PjC CONSULTING
ActivePjC CONSULTING has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €550k and a net result of €113k. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency93▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 3.95 in 2024; short-term debt: 17% and cash: 60% of total assets), and 31.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
68.2%
Return on assets
14%
Age of the figures
9 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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
23 d early
2023
29 d early
2022
18 d early
2021
45 d early
2020
47 d early
2019
33 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
€550k▲ 12.9%
2024 · €487k
2018: €89k
2019: €111k
2020: €162k
2021: €232k
2022: €286k
2023: €335k
2024: €487k
2018 → 2025
Total assets
€806k▲ 7.5%
2024 · €749k
2018: €543k
2019: €571k
2020: €531k
2021: €539k
2022: €567k
2023: €751k
2024: €749k
2018 → 2025
Net result
€113k▼ 44.1%
2024 · €202k
2018: €60k
2019: €62k
2020: €71k
2021: €69k
2022: €55k
2023: €89k
2024: €202k
2018 → 2025
Working capital
€397k▲ 18.7%
2024 · €334k
2018: €-59k
2019: €-21k
2020: €11k
2021: €81k
2022: €156k
2023: €339k
2024: €334k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€232k-€286k▲ 23.7%€335k▲ 17.1%€487k▲ 45.2%€550k▲ 12.9%
Operating result€104k-€83k▼ 20.1%€136k▲ 64.0%€300k▲ 121%€170k▼ 43.3%
Net result€69k-€55k▼ 20.8%€89k▲ 62.4%€202k▲ 127%€113k▼ 44.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €806k
Fixed assets
€272k▼ 9.8%
Current assets
€533k▲ 19.1%
Equity and liabilities €806k
Equity
€550k▲ 12.9%
Debt
€256k▼ 2.5%
The debt ratio falls from 35.0% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€200k▼
2024 · €330k
Cash flow
€142k▼
2024 · €231k
Solvency
68.2%▲
2024 · 65.0%
Current ratio
3.90▼
2024 · 3.95
Quick ratio
3.90▼
2024 · 3.95
Debt / equity
0.47▼
2024 · 0.54
ROE
20.5%▼
2024 · 41.4%
ROA
14.0%▼
2024 · 26.9%
Interest coverage
30.78▼
2024 · 53.55
Debt
€256k▼
2024 · €262k
Debt ≤ 1 year
€137k▲
2024 · €113k
Debt > 1 year
€119k▼
2024 · €149k
Income taxes
€51k▼
2024 · €93k
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€749k€806k▲
Fixed assets21/28€301k€272k▼
Tangible fixed assets22/27€301k€272k▼
Land and buildings22€141k€129k▼
Plant, machinery and equipment23€158k€142k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€448k€533k▲
Amounts receivable within one year40/41€43k€48k▲
Trade receivables40€43k€48k▲
Cash at bank and in hand54/58€402k€483k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€749k€806k▲
Equity10/15€487k€550k▲
Contributions10/11€6k€6k=
Reserves13€455k€515k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€453k€513k▲
Profit (loss) carried forward14€26k€29k▲
Amounts payable17/49€262k€256k▼
Amounts payable after more than one year17€149k€119k▼
Financial debts170/4€149k€119k▼
Amounts payable within one year42/48€113k€137k▲
Current portion of amounts payable after more than one year42€31k€32k▲
Financial debts43€4k€1k▼
Credit institutions430/8€4k€1k▼
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€27k€45k▲
Taxes450/3€27k€45k▲
Other amounts payable47/48€44k€55k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€330k€200k▼
Operating profit (loss)9901€300k€170k▼
Financial income75/76B€468€327▼
Recurring financial income75€468€327▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€294k€164k▼
Income taxes67/77€93k€51k▼
Profit (loss) for the period9904€202k€113k▼
Profit (loss) for the period to be appropriated9905€202k€113k▼
Appropriation of the result
Profit (loss) to be appropriated9906€226k€139k▼
Profit (loss) brought forward from the previous period14P€24k€26k▲
Transfer from equity791/2€50k€50k=
Transfer to equity691/2€200k€110k▼
To other reserves6921€200k€110k▼
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
03-07
State Gazette act
General meeting · Director appointment
Board composition · Board meeting
2025
31-12
Financial
Equity above €500kEq €550k ▲12.9%
8 profitable years in a row build equity to €550k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
03-04
State Gazette act
Board meeting · Director resignation
Director appointment · Power of attorney
2024
31-12
Financial
Highest result since 2018net €202k ▲127%
Operating result €300k, net result €202k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €55k ▼20.8%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €232k ▲42.6%
4 profitable years in a row build equity to €232k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €162k ▲46.4%
3 profitable years in a row build equity to €162k.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
31-12
Financial
Equity above €100kEq €111k ▲24.6%
2 profitable years in a row build equity to €111k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2012
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.
Winston Churchilllaan 1361180 UkkelGround area
993 m²
Building footprint
416 m²
Volume, LiDAR
6,841 m³
2 parcels, Brussels · tallest building 22.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Franz Merjaystraat 97, 1050 Elsene
since 20122.207.810.961
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0423/00A000 | Brussels | 737 m² | 1 · 317 m² | 20.6 m · 6 fl. |
| 21618B0279/00W002 | Brussels | 255 m² | 1 · 99 m² | 22.9 m · 4 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.
Structure & network
Ownership & control
1 partyPjC CONSULTINGBE 0843.899.406
controls
Where this company holds controlthis company sits on their board1
1 subsidiary · 1 location
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 33,889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.