OJ
ActiveSummary
OJ has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €534,884 and a net result of -€95,231. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 17% of 37951 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability66▼-1
Solvency39▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.28 in 2023; short-term debt: 86.3% and cash: 0.2% of total assets), and 86.3% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
13.7%
Return on assets
-2.4%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
1819222324
2018 to 2024 · latest year -€95,231
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 37951 sector peers (2024).
NBB · sector comparisonPosition among 37951 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-09-2025, 43 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
not confirmed
2024
43 d late
2023
37 d late
2022
32 d late
2019
24 d late
2018
58 d late
2017
198 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 65 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
In the rankings
#3 company by total assets in Pecq, Professional and technical services sector#6 oldest company in Pecq, Professional and technical services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€95,231▼ 37.6%
2023 · -€69,223
Working capital
-€2.4m▲ 0.2%
2023 · -€2.4m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202220232024
Operating result-€133,241--€482,757▼ 262%-€45,641--€68,868▼ 50.9%-€89,783▼ 30.4%
Net result-€133,509--€482,757▼ 262%-€46,088--€69,223▼ 50.2%-€95,231▼ 37.6%
Equity-€1.0m-€935,600€699,337-€630,115▼ 9.9%€534,884▼ 15.1%
Total assets€2.1m-€4.4m▲ 107%€4.1m-€4.0m▼ 2.2%€3.9m▼ 1.8%
Debt€3.2m-€3.5m▲ 10.8%€3.4m-€3.3m▼ 0.6%€3.4m▲ 0.7%
Working capital€744,174-€428,530▼ 42.4%€8,524--€2.4m-€2.4m▲ 0.2%
Why a figure moved sharply
- 2019 Net result -262%, Total assets +107% on 2018. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €89,783 in 2024 against €68,868 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.9m
Fixed assets
€2.9m ▼ 3.3%
Current assets
€965,534 ▲ 3.0%
Equity and liabilities €3.9m
Equity
€534,884 ▼ 15.1%
Debt
€3.4m ▲ 0.7%
Debt's share of the balance-sheet total rises from 84.2% to 86.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10,803▼
2023 · €31,589
Cash flow
€5,356▼
2023 · €31,234
Current ratio
0.29▲
2023 · 0.28
Quick ratio
0.19▲
2023 · 0.18
Debt to equity
6.30▲
2023 · 5.32
ROE
-17.8%▼
2023 · -11.0%
ROA
-2.4%▼
2023 · -1.7%
Interest coverage
34.95▼
2023 · 88.48
Debt ≤ 1 year
€3.4m▲
2023 · €3.3m
Income taxes
€5,138
Staff costs
€41,440▲
2023 · €39,959
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €38,386 | €39,959 | €41,440 | ▲ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €99,141 | €99,242 | €100,315 | €100,457 | €100,587 | ▲ 0.1% |
| Other operating charges640/8 | - | - | €8,020 | €5,024 | €7,472 | ▲ 48.7% |
| Gross operating margin9900 | -€31,134 | €904 | €101,080 | €76,572 | €59,715 | ▼ 22.0% |
| Operating profit (loss)9901 | -€133,241 | -€482,757 | -€45,641 | -€68,868 | -€89,783 | ▼ 30.4% |
| Financial income75/76B | - | - | - | €3 | - | - |
| Recurring financial income75 | - | - | - | €3 | - | - |
| Financial charges65/66B | - | - | €447 | €357 | €309 | ▼ 13.4% |
| Recurring financial charges65 | €268 | - | €447 | €357 | €309 | ▼ 13.4% |
| Profit (loss) for the period before taxes9903 | -€133,509 | -€482,757 | -€46,088 | -€69,223 | -€90,093 | ▼ 30.1% |
| Income taxes67/77 | - | - | - | - | €5,138 | - |
| Profit (loss) for the period9904 | -€133,509 | -€482,757 | -€46,088 | -€69,223 | -€95,231 | ▼ 37.6% |
| Profit (loss) for the period to be appropriated9905 | -€133,509 | -€482,757 | -€46,088 | -€69,223 | -€95,231 | ▼ 37.6% |
| Line | 2018 | 2019 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.1m | €4.4m | €4.1m | €4.0m | €3.9m | ▼ 1.8% |
| Fixed assets21/28 | €1.3m | €3.3m | €3.1m | €3.0m | €2.9m | ▼ 3.3% |
| Tangible fixed assets22/27 | €1.3m | €3.3m | €3.0m | €2.9m | €2.8m | ▼ 3.5% |
| Land and buildings22 | - | - | €2.5m | €2.5m | €2.5m | ▼ 1.0% |
| Plant, machinery and equipment23 | - | - | €454,784 | €380,493 | €306,203 | ▼ 19.5% |
