SFJ Consulting
ActiveSummary
SFJ Consulting has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €48k. Its solvency ranks better than 65% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
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=
Solvency98▲+8
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 3.65 against 2.63 in 2024; short-term debt: 26.9% and cash: 79.3% of total assets), and 26.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
73.1%
Return on assets
47.4%
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 01-04-2026, 121 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
121 d early
2024
134 d early
← 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
€74k▲ 176%
2024 · €27k
2024: €27k
2024 → 2025
Total assets
€101k▲ 145%
2024 · €41k
2024: €41k
2024 → 2025
Net result
€48k▲ 91.2%
2024 · €25k
2024: €25k
2024 → 2025
Working capital
€72k▲ 203%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€27k-€74k▲ 176%
Operating result€33k-€63k▲ 89.1%
Net result€25k-€48k▲ 91.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 89% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€2k ▼ 39.6%
Current assets
€100k ▲ 159%
Equity and liabilities €101k
Equity
€74k ▲ 176%
Debt
€27k ▲ 86.9%
Debt's share of the balance-sheet total falls from 35.3% to 26.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €34k
Cash flow
€49k▲
2024 · €26k
Current ratio
3.65▲
2024 · 2.63
Debt to equity
0.37▼
2024 · 0.54
ROE
64.9%▼
2024 · 93.8%
ROA
47.4%▼
2024 · 60.7%
Interest coverage
29.96▲
2024 · 22.15
Debt ≤ 1 year
€27k▲
2024 · €15k
Income taxes
€13k▲
2024 · €7k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€101k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€38k€100k▲
Amounts receivable within one year40/41€11k€11k▲
Trade receivables40€11k€11k▲
Cash at bank and in hand54/58€17k€80k▲
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€41k€101k▲
Equity10/15€27k€74k▲
Contributions10/11€3k€3k=
Reserves13€24k€72k▲
Distributable reserves133€24k€72k▲
Amounts payable17/49€15k€27k▲
Amounts payable within one year42/48€15k€27k▲
Trade debts44€2k€604▼
Suppliers440/4€2k€604▼
Taxes, remuneration and social security45€12k€25k▲
Taxes450/3€12k€25k▲
Other amounts payable47/48€839€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€556€1k▲
Gross operating margin9900€34k€64k▲
Operating profit (loss)9901€33k€63k▲
Financial income75/76B€21€137▲
Recurring financial income75€21€137▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€32k€61k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€25k€48k▲
Profit (loss) for the period to be appropriated9905€25k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€48k▲
Transfer to equity691/2€24k€47k▲
To other reserves6921€24k€47k▲
Profit to be distributed694/7€839€833▼
Return on contributions (dividend)694€839€833▼
The notes to these accounts (4 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Mechelen · 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.
Belgradestraat 862800 MechelenGround area
3,128 m²
Building footprint
120 m²
Volume, LiDAR
944 m³
Parcel 12403E0360/00S000, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SFJ Consulting
since 20242.358.851.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0360/00S000 | Flanders | 3,128 m² | 1 · 120 m² | 9.7 m · 3 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
RL ENGINEERING
BE 0842.046.013
Evergem · Eq €74,103
LAMPYRIDA
BE 0793.284.509
Hemiksem · Eq €74,102
Salusec
BE 1001.469.966
Ternat · Eq €74,091
PBEST CONSULTING
BE 0776.784.809
Leuven · Eq €74,119
Van Eynde MC
BE 1022.784.529
Bierbeek · Eq €74,122
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,561 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
Founded22-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
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.