FJH
ActiveSummary
FJH has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €185,868 and a net result of €27,534. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability59▲+4
Solvency84▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 2.41 against 2.69 in 2023; short-term debt: 41.4% of total assets), and 41.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
33 d early
2022
70 d late
2021
5 d early
2020
11 d early
2019
41 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€185,868▲ 4.8%
2023 · €177,350
Total assets
€317,357▲ 12.4%
2023 · €282,261
Net result
€27,534▲ 38.5%
2023 · €19,886
Working capital
€185,868▲ 4.8%
2023 · €177,350
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€26,369▲ 0.2%€45,282▲ 71.7%€21,038▼ 53.5%€26,035▲ 23.8%€33,351▲ 28.1%
Net result€18,597within the sector's middle half▼ 2.2%€33,819within the sector's middle half▲ 81.9%€16,354within the sector's middle half▼ 51.6%€19,886within the sector's middle half▲ 21.6%€27,534within the sector's middle half▲ 38.5%
Equity€132,703within the sector's middle half▲ 16.3%€166,522within the sector's middle half▲ 25.5%€174,153within the sector's middle half▲ 4.6%€177,350within the sector's middle half▲ 1.8%€185,868within the sector's middle half▲ 4.8%
Total assets€181,708within the sector's middle half▲ 5.7%€214,851within the sector's middle half▲ 18.2%€219,019within the sector's middle half▲ 1.9%€282,261within the sector's middle half▲ 28.9%€317,357within the sector's middle half▲ 12.4%
Debt€49,005▼ 15.2%€48,330▼ 1.4%€44,866▼ 7.2%€104,911▲ 134%€131,490▲ 25.3%
Working capital€132,459▲ 17.2%€166,588▲ 25.8%€174,153▲ 4.5%€177,350▲ 1.8%€185,868▲ 4.8%
Solvency73.0%within the sector's middle half▲ 6.7pp77.5%within the sector's middle half▲ 4.5pp79.5%above the sector's middle half▲ 2.0pp62.8%within the sector's middle half▼ 16.7pp58.6%within the sector's middle half▼ 4.3pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 28% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €317,357
Equity
€185,868 ▲ 4.8%
Debt
€131,490 ▲ 25.3%
Debt's share of the balance-sheet total rises from 37.2% to 41.4%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.41▼
2023 · 2.69
Debt to equity
0.71▲
2023 · 0.59
ROE
14.8%▲
2023 · 11.2%
ROA
8.7%▲
2023 · 7.0%
Debt ≤ 1 year
€131,490▲
2023 · €104,911
Income taxes
€13,106▲
2023 · €8,919
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €399 | €343 | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | -€15,277 | - | - | - |
| Other operating charges640/8 | - | €2,556 | €3,396 | €2,552 | €3,032 | ▲ 18.8% |
| Gross operating margin9900 | €30,244 | €48,181 | €9,157 | €28,587 | €36,383 | ▲ 27.3% |
| Operating profit (loss)9901 | €26,369 | €45,282 | €21,038 | €26,035 | €33,351 | ▲ 28.1% |
| Financial income75/76B | - | €4,597 | €5,214 | €5,731 | €13,517 | ▲ 136% |
| Recurring financial income75 | €4,212 | €4,597 | €5,214 | €5,731 | €13,517 | ▲ 136% |
| Financial charges65/66B | - | €2,698 | €2,587 | €2,961 | €6,228 | ▲ 110% |
| Recurring financial charges65 | €3,971 | €2,698 | €2,587 | €2,961 | €6,228 | ▲ 110% |
| Profit (loss) for the period before taxes9903 | €26,611 | €47,181 | €23,666 | €28,805 | €40,640 | ▲ 41.1% |
| Income taxes67/77 | €8,014 | €13,362 | €7,311 | €8,919 | €13,106 | ▲ 47.0% |
| Profit (loss) for the period9904 | €18,597 | €33,819 | €16,354 | €19,886 | €27,534 | ▲ 38.5% |
| Profit (loss) for the period to be appropriated9905 | €18,597 | €33,819 | €16,354 | €19,886 | €27,534 | ▲ 38.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €181,708 | €214,851 | €219,019 | €282,261 | €317,357 | ▲ 12.4% |
| Fixed assets21/28 | €342 | - | - | - | - | - |
| Tangible fixed assets22/27 | €342 | - | - | - | - | - |
| Current assets29/58 | €181,366 | €214,851 | €219,019 | €282,261 | €317,357 | ▲ 12.4% |
| Amounts receivable after more than one year29 | - | €193,162 | €200,046 | €228,925 | €200,000 | ▼ 12.6% |
