MJA CONSULT
ActiveMJA CONSULT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €27k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 48% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-6
Solvency80▲+4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.52 in 2024), and 51.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 82
Relative position
BE, all sectors
reference
Sector 82
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
48.3%
Return on assets
4.6%
Age of the figures
9 mo
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
56 d late
2023
27 d late
2022
86 d late
2021
29 d late
2020
60 d late
2019
80 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€280k▲ 10.6%
2024 · €253k
2018: €74k
2019: €82k
2020: €152k
2021: €198k
2022: €217k
2023: €255k
2024: €253k
2018 → 2025
Total assets
€579k▼ 3.7%
2024 · €602k
2018: €185k
2019: €190k
2020: €320k
2021: €321k
2022: €592k
2023: €647k
2024: €602k
2018 → 2025
Net result
€27k▼ 2.8%
2024 · €28k
2018: €55k
2019: €28k
2020: €90k
2021: €46k
2022: €19k
2023: €38k
2024: €28k
2018 → 2025
Working capital
€62k▼ 22.1%
2024 · €80k
2018: €54k
2019: €66k
2020: €116k
2021: €171k
2022: €86k
2023: €105k
2024: €80k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€217k▲ 9.4%€255k▲ 17.7%€253k▼ 1.0%€280k▲ 10.6%
Operating result€69k-€42k▼ 39.9%€61k▲ 46.8%€54k▼ 11.6%€50k▼ 6.9%
Net result€46k-€19k▼ 59.8%€38k▲ 107%€28k▼ 28.4%€27k▼ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579k
Fixed assets
€364k▼ 0.9%
Current assets
€215k▼ 8.2%
Equity and liabilities €579k
Equity
€280k▲ 10.6%
Debt
€299k▼ 14.1%
The debt ratio falls from 57.9% to 51.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€82k▲
2024 · €81k
Cash flow
€58k▲
2024 · €54k
Solvency
48.3%▲
2024 · 42.1%
Current ratio
1.41▼
2024 · 1.52
Quick ratio
1.41▼
2024 · 1.52
Debt / equity
1.07▼
2024 · 1.38
ROE
9.6%▼
2024 · 10.9%
ROA
4.6%▲
2024 · 4.6%
Interest coverage
8.56▲
2024 · 7.74
Debt
€299k▼
2024 · €349k
Debt ≤ 1 year
€153k▼
2024 · €155k
Debt > 1 year
€146k▼
2024 · €194k
Income taxes
€22k▼
2024 · €25k
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€602k€579k▼
Fixed assets21/28€367k€364k▼
Tangible fixed assets22/27€367k€364k▼
Land and buildings22€285k€285k=
Furniture and vehicles24€79k€75k▼
Other tangible fixed assets26€3k€4k▲
Financial fixed assets28€74€74=
Current assets29/58€234k€215k▼
Amounts receivable within one year40/41€232k€203k▼
Trade receivables40€71k€62k▼
Other amounts receivable41€162k€141k▼
Current investments50/53-€11k
Cash at bank and in hand54/58€1k€255▼
Deferred charges and accrued income490/1€700€700=
Equity and liabilities
Total equity and liabilities10/49€602k€579k▼
Equity10/15€253k€280k▲
Contributions10/11€20k€20k=
Reserves13€229k€256k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€227k€254k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€349k€299k▼
Amounts payable after more than one year17€194k€146k▼
Financial debts170/4€194k€146k▼
Amounts payable within one year42/48€155k€153k▼
Current portion of amounts payable after more than one year42€46k€48k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€102k€82k▼
Suppliers440/4€102k€82k▼
Taxes, remuneration and social security45€7k€21k▲
Taxes450/3€7k€21k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€32k▲
Other operating charges640/8€5k€8k▲
Gross operating margin9900€86k€89k▲
Operating profit (loss)9901€54k€50k▼
Financial income75/76B€9k€8k▼
Recurring financial income75€9k€8k▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€53k€49k▼
Income taxes67/77€25k€22k▼
Profit (loss) for the period9904€28k€27k▼
Profit (loss) for the period to be appropriated9905€28k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€30k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€30k-
Transfer to equity691/2€28k€27k▼
To other reserves6921€28k€27k▼
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (7 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
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 86 days late
2022
31-12
Financial
Weakest financial yearnet €19k ▼59.8%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €217k ▲9.4%
5 profitable years in a row build equity to €217k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Highest result since 2018net €90k ▲221%
Operating result €101k, net result €90k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲85.3%
3 profitable years in a row build equity to €152k.
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Etterbeek · 1 establishment unit since 1999
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.
Sint-Pieterssteenweg 3871040 EtterbeekGround area
1,743 m²
Building footprint
396 m²
Volume, LiDAR
3,032 m³
2 parcels, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Diesdellelaan 19, 1000 Brussel
since 19992.091.002.472
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0286/00R005 ProtectedMonumentManege Le Royal Etrier belge |
Brussels | 1,456 m² | 1 · 120 m² | 15.8 m · 4 fl. |
| 21362B0225/00L004 | Brussels | 287 m² | 1 · 276 m² | 16.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
699400JM11F3BPVDGY58
Similar companies · same sector, comparable size
SOLYDE
BE 0641.940.555
Anhée · Eq €280k
AMGIKO
BE 0761.479.791
Grobbendonk · Eq €280k
TWINNS
BE 0544.433.977
Dessel · Eq €280k
JOCHAN
BE 0478.288.093
Kapellen · Eq €279k
BOERBOOM R.
BE 0778.913.364
Sint-Niklaas · Eq €280k
Of 24,497 companies in sector 82990 we hold annual accounts for 9,397. 6,603 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-04-1999
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.