade debts44€61k€36k▼
Suppliers440/4€61k€36k▼
Taxes, remuneration and social security45€23k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€16k-
Other amounts payable47/48-€25
Income statement
Code20242025
Remuneration, social security and pensions62€76k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€74€210▲
Non-recurring operating charges66A-€314
Gross operating margin9900€110k€152k▲
Operating profit (loss)9901€31k€50k▲
Financial income75/76B€10€1▼
Recurring financial income75€10€1▼
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€25k€40k▲
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€14k€31k▲
Profit (loss) for the period to be appropriated9905€14k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€182k€214k▲
Profit (loss) brought forward from the previous period14P€168k€182k▲
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €222k ▲16.4%
6 profitable years in a row build equity to €222k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2019net €35k ▲56.3%
Operating result €52k, net result €35k, both a record.
31-12
Financial
Equity above €150kEq €176k ▲24.5%
4 profitable years in a row build equity to €176k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Equity above €100kEq €101k ▲16.7%
Equity rises from €87k to €101k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Agatha-Berchem · 1 establishment unit since 2013
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.
Maricollendreef 751082 Sint-Agatha-BerchemGround area
294 m²
Building footprint
121 m²
Volume, LiDAR
1,295 m³
2 parcels, Brussels · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Piersstraat 85, 1080 Sint-Jans-Molenbeek
since 20132.220.496.482
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0051/00G000 | Brussels | 235 m² | 1 · 62 m² | 10.9 m · 3 fl. |
| 21522B0025/00H007 | Brussels | 58 m² | 1 · 59 m² | 15.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,442 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2012
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.