PJLP Consultancy

Active

Private limited companyfounded 20232 yrs activeHoekske 2, 8793 Waregem, BelgiumKBO/BCE: BE 1002.108.978

PJLP Consultancy has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €80k. Its solvency ranks better than 64% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

91 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency97▼-3

Growth38

Track record82

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days only on tighter terms

Liquidity ample (current ratio 3.59 against 3.94 in 2024; short-term debt: 27.7% and cash: 92.8% of total assets), and 27.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

72.3%

Return on assets

43.8%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

94 d early

2024

100 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€137k▼ 7.5%

2024 · €148k

2024: €148k

2024 → 2025

EBIT margin

73.5%▲ 1.3pp

2024 · 72.2%

2024: 72.2%

2024 → 2025

Net result

€80k▼ 5.7%

2024 · €85k

2024: €85k

2024 → 2025

Working capital

€131k▲ 52.7%

2024 · €86k

2024: €86k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Turnover€148k-€137k▼ 7.5%

Equity€87k-€132k▲ 52.0%

Operating result€107k-€100k▼ 5.8%

Net result€85k-€80k▼ 5.7%

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 6% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €183k

99.4%

Fixed assets €1k▲ 0.3%

Current assets €181k▲ 58.0%

Equity and liabilities €183k

72.3%

27.7%

Equity €132k▲ 52.0%

Debt €51k▲ 73.6%

The debt ratio rises from 25.1% to 27.7%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€101k▼

2024 · €108k

Cash flow

€81k▼

2024 · €87k

Solvency

72.3%▼

2024 · 74.9%

Current ratio

3.59▼

2024 · 3.94

Quick ratio

3.59▼

2024 · 3.94

Debt / equity

0.38▲

2024 · 0.34

ROE

60.6%▼

2024 · 97.7%

ROA

43.8%▼

2024 · 73.2%

Interest coverage

2043.15▲

2024 · 422.94

Debt

€51k▲

2024 · €29k

Debt ≤ 1 year

€51k▲

2024 · €29k

Income taxes

€20k▼

2024 · €22k

Staff costs

€4k▼

2024 · €4k

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€116k€183k▲

Fixed assets21/28€1k€1k▲

Tangible fixed assets22/27€1k€1k▲

Plant, machinery and equipment23€1k€1k▲

Current assets29/58€115k€181k▲

Amounts receivable within one year40/41€10k€12k▲

Trade receivables40€10k€12k▲

Current investments50/53€28k-

Cash at bank and in hand54/58€77k€169k▲

Deferred charges and accrued income490/1-€160

Equity and liabilities

Total equity and liabilities10/49€116k€183k▲

Equity10/15€87k€132k▲

Contributions10/11€2k€2k=

Reserves13-€50k

Non-distributable reserves130/1-€50k

Reserves not available under the articles1311-€50k

Profit (loss) carried forward14€85k€80k▼

Amounts payable17/49€29k€51k▲

Amounts payable within one year42/48€29k€51k▲

Trade debts44€163€149▼

Suppliers440/4€163€149▼

Taxes, remuneration and social security45€29k€50k▲

Taxes450/3€29k€50k▲

Other amounts payable47/48€216-

Income statement Code20242025

Turnover70€148k€137k▼

Non-recurring operating income76A€543€478▼

Goods, raw materials, services and sundry goods60/61€35k€32k▼

Remuneration, social security and pensions62€4k€4k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€864▼

Other operating charges640/8€397€390▼

Gross operating margin9900€113k€105k▼

Operating profit (loss)9901€107k€100k▼

Financial income75/76B€776€187▼

Recurring financial income75€776€187▼

Financial charges65/66B€256€50▼

Recurring financial charges65€256€50▼

Profit (loss) for the period before taxes9903€107k€101k▼

Income taxes67/77€22k€20k▼

Profit (loss) for the period9904€85k€80k▼

Profit (loss) for the period to be appropriated9905€85k€80k▼

Appropriation of the result

Profit (loss) to be appropriated9906€85k€165k▲

Profit (loss) brought forward from the previous period14P-€85k

Transfer to equity691/2-€50k

To the legal reserve6920-€50k

Profit to be distributed694/7-€35k

Directors or managers695-€35k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €132k ▲52%

2 profitable years in a row build equity to €132k.

22-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

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, Waregem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Hoekske 28793 Waregem

Ground area

361 m²

Building footprint

91 m²

Volume, LiDAR

453 m³

Parcel 34035B0195/00V004, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PJLP Consultancy

Hoekske 2, 8793 WaregemOther printing

since 20232.351.754.211

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34035B0195/00V004	Flanders	361 m²	1 · 91 m²	6.7 m · 2 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.

Similar companies · same sector, comparable size

Beveren-Kruibeke-Zwijndrecht · Eq €132k

Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,419 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-11-2023

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

43211General electrical installation work

62010Computer programming, consultancy and related activities

62900Other information technology and computer services

62100Computer programming

82100Office administrative and support services

82110Office administrative, office support and other business support activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.