J & J CONSULT
ActiveJ & J CONSULT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €249k and a net result of €-34k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-17
Solvency77▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.51 against 1.12 in 2024; short-term debt: 21% and cash: 0.4% of total assets), and 48.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-34k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
14 d early
2022
8 d late
2021
25 d early
2020
2 d early
2019
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€249k▼ 12.1%
2024 · €283k
2018: €51k
2019: €78k
2020: €131k
2021: €167k
2022: €257k
2023: €394k
2024: €283k
2018 → 2025
Total assets
€480k▼ 29.0%
2024 · €676k
2018: €634k
2019: €641k
2020: €632k
2021: €603k
2022: €632k
2023: €744k
2024: €676k
2018 → 2025
Net result
€-34k▼ 185%
2024 · €-12k
2018: €-9k
2019: €28k
2020: €52k
2021: €37k
2022: €89k
2023: €137k
2024: €-12k
2018 → 2025
Working capital
€-49k
2024 · €24k
2018: €-58k
2019: €-52k
2020: €-36k
2021: €-18k
2022: €53k
2023: €141k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€257k▲ 53.5%€394k▲ 53.6%€283k▼ 28.2%€249k▼ 12.1%
Operating result€69k-€131k▲ 90.8%€205k▲ 55.9%€-6k€-29k▼ 361%
Net result€37k-€89k▲ 145%€137k▲ 53.6%€-12k€-34k▼ 185%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €480k
Fixed assets
€428k▼ 5.1%
Current assets
€51k▼ 77.1%
Equity and liabilities €480k
Equity
€249k▼ 12.1%
Debt
€231k▼ 41.2%
The debt ratio falls from 58.1% to 48.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €17k
Cash flow
€-12k▼
2024 · €11k
Solvency
51.8%▲
2024 · 41.9%
Current ratio
0.51▼
2024 · 1.12
Quick ratio
0.51▼
2024 · 1.12
Debt / equity
0.93▼
2024 · 1.39
ROE
-13.8%▼
2024 · -4.2%
ROA
-7.2%▼
2024 · -1.8%
Interest coverage
-0.60▼
2024 · 1.27
Debt
€231k▼
2024 · €393k
Debt ≤ 1 year
€101k▼
2024 · €201k
Debt > 1 year
€130k▼
2024 · €175k
Income taxes
€287▼
2024 · €288
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€676k€480k▼
Fixed assets21/28€451k€428k▼
Tangible fixed assets22/27€451k€428k▼
Land and buildings22€439k€420k▼
Furniture and vehicles24€11k€7k▼
Other tangible fixed assets26€866€371▼
Current assets29/58€225k€51k▼
Amounts receivable after more than one year29€100k-
Other amounts receivable291€100k-
Amounts receivable within one year40/41€117k€47k▼
Trade receivables40€24k€18k▼
Other amounts receivable41€93k€29k▼
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€676k€480k▼
Equity10/15€283k€249k▼
Contributions10/11€6k€6k=
Reserves13€277k€277k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€273k€273k=
Profit (loss) carried forward14-€-34k
Amounts payable17/49€393k€231k▼
Amounts payable after more than one year17€175k€130k▼
Financial debts170/4€175k€130k▼
Amounts payable within one year42/48€201k€101k▼
Current portion of amounts payable after more than one year42€44k€45k▲
Financial debts43€28k€39k▲
Credit institutions430/8€28k€39k▲
Trade debts44€3k€15k▲
Suppliers440/4€3k€15k▲
Taxes, remuneration and social security45€32k€931▼
Taxes450/3€32k€931▼
Other amounts payable47/48€94k-
Accrued charges and deferred income492/3€16k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€21k€-1k▼
Operating profit (loss)9901€-6k€-29k▼
Financial income75/76B€8k€4k▼
Recurring financial income75€8k€4k▼
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€-12k€-34k▼
Income taxes67/77€288€287▼
Profit (loss) for the period9904€-12k€-34k▼
Profit (loss) for the period to be appropriated9905€-12k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-34k▼
Transfer from equity791/2€111k-
Profit to be distributed694/7€99k-
Return on contributions (dividend)694€99k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €137k ▲53.6%
Operating result €205k, net result €137k, both a record.
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
30-09
Financial
Equity above €200kEq €257k ▲53.5%
4 profitable years in a row build equity to €257k.
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €150kEq €167k ▲28%
3 profitable years in a row build equity to €167k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €131k ▲66.5%
2 profitable years in a row build equity to €131k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Koksijde · 1 establishment unit since 2003
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.
Boulognestraat(Kok) 48670 KoksijdeGround area
626 m²
Building footprint
192 m²
Volume, LiDAR
2,314 m³
Parcel 38014E0394/00A000, Flanders · tallest building 19.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J & J CONSULT
since 20032.135.033.445
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014E0394/00A000 | Flanders | 626 m² | 1 · 192 m² | 19.3 m · 4 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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TCHERNO
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REFLEXXIONS
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.