Equity
€144,361 ▼ 36.2%
SJC paid out €205,890 in dividends. That is 166% of the 2025 profit.
SJC
Lifetime
4 annual accounts with figures on one time axispeak €45,975 (2023)
€35,543▲ 2.9%
peak €133,773 (2024)
€124,085▼ 7.2%
peak €226,167 (2024)
€144,361▼ 36.2%
€49,785▼ 29.8%
Board2 names since 2022
1 directorGOFFARD Uriel Julien Alphonse
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Dividend €205,890Equity from €226,167 to €144,361Debts from €70,969 to €49,785Cash from €8,701 to €59,743
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 62% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.4 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.1%▼ -0.5 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 4.13, cash €59,743
Figures for financial year 2025 (filed on 09-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 71% of them on solvency, 77% on liquidity, 84% on profitability and 16% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as SJC has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SJC itself is lower: 0.1% within 12 months. It rests on far more data about SJC than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for SJC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.13 (5.74 in 2024), above the usual 1.5. Short-term debt is 15.6% and cash 30.8% of total assets. 25.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 days early
2024
2 days early
2023
2 days early
2022
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 7 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GOFFARD Uriel Julien Alphonse 100 sharesdeed of 06-04-2022
Shares in 1 company, SJC3D Méca
Board & ownershipRecent changes
1 director appointed, 1 resignation
Resignation: Uriel Goffard · Appointment: SRL LHR GROUP · Permanent representative: Pierre LABALUE · General meeting of 14-07-2026 · Gazette deed
Registered office moved from Soumagne to Herve
New registered office: Rue de Biomont, 140 4650 Herve BELGIUM · Previous registered office: Rue Campagne, 194 4631 Soumagne BELGIUM · General meeting of 05-02-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0784434347
Incorporation
Founding capital of €3,000, 100 shares · Founder: GOFFARD Uriel Julien Alphonse · Appointment: GOFFARD Uriel Julien Alphonse (director) · published on 06-04-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SJC Herve | €194,146 | €35,543 | 74.4% | - |
| D&Y. ADVICE Chaudfontaine | €177,207 | €40,628 | 87.9% | - |
| NiKaHO Sprimont | €178,862 | €33,290 | 32.3% | - |
| CARE MANAGEMENT Seraing | €223,692 | €37,220 | 50.2% | - |
| LENOIR L. Theux | €206,087 | €35,748 | 21.2% | - |
| PM Mertens Oudsbergen | €187,969 | €35,744 | 89.0% | - |
| EfficientBoards Genappe | €198,496 | €38,337 | 70.9% | - |
These companies have the same main activity as SJC: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €177,000 and €224,000, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 04-04-2022Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.330.491.8114650 Herve, since 04-04-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 24-05-2024
Annual accounts 2025
- €194,146▼ 34.7%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on SJC
SJC files the abbreviated format. That format states no turnover. The gross margin rose from €13,816 in 2022 to €35,543 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SJC
- What is the company number of SJC?
- The company number of SJC is 0784.434.347. The VAT number is the same number with BE in front: BE 0784.434.347.
- Where is SJC based?
- The registered office is at Rue de Biomont 140, 4650 Herve.Company details
- What does SJC do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of SJC?
- SJC is a private limited company (BV).
- When was SJC founded?
- SJC was founded on 04-04-2022.
- Is SJC still active?
- Yes, SJC is an active enterprise in the KBO register.
- What is the turnover of SJC?
- The turnover in financial year 2025 is ≈ €93,000. This figure is estimated from the gross margin of €35,543 and 69 comparable companies (NACE 70200). It probably lies between €57,000 and €140,000.Financials
- Is SJC profitable?
- In financial year 2025, SJC made a profit of €124,085.
- Where can I find the annual accounts of SJC?
- SJC filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SJC due?
- SJC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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