SJ Consultancy
ActiveSJ Consultancy has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-2k. Equity is shrinking by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 13.57 against 20.64 in 2024), and 6.1% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
93.9%
Return on assets
-6%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2022232425
2020 to 2025 · latest year -€2k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
33 d early
2024
46 d early
2023
44 d early
2022
4 d early
2020
22 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 6.0%
2024 · €35k
2020: €54k
2022: €58k
2023: €48k
2024: €35k
2020 → 2025
Total assets
€35k▼ 4.7%
2024 · €37k
2020: €74k
2022: €59k
2023: €49k
2024: €37k
2020 → 2025
Net result
€-2k▲ 82.8%
2024 · €-12k
2020: €50k
2022: €-15k
2023: €-10k
2024: €-12k
2020 → 2025
Working capital
€27k▼ 21.7%
2024 · €35k
2020: €52k
2022: €56k
2023: €46k
2024: €35k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€54k-€58k▲ 7.6%€48k▼ 17.2%€35k▼ 26.0%€33k▼ 6.0%
Operating result€63k-€-14k€-10k▲ 31.7%€-12k▼ 24.2%€-2k▲ 86.1%
Net result€50k-€-15k€-10k▲ 31.6%€-12k▼ 24.3%€-2k▲ 82.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€6k▲ 556%
Current assets
€29k▼ 19.6%
Equity and liabilities €35k
Equity
€33k▼ 6.0%
Debt
€2k▲ 22.3%
The debt ratio rises from 4.7% to 6.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-953▲
2024 · €-12k
Cash flow
€-1k▲
2024 · €-12k
Solvency
93.9%▼
2024 · 95.3%
Current ratio
13.57▼
2024 · 20.64
Quick ratio
13.57▼
2024 · 20.64
Debt / equity
0.06▲
2024 · 0.05
ROE
-6.4%▲
2024 · -34.9%
ROA
-6.0%▲
2024 · -33.3%
Interest coverage
-28.44▲
2024 · -297.76
Debt
€2k▲
2024 · €2k
Debt ≤ 1 year
€2k▲
2024 · €2k
Income taxes
€580▲
2024 · €71
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€37k€35k▼
Fixed assets21/28€964€6k▲
Tangible fixed assets22/27€964€6k▲
Furniture and vehicles24€964€6k▲
Current assets29/58€36k€29k▼
Amounts receivable within one year40/41€6k€11k▲
Trade receivables40€1k€7k▲
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€29k€16k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€37k€35k▼
Equity10/15€35k€33k▼
Contributions10/11€4k€4k=
Reserves13€44k€44k=
Distributable reserves133€44k€44k=
Profit (loss) carried forward14€-12k€-15k▼
Amounts payable17/49€2k€2k▲
Amounts payable within one year42/48€2k€2k▲
Trade debts44€527€2k▲
Suppliers440/4€527€2k▲
Taxes, remuneration and social security45€273€553▲
Taxes450/3€273€553▲
Other amounts payable47/48€957-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€659€753▲
Other operating charges640/8€0-
Gross operating margin9900€-12k€-953▲
Operating profit (loss)9901€-12k€-2k▲
Financial income75/76B€0€185▲
Recurring financial income75€0€185▲
Financial charges65/66B€39€34▼
Recurring financial charges65€39€34▼
Profit (loss) for the period before taxes9903€-12k€-2k▲
Income taxes67/77€71€580▲
Profit (loss) for the period9904€-12k€-2k▲
Profit (loss) for the period to be appropriated9905€-12k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-15k▼
Profit (loss) brought forward from the previous period14P€0€-12k▼
Transfer to equity691/2€0-
To other reserves6921€0-
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
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-15k ▼129%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 13current ratio 47.40
Current ratio from 3.63 to 47.40; short-term debt falls from €20k to €1k.
2021
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grimbergen · 1 establishment unit since 2019
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.
Brassershof 61851 GrimbergenGround area
857 m²
Building footprint
164 m²
Volume, LiDAR
1,238 m³
Parcel 23036B0395/00P002, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SJ Consultancy
since 20192.290.881.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0395/00P002 | Flanders | 856 m² | 1 · 164 m² | 10.2 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 35,266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2019
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.