Financials
- Fiscal year
- 2025
- Turnover
- €120,000
- Profit
- €85,298
- Solvency
- 53.8%
Turnover=
Net result
20182025
PJ CONSULT
ActiveSummary
PJ CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €85,298. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 4473 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 74879
1 site
Size
€120,000turnover 2025
- Equity
- €1.6m
- Profit
- €85,298
Structure
- Holdings
- 2
Accounts 21 d early0 of 3 deeds read
Why 95- Sector Retail trade (NACE 47)+ Size: turnover €120,000, total assets €3.0m+ Figures for FY 2025 (filed 10-07-2026)+ Founded in 2004Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
79=
equity 53.8% of total assets
Liquidity
56+6
short-term debt 7.3% · cash 5.0%
Profitability
60+9
return on assets 2.8%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 6 months
05-2026: 0.4%highest value
06-2026: 0.4%▼ -6.0% vs 05-2026
07-2026: 0.3%▼ -5.3% vs 06-2026
08-2026: 0.1%▼ -76.0% vs 07-2026lowest value
09-2026: 0.1%● 0.0% vs 08-2026lowest value
10-2026: 0.1%● 0.0% vs 09-2026lowest value
- Size: turnover €120,000, total assets €3.0m lowers the probability for this profile
- Figures for FY 2025 (filed 10-07-2026) lowers the probability
- Founded in 2004 lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 2.47 against 4.16 in 2024; short-term debt: 7.3% and cash: 5% of total assets), and 46.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 76%, liquidity 75%, profitability 42%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
31 d early
2023
5 d early
2022
28 d early
2021
37 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Back to profitnet €85,298
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Network & group
- Subsidiaries
- 1
- Holdings
- 2
2 holdings
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 10-07-2026Annual accounts filed
- 31-12-2025Back to profit
- 30-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of hardware, building materials, paint and…NACE 47521
- Founded
- 26-04-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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