| Other amounts receivable291 | - | €193,162 | €200,046 | €228,925 | €200,000 | ▼ 12.6% |
| Stocks and contracts in progress3 | €2,737 | €2,737 | - | - | - | - |
| Stocks30/36 | - | €2,737 | - | - | - | - |
| Amounts receivable within one year40/41 | €13,902 | €18,907 | €13,231 | €51,547 | €117,357 | ▲ 128% |
| Trade receivables40 | - | €14,060 | €13,042 | €51,358 | €84,844 | ▲ 65.2% |
| Other amounts receivable41 | - | €4,846 | €189 | €189 | €32,513 | ▲ 17,121% |
| Cash at bank and in hand54/58 | - | - | €5,742 | €66 | - | - |
| Deferred charges and accrued income490/1 | - | €45 | - | €1,723 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €181,708 | €214,851 | €219,019 | €282,261 | €317,357 | ▲ 12.4% |
| Equity10/15 | €132,703 | €166,522 | €174,153 | €177,350 | €185,868 | ▲ 4.8% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €114,111 | €147,930 | €155,561 | €158,758 | €167,276 | ▲ 5.4% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | - | - |
| Distributable reserves133 | - | €146,070 | €153,702 | €156,899 | €167,276 | ▲ 6.6% |
| Amounts payable17/49 | €49,005 | €48,330 | €44,866 | €104,911 | €131,490 | ▲ 25.3% |
| Amounts payable within one year42/48 | €48,906 | €48,264 | €44,866 | €104,911 | €131,490 | ▲ 25.3% |
| Current portion of amounts payable after more than one year42 | - | €15,041 | €7,500 | €7,738 | €7,500 | ▼ 3.1% |
| Financial debts43 | - | €6,036 | €5,944 | €5,163 | €5,530 | ▲ 7.1% |
| Credit institutions430/8 | - | €6,036 | €5,944 | €5,163 | €5,530 | ▲ 7.1% |
| Trade debts44 | €8,424 | €9,460 | €20,014 | €15,335 | €5,903 | ▼ 61.5% |
| Suppliers440/4 | - | €9,460 | €20,014 | €15,335 | €5,903 | ▼ 61.5% |
| Advances received on contracts in progress46 | - | - | - | €50,215 | €78,916 | ▲ 57.2% |
| Taxes, remuneration and social security45 | - | €17,727 | €11,408 | €9,772 | €14,624 | ▲ 49.7% |
| Taxes450/3 | - | €17,727 | €11,408 | €9,772 | €14,624 | ▲ 49.7% |
| Other amounts payable47/48 | - | - | - | €16,689 | €19,016 | ▲ 13.9% |
| Accrued charges and deferred income492/3 | - | €66 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,597 | €33,819 | €16,354 | €19,886 | €27,534 | ▲ 38.5% |
| + Depreciation and write-downs630 | €399 | €343 | - | - | - | - |
| Operating cash flow (approximation) | €18,996 | €34,162 | €16,354 | €19,886 | €27,534 | ▲ 38.5% |
| Change in cash | - | - | - | -€5,676 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €16,354 ▼51.6%
Net result drops to €16,354, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €33,819 ▲81.9%
Operating result €45,282, net result €33,819, both a record.
31-12
Financial
Equity above €150,000Eq €166,522 ▲25.5%
4 profitable years in a row build equity to €166,522.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Equity above €100,000Eq €114,106 ▲20%
2 profitable years in a row build equity to €114,106.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Ranst · 1 establishment unit since 1987
Ground area
269 m²
Building footprint
86 m²
Volume, LiDAR
170 m³
Parcel 11035B0370/00R002, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wijnhandel Helsen
since 19872.020.588.489
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11035B0370/00R002 | Flanders | 269 m² | 1 · 86 m² | 6.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
LAURENT PICARD
BE 0478.209.604
Tenneville · Eq €185,878
AMS
BE 0434.871.388
Lokeren · Eq €185,881
Chantara Analytics
BE 1005.603.057
Mol · Eq €185,881
Conceptance
BE 0808.108.285
Ottignies-Louvain-la-Neuve · Eq €185,852
BEA IMMO & CONSULTANCY
BE 0833.999.565
Heusden-Zolder · Eq €185,886
Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 40,537 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-05-1982
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0422762820
Also
9925:BE0422762820
Registered
01-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.