| Furniture and vehicles24 | - | - | €960 | €1,916 | €1,012 | ▼ 47.2% |
| Financial fixed assets28 | €450 | €450 | €147,104 | €147,104 | €147,104 | = |
| Current assets29/58 | €805,514 | €1.1m | €928,836 | €937,678 | €965,534 | ▲ 3.0% |
| Stocks and contracts in progress3 | €325,275 | €324,895 | €324,895 | €324,895 | €324,895 | = |
| Stocks30/36 | - | - | €324,895 | €324,895 | €324,895 | = |
| Amounts receivable within one year40/41 | €464,814 | €398,706 | €531,998 | €559,078 | €627,694 | ▲ 12.3% |
| Trade receivables40 | - | - | €203,275 | €202,086 | €240,031 | ▲ 18.8% |
| Other amounts receivable41 | - | - | €328,723 | €356,992 | €387,663 | ▲ 8.6% |
| Cash at bank and in hand54/58 | €14,724 | €407,847 | €71,944 | €49,056 | €8,101 | ▼ 83.5% |
| Deferred charges and accrued income490/1 | - | - | - | €4,649 | €4,844 | ▲ 4.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.1m | €4.4m | €4.1m | €4.0m | €3.9m | ▼ 1.8% |
| Equity10/15 | -€1.0m | €935,600 | €699,337 | €630,115 | €534,884 | ▼ 15.1% |
| Contributions10/11 | €18,600 | €386,100 | €386,100 | €386,100 | €386,100 | = |
| Revaluation surpluses12 | - | - | €2.1m | €2.1m | €2.1m | = |
| Profit (loss) carried forward14 | -€1.0m | -€1.5m | -€1.7m | -€1.8m | -€1.9m | ▼ 5.2% |
| Amounts payable17/49 | €3.2m | €3.5m | €3.4m | €3.3m | €3.4m | ▲ 0.7% |
| Amounts payable after more than one year17 | €3.0m | €2.8m | €2.5m | - | - | - |
| Financial debts170/4 | - | - | €2.5m | - | - | - |
| Amounts payable within one year42/48 | €61,340 | €702,918 | €920,312 | €3.3m | €3.4m | ▲ 0.7% |
| Trade debts44 | €25,793 | €20,911 | €27,875 | €13,448 | €15,540 | ▲ 15.6% |
| Suppliers440/4 | - | - | €27,875 | €13,448 | €15,540 | ▲ 15.6% |
| Taxes, remuneration and social security45 | - | - | €8,420 | €8,791 | €17,760 | ▲ 102% |
| Taxes450/3 | - | - | €230 | €197 | €4,535 | ▲ 2,206% |
| Remuneration and social security454/9 | - | - | €8,190 | €8,595 | €13,225 | ▲ 53.9% |
| Other amounts payable47/48 | - | - | €884,016 | €3.3m | €3.3m | ▲ 0.3% |
| Line | 2018 | 2019 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€133,509 | -€482,757 | -€46,088 | -€69,223 | -€95,231 | ▼ 37.6% |
| + Depreciation and write-downs630 | €99,141 | €99,242 | €100,315 | €100,457 | €100,587 | ▲ 0.1% |
| Operating cash flow (approximation) | -€34,368 | -€383,515 | €54,227 | €31,234 | €5,356 | ▼ 82.9% |
| Investment in fixed assets (approximation) | - | -€2.1m | - | -€1,731 | €0 | ▲ 100% |
| Change in cash | - | €393,123 | - | -€22,887 | -€40,955 | ▼ 78.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet -€482,757
Net result drops to -€482,757, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500,000Eq €935,600
Equity rises from -€1.0m to €935,600.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 58 days late
14-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 198 days late
2018
16-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 473 days late
16-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 838 days late
2016
17-03
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 230 days late
17-03
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 595 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Pecq · 1 establishment unit since 2005
Ground area
9,748 m²
Building footprint
371 m²
Parcel 57086A0388/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
OJ
since 20052.145.430.855
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57086A0388/00G000 | Wallonia | 9,748 m² | 1 · 371 m² | - |
Linked by address, not proof of ownership
Good to know
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
PIET VAN DER WEE
BE 0830.029.691
Berlaar · Eq €534,796
BUMP
BE 0898.228.215
Antwerpen · Eq €535,064
Bay Consulting
BE 0843.398.667
Sint-Genesius-Rode · Eq €535,084
LODE VANMULLEM
BE 0832.606.032
Knokke-Heist · Eq €535,125
Sànùk
BE 0886.889.212
Lochristi · Eq €534,636
Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 34,120 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded07-10-2004
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.