SJB Consulting
ActiveSJB Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €70k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-3
Growth58▲+6
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 3.54 in 2024), and 43.8% 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○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
56.2%
Return on assets
37.8%
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 21-05-2026, 71 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
71 d early
2024
66 d early
2023
14 d early
2022
10 d late
2021
17 d early
2020
25 d late
2019
on the day
← 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
€104k▼ 40.9%
2024 · €176k
2018: €110k
2019: €183k
2020: €268k
2021: €368k
2022: €390k
2023: €241k
2024: €176k
2018 → 2025
Total assets
€185k▼ 24.6%
2024 · €246k
2018: €130k
2019: €194k
2020: €308k
2021: €403k
2022: €397k
2023: €301k
2024: €246k
2018 → 2025
Net result
€70k▲ 15.6%
2024 · €61k
2018: €63k
2019: €72k
2020: €85k
2021: €100k
2022: €109k
2023: €53k
2024: €61k
2018 → 2025
Working capital
€101k▼ 42.6%
2024 · €176k
2018: €110k
2019: €183k
2020: €266k
2021: €367k
2022: €389k
2023: €240k
2024: €176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€390k▲ 6.0%€241k▼ 38.2%€176k▼ 26.9%€104k▼ 40.9%
Operating result€120k-€132k▲ 10.1%€61k▼ 54.0%€73k▲ 19.6%€85k▲ 17.4%
Net result€100k-€109k▲ 9.5%€53k▼ 51.1%€61k▲ 13.3%€70k▲ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€3k▲ 425%
Current assets
€182k▼ 25.7%
Equity and liabilities €185k
Equity
€104k▼ 40.9%
Debt
€81k▲ 16.9%
The debt ratio rises from 28.2% to 43.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€86k▲
2024 · €73k
Cash flow
€71k▲
2024 · €61k
Solvency
56.2%▼
2024 · 71.8%
Current ratio
2.25▼
2024 · 3.54
Quick ratio
2.25▼
2024 · 3.54
Debt / equity
0.78▲
2024 · 0.39
ROE
67.3%▲
2024 · 34.4%
ROA
37.8%▲
2024 · 24.7%
Interest coverage
528.68▲
2024 · 330.61
Debt
€81k▲
2024 · €69k
Debt ≤ 1 year
€81k▲
2024 · €69k
Income taxes
€18k▲
2024 · €17k
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€246k€185k▼
Fixed assets21/28€613€3k▲
Tangible fixed assets22/27€613€3k▲
Furniture and vehicles24€613€3k▲
Current assets29/58€245k€182k▼
Amounts receivable after more than one year29€152k€88k▼
Other amounts receivable291€152k€88k▼
Amounts receivable within one year40/41€20k€35k▲
Trade receivables40€13k€29k▲
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€73k€59k▼
Deferred charges and accrued income490/1€96€98▲
Equity and liabilities
Total equity and liabilities10/49€246k€185k▼
Equity10/15€176k€104k▼
Contributions10/11€19k€19k=
Reserves13€158k€85k▼
Distributable reserves133€158k€85k▼
Amounts payable17/49€69k€81k▲
Amounts payable within one year42/48€69k€81k▲
Financial debts43-€82
Credit institutions430/8-€82
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€61k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€231€713▲
Other operating charges640/8€387€400▲
Gross operating margin9900€73k€87k▲
Operating profit (loss)9901€73k€85k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€221€163▼
Recurring financial charges65€221€163▼
Profit (loss) for the period before taxes9903€77k€88k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€61k€70k▲
Profit (loss) for the period to be appropriated9905€61k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€70k▲
Transfer from equity791/2€65k€72k▲
Profit to be distributed694/7€125k€142k▲
Return on contributions (dividend)694€125k€142k▲
The notes to these accounts (5 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €53k ▼51.1%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Highest result since 2018net €109k ▲9.5%
Operating result €132k, net result €109k, both a record.
31-12
Financial
Liquidity times 5current ratio 55.62
Current ratio from 11.53 to 55.62; short-term debt falls from €35k to €7k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €200kEq €268k ▲46.8%
3 profitable years in a row build equity to €268k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 17.40
Current ratio from 6.55 to 17.40; short-term debt falls from €20k to €11k.
31-12
Financial
Equity above €150kEq €183k ▲65.4%
2 profitable years in a row build equity to €183k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Tervuren · 1 establishment unit since 2016
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.
Smisstraat 23080 TervurenGround area
471 m²
Building footprint
144 m²
Volume, LiDAR
1,058 m³
Parcel 24114B0311/00E000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SJB Consulting
since 20162.255.938.601
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0311/00E000 | Flanders | 471 m² | 1 · 144 m² | 10.2 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.