CJR Consult
ActiveCJR Consult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €250k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 11% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency14▼-85
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 2.65 in 2024), and 96.7% 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 →
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
3.3%
Return on assets
39.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 11%
← weakest
strongest →
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 16-04-2026, 106 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
106 d early
2024
56 d early
2023
62 d early
2022
58 d early
2021
57 d early
2020
40 d early
2019
53 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 95.1%
2024 · €434k
2019: €119k
2020: €170k
2021: €236k
2022: €302k
2023: €319k
2024: €434k
2019 → 2025
Total assets
€636k▼ 8.8%
2024 · €697k
2019: €221k
2020: €270k
2021: €333k
2022: €442k
2023: €495k
2024: €697k
2019 → 2025
Net result
€250k▼ 20.5%
2024 · €315k
2019: €99k
2020: €51k
2021: €66k
2022: €184k
2023: €227k
2024: €315k
2019 → 2025
Working capital
€21k▼ 95.1%
2024 · €434k
2019: €105k
2020: €156k
2021: €230k
2022: €300k
2023: €318k
2024: €434k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€302k▲ 28.0%€319k▲ 5.7%€434k▲ 36.0%€21k▼ 95.1%
Operating result€86k-€240k▲ 180%€299k▲ 24.6%€411k▲ 37.7%€325k▼ 20.9%
Net result€66k-€184k▲ 176%€227k▲ 23.8%€315k▲ 38.6%€250k▼ 20.5%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €636k
Equity
€21k▼ 95.1%
Debt
€615k▲ 134%
The debt ratio rises from 37.7% to 96.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€325k▼
2024 · €412k
Cash flow
€250k▼
2024 · €316k
Solvency
3.3%▼
2024 · 62.3%
Current ratio
1.03▼
2024 · 2.65
Quick ratio
1.03▼
2024 · 2.65
Debt / equity
29.10▲
2024 · 0.61
ROA
39.3%▼
2024 · 45.2%
Interest coverage
184.92▼
2024 · 384.76
Debt
€615k▲
2024 · €263k
Debt ≤ 1 year
€615k▲
2024 · €263k
Income taxes
€77k▼
2024 · €103k
A ratio outside any meaningful range has been withheld (balance sheet total €636k, equity €21k).
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€697k€636k▼
Current assets29/58€697k€636k▼
Amounts receivable within one year40/41€88k€30k▼
Trade receivables40€88k€30k▼
Current investments50/53€201k-
Cash at bank and in hand54/58€398k€600k▲
Deferred charges and accrued income490/1€11k€6k▼
Equity and liabilities
Total equity and liabilities10/49€697k€636k▼
Equity10/15€434k€21k▼
Contributions10/11€20k€20k=
Reserves13€414k€1k▼
Distributable reserves133€414k€1k▼
Amounts payable17/49€263k€615k▲
Amounts payable within one year42/48€263k€615k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€59k€76k▲
Taxes450/3€59k€76k▲
Other amounts payable47/48€202k€539k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€860€0▼
Other operating charges640/8€969€925▼
Gross operating margin9900€413k€326k▼
Operating profit (loss)9901€411k€325k▼
Financial income75/76B€8k€4k▼
Recurring financial income75€8k€4k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€418k€328k▼
Income taxes67/77€103k€77k▼
Profit (loss) for the period9904€315k€250k▼
Profit (loss) for the period to be appropriated9905€315k€250k▼
Appropriation of the result
Profit (loss) to be appropriated9906€315k€250k▼
Transfer from equity791/2-€414k
Transfer to equity691/2€115k€327▼
To other reserves6921€115k€327▼
Profit to be distributed694/7€200k€664k▲
Return on contributions (dividend)694€200k€664k▲
The notes to these accounts (3 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €315k ▲38.6%
Operating result €411k, net result €315k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €236k ▲39.2%
3 profitable years in a row build equity to €236k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €51k ▼48.2%
Net result drops to €51k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €170k ▲43.1%
2 profitable years in a row build equity to €170k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Herve · 1 establishment unit since 2019
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 des Berlaines 264651 HerveGround area
1,487 m²
Building footprint
267 m²
Volume, LiDAR
1,641 m³
Parcel 63006D0290/00W004, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CJR Consult
since 20192.287.785.481
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006D0290/00W004 | Wallonia | 1,487 m² | 1 · 267 m² | 7.4 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 82,201 companies in sector 70200 we hold annual accounts for 52,400. 31,069 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.