MJB CONSULTING
ActiveMJB CONSULTING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160k and a net result of €18k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 83% of 1894 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-1
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 6.74 against 2.66 in 2023; short-term debt: 14.1% and cash: 4.8% of total assets), and 14.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
85.9%
Return on assets
9.6%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2023
on the day
2022
2 d late
2021
2 d late
2020
1 d early
2019
18 d late
2018
16 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€160k▲ 55.8%
2023 · €102k
2018: €54k
2019: €59k
2020: €66k
2021: €76k
2022: €86k
2023: €102k
2018 → 2025
Total assets
€186k▲ 24.9%
2023 · €149k
2018: €73k
2019: €67k
2020: €86k
2021: €86k
2022: €103k
2023: €149k
2018 → 2025
Net result
€18k▲ 9.4%
2023 · €16k
2018: €9k
2019: €4k
2020: €7k
2021: €10k
2022: €10k
2023: €16k
2018 → 2025
Working capital
€151k▲ 95.4%
2023 · €77k
2018: €34k
2019: €21k
2020: €26k
2021: €23k
2022: €54k
2023: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€66k-€76k▲ 15.3%€86k▲ 13.8%€102k▲ 19.0%€160k▲ 55.8%
Operating result€14k-€19k▲ 29.9%€20k▲ 4.5%€27k▲ 35.0%€27k▲ 2.6%
Net result€7k-€10k▲ 42.9%€10k▲ 4.1%€16k▲ 56.7%€18k▲ 9.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €27k in 2025, compared with €27k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €186k
Fixed assets
€9k▼ 64.0%
Current assets
€177k▲ 43.2%
Equity and liabilities €186k
Equity
€160k▲ 55.8%
Debt
€26k▼ 43.5%
The debt ratio falls from 31.1% to 14.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▼
2023 · €33k
Cash flow
€21k▼
2023 · €23k
Solvency
85.9%▲
2023 · 68.9%
Current ratio
6.74▲
2023 · 2.66
Quick ratio
6.74▲
2023 · 2.66
Debt / equity
0.16▼
2023 · 0.45
ROE
11.2%▼
2023 · 16.0%
ROA
9.6%▼
2023 · 11.0%
Interest coverage
6.97▼
2023 · 114.83
Debt
€26k▼
2023 · €46k
Debt ≤ 1 year
€26k▼
2023 · €46k
Income taxes
€10k▼
2023 · €10k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€149k€186k▲
Fixed assets21/28€25k€9k▼
Tangible fixed assets22/27€25k€9k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€8k-
Current assets29/58€123k€177k▲
Amounts receivable after more than one year29-€148k
Other amounts receivable291-€148k
Amounts receivable within one year40/41€38k€20k▼
Trade receivables40€27k€20k▼
Other amounts receivable41€11k-
Cash at bank and in hand54/58€85k€9k▼
Equity and liabilities
Total equity and liabilities10/49€149k€186k▲
Equity10/15€102k€160k▲
Contributions10/11€6k€6k=
Reserves13€96k€154k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€94k€154k▲
Amounts payable17/49€46k€26k▼
Amounts payable within one year42/48€46k€26k▼
Trade debts44€12k€8k▼
Suppliers440/4€12k€8k▼
Taxes, remuneration and social security45€34k€18k▼
Taxes450/3€34k€18k▼
Income statement
Code20232025
Remuneration, social security and pensions62€576-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€533€716▲
Gross operating margin9900€34k€31k▼
Operating profit (loss)9901€27k€27k▲
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€290€4k▲
Recurring financial charges65€290€4k▲
Profit (loss) for the period before taxes9903€26k€28k▲
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€16k€18k▲
Profit (loss) for the period to be appropriated9905€16k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€18k▲
Transfer to equity691/2€16k€18k▲
To other reserves6921€16k€18k▲
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €18k ▲9.4%
Operating result €27k, net result €18k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 6.74
Current ratio from 2.66 to 6.74; short-term debt falls from €46k to €26k.
30-09
Financial
Equity above €150kEq €160k ▲55.8%
7 profitable years in a row build equity to €160k.
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €102k ▲19%
6 profitable years in a row build equity to €102k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
30-09
Financial
Weakest financial yearnet €4k ▼52.3%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
11-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
2016
02-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 2 days late
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, Dilsen-Stokkem · 1 establishment unit since 2009
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.
Zonnedauwlaan 93650 Dilsen-StokkemGround area
1,288 m²
Building footprint
200 m²
Volume, LiDAR
784 m³
Parcel 73043B0300/00E018, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zonnedauwlaan 9, 3650 Dilsen-Stokkem
since 20092.182.349.253
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043B0300/00E018 | Flanders | 1,288 m² | 1 · 200 m² | 5.6 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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FRESH -START
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DE MUTSAERD
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DELK Consulting
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Of 3,151 companies in sector 63920 we hold annual accounts for 1,522. 1,230 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2009
Fiscal year end30-09
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.