JOIN CONSULT
ActiveSummary
JOIN CONSULT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.13M and a net result of €-36k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 72% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-4
Solvency96▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €420k at 30 days acceptable
Liquidity ample (current ratio 18.51 against 20.5 in 2024; short-term debt: 4.7% and cash: 0.5% of total assets), and 29.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
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
70.9%
Return on assets
-0.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 12-06-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 d early
2024
35 d early
2023
50 d early
2022
37 d early
2021
10 d early
2020
60 d early
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.13M▼ 2.6%
2024 · €6.30M
2018: €5.80M
2019: €5.81M
2020: €5.77M
2021: €5.51M
2022: €5.67M
2023: €6.14M
2024: €6.30M
2018 → 2025
Total assets
€8.65M▼ 1.4%
2024 · €8.78M
2018: €7.01M
2019: €7.11M
2020: €7.23M
2021: €7.83M
2022: €8.19M
2023: €8.64M
2024: €8.78M
2018 → 2025
Net result
€-36k
2024 · €255k
2018: €-196k
2019: €14k
2020: €-38k
2021: €-59k
2022: €160k
2023: €468k
2024: €255k
2018 → 2025
Working capital
€7.08M▼ 1.9%
2024 · €7.22M
2018: €5.68M
2019: €5.73M
2020: €5.90M
2021: €6.36M
2022: €6.55M
2023: €7.04M
2024: €7.22M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.51M-€5.67M▲ 2.9%€6.14M▲ 8.2%€6.30M▲ 2.5%€6.13M▼ 2.6%
Operating result€-117k-€-66k▲ 43.9%€-113k▼ 72.8%€-66k▲ 42.1%€-84k▼ 27.9%
Net result€-59k-€160k€468k▲ 193%€255k▼ 45.4%€-36k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €84k in 2025 against €66k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.65M
Fixed assets
€1.16M ▼ 1.8%
Current assets
€7.49M ▼ 1.4%
Equity and liabilities €8.65M
Equity
€6.13M ▼ 2.6%
Debt
€2.52M ▲ 1.6%
Debt's share of the balance-sheet total rises from 28.2% to 29.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-60k▼
2024 · €-43k
Cash flow
€-12k▼
2024 · €278k
Current ratio
18.51▼
2024 · 20.50
Debt to equity
0.41▲
2024 · 0.39
ROE
-0.6%▼
2024 · 4.1%
ROA
-0.4%▼
2024 · 2.9%
Interest coverage
-0.62▲
2024 · -1.61
Debt ≤ 1 year
€404k▲
2024 · €370k
Debt > 1 year
€2.10M=
2024 · €2.10M
Income taxes
€742▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.78M€8.65M▼
Fixed assets21/28€1.19M€1.16M▼
Tangible fixed assets22/27€537k€516k▼
Land and buildings22€532k€510k▼
Furniture and vehicles24€5k€6k▲
Financial fixed assets28€649k€649k=
Current assets29/58€7.59M€7.49M▼
Amounts receivable within one year40/41€2.53M€2.47M▼
Trade receivables40€105k€90k▼
Other amounts receivable41€2.43M€2.38M▼
Current investments50/53€5.04M€4.95M▼
Cash at bank and in hand54/58€9k€40k▲
Deferred charges and accrued income490/1€12k€26k▲
Equity and liabilities
Total equity and liabilities10/49€8.78M€8.65M▼
Equity10/15€6.30M€6.13M▼
Contributions10/11€19k€19k=
Reserves13€6.24M€6.07M▼
Distributable reserves133€6.24M€6.07M▼
Profit (loss) carried forward14€35k€40k▲
Amounts payable17/49€2.48M€2.52M▲
Amounts payable after more than one year17€2.10M€2.10M=
Financial debts170/4€2.10M€2.10M=
Amounts payable within one year42/48€370k€404k▲
Financial debts43€292k€316k▲
Credit institutions430/8€292k€316k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€23k€20k▼
Taxes450/3€23k€20k▼
Other amounts payable47/48€53k€66k▲
Accrued charges and deferred income492/3€8k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€13k€11k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€-24k€-49k▼
Operating profit (loss)9901€-66k€-84k▼
Financial income75/76B€374k€147k▼
Recurring financial income75€374k€147k▼
Financial charges65/66B€27k€97k▲
Recurring financial charges65€27k€97k▲
Profit (loss) for the period before taxes9903€282k€-35k▼
Income taxes67/77€26k€742▼
Profit (loss) for the period9904€255k€-36k▼
Profit (loss) for the period to be appropriated9905€255k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€290k€-956▼
Profit (loss) brought forward from the previous period14P€35k€35k=
Transfer from equity791/2€100k€170k▲
Transfer to equity691/2€255k-
To other reserves6921€255k-
Profit to be distributed694/7€100k€130k▲
Return on contributions (dividend)694€100k€130k▲
The notes to these accounts (13 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-12
Financial
Highest result since 2018net €468k ▲193%
Net result €468k, the highest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-12
Financial
Back to profitnet €160k
Net result €160k after 2 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-12
Financial
Liquidity doublescurrent ratio 127.13
Current ratio from 61.89 to 127.13; short-term debt falls from €94k to €47k.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
30-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2013
19-06
State Gazette act
General meeting · Director resignation
Director reappointment · Permanent representative
2010
05-08
State Gazette act
General meeting · Director reappointment
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB 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, Zemst · 1 establishment unit since 1997
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.
Jaak Lemmenslaan 331980 ZemstGround area
1,435 m²
Building footprint
163 m²
Volume, LiDAR
859 m³
Parcel 23096C0635/00S000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jaak Lemmenslaan 33, 1980 Zemst
since 19972.083.400.741
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23096C0635/00S000 | Flanders | 1,435 m² | 1 · 163 m² | 8.5 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
967600JL9N7FLA490J86
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 1,537 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-1997
Fiscal year end30-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.