LTJ Consulting
ActiveSummary
LTJ Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €48k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency58▼-42
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 4.64 in 2024; short-term debt: 63.5% and cash: 66.2% of total assets), and 66.9% 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+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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
33.1%
Return on assets
29.9%
Age of the figures
9 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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
22 d early
2023
9 d early
2022
40 d early
2021
39 d early
2020
38 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▼ 33.2%
2024 · €79k
2020: €37k
2021: €57k
2022: €82k
2023: €53k
2024: €79k
2020 → 2025
Total assets
€159k▲ 52.0%
2024 · €105k
2020: €51k
2021: €78k
2022: €103k
2023: €87k
2024: €105k
2020 → 2025
Net result
€48k▲ 86.4%
2024 · €25k
2020: €32k
2021: €20k
2022: €25k
2023: €19k
2024: €25k
2020 → 2025
Working capital
€33k▼ 39.2%
2024 · €54k
2020: €37k
2021: €55k
2022: €80k
2023: €25k
2024: €54k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€82k▲ 43.0%€53k▼ 35.1%€79k▲ 47.9%€53k▼ 33.2%
Operating result€26k-€31k▲ 21.7%€25k▼ 18.7%€34k▲ 33.9%€68k▲ 99.9%
Net result€20k-€25k▲ 21.7%€19k▼ 22.1%€25k▲ 32.8%€48k▲ 86.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 100% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€25k ▼ 29.5%
Current assets
€134k ▲ 93.5%
Equity and liabilities €159k
Equity
€53k ▼ 33.2%
Debt
€106k ▲ 311%
The debt ratio rises from 24.7% to 66.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €44k
Cash flow
€58k▲
2024 · €36k
Current ratio
1.33▼
2024 · 4.64
Debt / equity
2.02▲
2024 · 0.33
ROE
90.4%▲
2024 · 32.4%
ROA
29.9%▲
2024 · 24.4%
Interest coverage
24.07▼
2024 · 35.62
Debt ≤ 1 year
€101k▲
2024 · €15k
Debt > 1 year
€4k▼
2024 · €11k
Income taxes
€17k▲
2024 · €7k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€159k▲
Fixed assets21/28€35k€25k▼
Tangible fixed assets22/27€35k€25k▼
Furniture and vehicles24€35k€25k▼
Current assets29/58€69k€134k▲
Amounts receivable within one year40/41€24k€28k▲
Trade receivables40€23k€28k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€44k€105k▲
Deferred charges and accrued income490/1€732€763▲
Equity and liabilities
Total equity and liabilities10/49€105k€159k▲
Equity10/15€79k€53k▼
Contributions10/11€5k€5k=
Reserves13€74k€48k▼
Distributable reserves133€74k€48k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€26k€106k▲
Amounts payable after more than one year17€11k€4k▼
Financial debts170/4€11k€4k▼
Amounts payable within one year42/48€15k€101k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€259€99▼
Credit institutions430/8€259€99▼
Trade debts44€217€1k▲
Suppliers440/4€217€1k▲
Taxes, remuneration and social security45€6k€28k▲
Taxes450/3€6k€28k▲
Remuneration and social security454/9€100€0▼
Other amounts payable47/48€2k€64k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€2k€474▼
Non-recurring operating charges66A€0-
Gross operating margin9900€46k€79k▲
Operating profit (loss)9901€34k€68k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€33k€64k▲
Income taxes67/77€7k€17k▲
Profit (loss) for the period9904€25k€48k▲
Profit (loss) for the period to be appropriated9905€25k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€48k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0€74k▲
Transfer to equity691/2€25k€48k▲
To other reserves6921€25k€48k▲
Profit to be distributed694/7€0€74k▲
Return on contributions (dividend)694-€74k
Directors or managers695€0-
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €48k ▲86.4%
Operating result €68k, net result €48k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €19k ▼22.1%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kortenberg · 1 establishment unit since 2019
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.
Ballingstraat 20A3078 KortenbergGround area
549 m²
Building footprint
93 m²
Volume, LiDAR
215 m³
Parcel 24068C0001/00H000, Flanders · tallest building 4.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LTJ Consulting
since 20192.293.212.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24068C0001/00H000 | Flanders | 549 m² | 1 · 93 m² | 4.9 m · 1 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-08-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
58290Other software publishing
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.