M.J. Consulting
ActiveM.J. Consulting has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €580k and a net result of €34k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 4852 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-9
Solvency100=
Growth52▼-19
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 8.39 against 6.79 in 2024; short-term debt: 5.2% and cash: 2.4% of total assets), and 5.4% 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 · 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
94.6%
Return on assets
5.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
30 d early
2023
34 d early
2022
31 d early
2021
18 d early
2020
2 d early
2019
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€181k▼ 50.7%
2024 · €367k
2022: €319k
2023: €440k
2024: €367k
2022 → 2025
EBIT margin
35.4%▼ 4.9pp
2024 · 40.3%
2022: 50.1%
2023: 54.4%
2024: 40.3%
2022 → 2025
Net result
€34k▼ 66.5%
2024 · €101k
2018: €6k
2019: €11k
2020: €8k
2021: €18k
2022: €127k
2023: €169k
2024: €101k
2018 → 2025
Working capital
€238k▲ 15.6%
2024 · €206k
2018: €-221k
2019: €-211k
2020: €-203k
2021: €-185k
2022: €-53k
2023: €100k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€319k€440k▲ 37.9%€367k▼ 16.8%€181k▼ 50.7%
Equity€149k-€276k▲ 85.3%€446k▲ 61.3%€547k▲ 22.6%€580k▲ 6.2%
Operating result€18k-€160k▲ 772%€240k▲ 49.8%€148k▼ 38.4%€64k▼ 56.6%
Net result€18k-€127k▲ 603%€169k▲ 33.3%€101k▼ 40.6%€34k▼ 66.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €613k
Fixed assets
€343k▼ 1.2%
Current assets
€270k▲ 11.9%
Equity and liabilities €613k
Equity
€580k▲ 6.2%
Debt
€33k▼ 21.6%
The debt ratio falls from 7.2% to 5.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▼
2024 · €152k
Cash flow
€38k▼
2024 · €105k
Solvency
94.6%▲
2024 · 92.8%
Current ratio
8.39▲
2024 · 6.79
Quick ratio
8.39▲
2024 · 6.79
Debt / equity
0.06▼
2024 · 0.08
ROE
5.8%▼
2024 · 18.4%
ROA
5.5%▼
2024 · 17.1%
Interest coverage
4963.75▲
2024 · 117.42
Debt
€33k▼
2024 · €42k
Debt ≤ 1 year
€32k▼
2024 · €36k
Income taxes
€30k▼
2024 · €45k
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€589k€613k▲
Fixed assets21/28€347k€343k▼
Tangible fixed assets22/27€347k€343k▼
Land and buildings22€335k€335k=
Plant, machinery and equipment23€12k€8k▼
Financial fixed assets28€55€55=
Other financial fixed assets284/8€55€55=
Amounts receivable and cash guarantees285/8€55€55=
Current assets29/58€241k€270k▲
Amounts receivable within one year40/41€227k€250k▲
Trade receivables40€127k€40k▼
Other amounts receivable41€100k€209k▲
Cash at bank and in hand54/58€8k€15k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€589k€613k▲
Equity10/15€547k€580k▲
Contributions10/11€117k€117k=
Reserves13€64k€64k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€365k€399k▲
Amounts payable17/49€42k€33k▼
Amounts payable within one year42/48€36k€32k▼
Trade debts44€13k€4k▼
Suppliers440/4€13k€4k▼
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€21k€28k▲
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€7k€1k▼
Income statement
Code20242025
Operating income70/76A€569k€422k▼
Turnover70€367k€181k▼
Other operating income74€203k€241k▲
Operating charges60/66A€422k€357k▼
Goods for resale, raw materials and consumables60-€8k
Purchases600/8-€8k
Services and other goods61€373k€331k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€45k€15k▼
Operating profit (loss)9901€148k€64k▼
Financial income75/76B€8€463▲
Recurring financial income75€8€463▲
Income from current assets751-€463
Other financial income752/9€8€0▼
Financial charges65/66B€2k€513▼
Recurring financial charges65€2k€513▼
Debt charges650€1k€14▼
Other financial charges652/9€404€500▲
Profit (loss) for the period before taxes9903€146k€64k▼
Income taxes67/77€45k€30k▼
Taxes670/3€45k€30k▼
Profit (loss) for the period9904€101k€34k▼
Profit (loss) for the period to be appropriated9905€101k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€365k€399k▲
Profit (loss) brought forward from the previous period14P€265k€365k▲
The notes to these accounts (23 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500kEq €547k ▲22.6%
7 profitable years in a row build equity to €547k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €169k ▲33.3%
Operating result €240k, net result €169k, both a record.
31-12
Financial
Liquidity times 6current ratio 4.41
Current ratio from 0.76 to 4.41; short-term debt falls from €220k to €29k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200kEq €276k ▲85.3%
5 profitable years in a row build equity to €276k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Nazareth-De Pinte · 1 establishment unit since 1971
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.
Nijverheidstraat 39810 Nazareth-De PinteGround area
1.4 ha
Building footprint
9,065 m²
Parcel 44048A0480/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Nijverheidstraat 3, 9810 Nazareth-De Pinte
since 19712.005.503.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048A0480/00A000 | Flanders | 1.4 ha | 1 · 9,065 m² | - |
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.
Similar companies · same sector, comparable size
EVOGREEN
BE 0728.597.484
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MICHELS
BE 0433.890.601
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MACHINES REYNIERS
BE 0508.566.743
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HUGO DE SCHUTTER
BE 0458.306.192
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FARM PARTS
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Maaseik · Eq €574k
Of 806 companies in sector 46610 we hold annual accounts for 566. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1971
Fiscal year end31-12
Activities, NACEBEL
46610Wholesale trade
51880
25110Manufacture of metal structures and parts of structures
28110
47521Retail sale of hardware, building materials, paint and glass (general range)
47639Retail sale of other sporting goods
47640Retail trade
52461
52482
Sources
Crossroads Bank for EnterprisesNational Bank · 48 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.