FMJ Consult
ActiveFMJ Consult has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €25k. Its solvency ranks better than 91% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Stability82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 11.93 against 13.5 in 2024), and 7.1% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
92.9%
Return on assets
38.6%
Age of the figures
8 mo
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 · 2 filingsDeviation from the deadline
2025
4 d early
2024
2 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 66.3%
2024 · €36k
2024: €36k
2024 → 2025
Total assets
€64k▲ 66.7%
2024 · €39k
2024: €39k
2024 → 2025
Net result
€25k▼ 26.8%
2024 · €34k
2024: €34k
2024 → 2025
Working capital
€50k▲ 50.9%
2024 · €33k
2024: €33k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€36k-€60k▲ 66.3%
Operating result€43k-€33k▼ 23.4%
Net result€34k-€25k▼ 26.8%
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€10k▲ 245%
Current assets
€54k▲ 52.5%
Equity and liabilities €64k
Equity
€60k▲ 66.3%
Debt
€5k▲ 72.5%
The debt ratio rises from 6.9% to 7.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€37k▼
2024 · €46k
Cash flow
€29k▼
2024 · €37k
Solvency
92.9%▼
2024 · 93.1%
Current ratio
11.93▼
2024 · 13.50
Quick ratio
11.93▼
2024 · 13.50
Debt / equity
0.08▲
2024 · 0.07
ROE
41.5%▼
2024 · 94.4%
ROA
38.6%▼
2024 · 88.0%
Interest coverage
2663.43▲
2024 · 2630.59
Debt
€5k▲
2024 · €3k
Debt ≤ 1 year
€5k▲
2024 · €3k
Income taxes
€9k▼
2024 · €9k
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€39k€64k▲
Fixed assets21/28€3k€10k▲
Tangible fixed assets22/27€3k€10k▲
Furniture and vehicles24€3k€10k▲
Current assets29/58€36k€54k▲
Amounts receivable within one year40/41€11k€11k▲
Trade receivables40€10k€10k▼
Other amounts receivable41€301€902▲
Cash at bank and in hand54/58€25k€44k▲
Equity and liabilities
Total equity and liabilities10/49€39k€64k▲
Equity10/15€36k€60k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€33k€57k▲
Amounts payable17/49€3k€5k▲
Amounts payable within one year42/48€3k€5k▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€600▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€3k€352▼
Gross operating margin9900€49k€38k▼
Operating profit (loss)9901€43k€33k▼
Financial income75/76B€5€286▲
Recurring financial income75€5€286▲
Financial charges65/66B€18€14▼
Recurring financial charges65€18€14▼
Profit (loss) for the period before taxes9903€43k€33k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€34k€25k▼
Profit (loss) for the period to be appropriated9905€34k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€58k▲
Profit (loss) brought forward from the previous period14P-€33k
Profit to be distributed694/7€1k€1k=
Return on contributions (dividend)694€1k€1k=
The notes to these accounts (5 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 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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-Gillis (bij-Brussel) · 1 establishment unit since 2024
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.
Ducpétiauxlaan 371060 Sint-Gillis (bij-Brussel)Ground area
119 m²
Building footprint
119 m²
Volume, LiDAR
2,062 m³
Parcel 21013B0384/00G004, Brussels · tallest building 19.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FMJ Consult
since 20242.356.857.005
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0384/00G004 | Brussels | 119 m² | 1 · 119 m² | 19.1 m · 6 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47632Retail sale of bicycles
47785Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:f.mockel@hotmail.com