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FJ Conseils

Active
Private limited companyfounded 20178 yrs activeLied Van Sotternieënlaan 19, 1050 Elsene, BelgiumKBO/BCE: BE 0686.894.414
Summary

FJ Conseils has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,390 and a net result of -€2,474. Equity is shrinking by ~27% per year across the filed fiscal years. Its solvency ranks better than 95% of 20884 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Risk analysisWatch ReportCompare
FJ ConseilsActiveChecked score 63/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
Size
€47,660total assets 2025
Equity
€47,390
Loss
-€2,474
Turnover not published (abridged schema)
Financial health
63 Healthy Checked score 2025
Bankruptcy chance 12 m
1.5%
Structure
Accounts filed 61 d late0 of 5 deeds read
Why 63- 1 change of registered office in 24 months- Latest accounts 61 days late; 3 of the last 3 late- No establishment unit in the KBO+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 43% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+61
equity 99.4% of total assets
Liquidity 56+3
short-term debt 0.6% · cash 4.8%
Profitability 25-12
return on assets -5.2%
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,833 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.2%▲ +151% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▼ -1.2% vs 02-2025 04-2025: 0.2%▲ +0.6% vs 03-2025 05-2025: 0.2%▲ +0.6% vs 04-2025 06-2025: 0.2%▲ +4.2% vs 05-2025 07-2025: 0.2%▲ +6.3% vs 06-2025 08-2025: 0.4%▲ +116% vs 07-2025 09-2025: 0.6%▲ +41.9% vs 08-2025 10-2025: 1.2%▲ +116% vs 09-2025 11-2025: 0.8%▼ -38.3% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.7%▼ -13.6% vs 12-2025 02-2026: 0.7%▲ +5.0% vs 01-2026 03-2026: 0.7%▼ -1.0% vs 02-2026 04-2026: 0.7%▼ -1.0% vs 03-2026 05-2026: 0.7%▲ +1.6% vs 04-2026 06-2026: 0.7%▼ -3.2% vs 05-2026 07-2026: 0.7%▲ +2.0% vs 06-2026 08-2026: 1.1%▲ +64.0% vs 07-2026 09-2026: 1.5%▲ +30.9% vs 08-2026 10-2026: 1.5%▲ +2.5% vs 09-2026highest value
  • 1 change of registered office in 24 months raises the probability
  • Latest accounts 61 days late; 3 of the last 3 late raises the probability
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • No establishment unit in the KBO raises the probability
Credit up to €2,500 at 30 days acceptable
short-term debt: 0.6% and cash: 4.8% of total assets, and 0.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 85%, liquidity 38%, profitability 16%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Latest accounts 61 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · No establishment unit in the KBO
In the bankruptcy model this factor raises the probability.
KBO · seat and establishments
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filings
Deviation from the deadline
2025
61 d late
2024
60 d late
2023
61 d late
2022
72 d late
2021
90 d late
2020
91 d late
2019
61 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 71 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

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. Usually files around 1 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€2,474
  3. Liquidity times 151current ratio 176.28

Key points

  • Risk: 6 loss-making years in a rowloss fiscal year 2025 -€2,474 View
  • Positive: Among the best 5% on solvencysector median 60.3% · 20,884 companies 99.4% View
  • Caution: Latest accounts filed lateafter the legal deadline 61 d View

By topic

Financials

Fiscal year
2025
Total assets
€47,660
Loss
-€2,474
Solvency
99.4%
Total assets▼ 86.4%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2018
Next accounts
by 31-07-2027
  1. 30-09-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 31-12-2025Liquidity times 151
Go to Timeline

Company details

Legal form
Private limited company
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
28-12-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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