MJ Consult
ActiveMJ Consult has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €-14k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 16.37 against 7.16 in 2024), and 6.1% 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 fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€14k
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
9 d late
2022
60 d late
2021
31 d late
2020
31 d late
2019
66 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▼ 12.9%
2024 · €109k
2018: €16k
2019: €22k
2020: €43k
2021: €57k
2022: €65k
2023: €133k
2024: €109k
2018 → 2025
Total assets
€101k▼ 20.2%
2024 · €126k
2018: €248k
2019: €236k
2020: €227k
2021: €224k
2022: €159k
2023: €157k
2024: €126k
2018 → 2025
Net result
€-14k▲ 42.5%
2024 · €-24k
2018: €2k
2019: €6k
2020: €21k
2021: €15k
2022: €8k
2023: €68k
2024: €-24k
2018 → 2025
Working capital
€94k▼ 12.8%
2024 · €108k
2018: €-83k
2019: €-90k
2020: €-48k
2021: €-46k
2022: €61k
2023: €132k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€65k▲ 13.6%€133k▲ 103%€109k▼ 18.3%€94k▼ 12.9%
Operating result€28k-€20k▼ 30.0%€25k▲ 25.5%€-25k€-6k▲ 76.2%
Net result€15k-€8k▼ 47.5%€68k▲ 761%€-24k€-14k▲ 42.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€410▼ 33.9%
Current assets
€100k▼ 20.1%
Equity and liabilities €101k
Equity
€94k▼ 12.9%
Debt
€6k▼ 65.1%
The debt ratio falls from 13.9% to 6.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-6k▲
2024 · €-24k
Cash flow
€-14k▲
2024 · €-24k
Solvency
93.9%▲
2024 · 86.1%
Current ratio
16.37▲
2024 · 7.16
Quick ratio
16.37▲
2024 · 7.16
Debt / equity
0.06▼
2024 · 0.16
ROE
-14.8%▲
2024 · -22.5%
ROA
-13.9%▲
2024 · -19.3%
Interest coverage
-0.73▲
2024 · -4.83
Debt
€6k▼
2024 · €18k
Debt ≤ 1 year
€6k▼
2024 · €18k
Income taxes
€518▼
2024 · €602
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€126k€101k▼
Fixed assets21/28€620€410▼
Tangible fixed assets22/27€420€210▼
Plant, machinery and equipment23€420€210▼
Financial fixed assets28€200€200=
Current assets29/58€125k€100k▼
Amounts receivable within one year40/41€120k€36k▼
Trade receivables40€29k€36k▲
Other amounts receivable41€91k-
Cash at bank and in hand54/58€6k€63k▲
Deferred charges and accrued income490/1-€800
Equity and liabilities
Total equity and liabilities10/49€126k€101k▼
Equity10/15€109k€94k▼
Contributions10/11€12k€12k=
Reserves13€87k€87k=
Distributable reserves133€87k€87k=
Profit (loss) carried forward14€9k€-5k▼
Amounts payable17/49€18k€6k▼
Amounts payable within one year42/48€18k€6k▼
Trade debts44€13k€624▼
Suppliers440/4€13k€624▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48-€598
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€455€210▼
Other operating charges640/8€570€585▲
Gross operating margin9900€-24k€-5k▲
Operating profit (loss)9901€-25k€-6k▲
Financial income75/76B€6k-
Recurring financial income75€6k-
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€-24k€-14k▲
Income taxes67/77€602€518▼
Profit (loss) for the period9904€-24k€-14k▲
Profit (loss) for the period to be appropriated9905€-24k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-5k▼
Profit (loss) brought forward from the previous period14P€34k€9k▼
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
Liquidity doublescurrent ratio 16.37
Current ratio from 7.16 to 16.37; short-term debt falls from €18k to €6k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-24k ▼136%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Highest result since 2018net €68k ▲761%
Net result €68k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 6.57
Current ratio from 1.64 to 6.57; short-term debt falls from €94k to €24k.
31-12
Financial
Equity above €100kEq €133k ▲103%
6 profitable years in a row build equity to €133k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Liquidity times 5current ratio 1.64
Current ratio from 0.30 to 1.64.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schilde · 1 establishment unit since 2006
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.
Bellemond 122970 SchildeGround area
2,489 m²
Building footprint
204 m²
Volume, LiDAR
998 m³
Parcel 11041B0485/00K000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MJ Consult
since 20062.152.742.675
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0485/00K000 | Flanders | 2,489 m² | 1 · 204 m² | 8.2 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 40,375 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.