SCOJH CONSULT
ActiveSummary
SCOJH CONSULT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €16k. Its solvency ranks better than 61% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency95▲+4
Growth52
Track record82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.61 in 2024; short-term debt: 30.3% and cash: 34.8% of total assets), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
69.7%
Return on assets
27.3%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 64.5%
2024 · €25k
2024: €25k
2024 → 2025
Total assets
€59k▲ 55.8%
2024 · €38k
2024: €38k
2024 → 2025
Net result
€16k▼ 23.2%
2024 · €21k
2024: €21k
2024 → 2025
Working capital
€34k▲ 64.2%
2024 · €21k
2024: €21k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€25k-€41k▲ 64.5%
Operating result€30k-€24k▼ 19.6%
Net result€21k-€16k▼ 23.2%
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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€7k ▲ 65.8%
Current assets
€52k ▲ 54.6%
Equity and liabilities €59k
Equity
€41k ▲ 64.5%
Debt
€18k ▲ 39.0%
Debt's share of the balance-sheet total falls from 33.9% to 30.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €30k
Cash flow
€19k▼
2024 · €21k
Current ratio
2.91▲
2024 · 2.61
Debt to equity
0.43▼
2024 · 0.51
ROE
39.2%▼
2024 · 84.0%
ROA
27.3%▼
2024 · 55.5%
Interest coverage
7.22▼
2024 · 9.62
Debt ≤ 1 year
€18k▲
2024 · €13k
Income taxes
€4k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€38k€59k▲
Fixed assets21/28€4k€7k▲
Tangible fixed assets22/27€4k€7k▲
Plant, machinery and equipment23€4k€7k▲
Current assets29/58€34k€52k▲
Amounts receivable within one year40/41€10k€28k▲
Trade receivables40€10k€10k▼
Other amounts receivable41-€18k
Cash at bank and in hand54/58€21k€20k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€38k€59k▲
Equity10/15€25k€41k▲
Contributions10/11€4k€4k=
Reserves13€21k€37k▲
Distributable reserves133€21k€37k▲
Amounts payable17/49€13k€18k▲
Amounts payable within one year42/48€13k€18k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€567-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€221€2k▲
Other operating charges640/8-€115
Gross operating margin9900€30k€26k▼
Operating profit (loss)9901€30k€24k▼
Financial income75/76B€10€367▲
Recurring financial income75€10€367▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€27k€21k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€21k€16k▼
Profit (loss) for the period to be appropriated9905€21k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€16k▼
Transfer to equity691/2€21k€16k▼
To other reserves6921€21k€16k▼
The notes to these accounts (6 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Tournai · 1 establishment unit since 2024
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.
Rue Saint-Jacques(TOU) 177500 TournaiGround area
569 m²
Building footprint
179 m²
Volume, LiDAR
2,256 m³
Parcel 57081E0276/00G002, Wallonia · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SCOJH CONSULT
since 20242.355.918.281
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081E0276/00G002 ProtectedMonument |
Wallonia | 569 m² | 1 · 179 m² | 15.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
254900766ZDQC36HP239
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,664 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sachahennaut@gmail.com