SJF Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €340k and a net result of €60k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 7980 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €340k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
44 d early
2023
16 d early
2022
19 d early
2021
23 d early
2020
40 d early
2019
15 d early
← 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
€340k▲ 10.8%
2024 · €306k
2018: €477k
2019: €504k
2020: €514k
2021: €533k
2022: €561k
2023: €290k
2024: €306k
2018 → 2025
Net result
€60k▼ 8.7%
2024 · €66k
2018: €38k
2019: €27k
2020: €10k
2021: €18k
2022: €64k
2023: €108k
2024: €66k
2018 → 2025
Total assets
€499k▼ 16.8%
2024 · €600k
2018: €628k
2019: €643k
2020: €810k
2021: €791k
2022: €740k
2023: €545k
2024: €600k
2018 → 2025
Solvency
68.1%▲ 17.0pp
2024 · 51.1%
2018: 75.9%
2019: 78.4%
2020: 63.4%
2021: 67.3%
2022: 75.8%
2023: 53.3%
2024: 51.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€533k-€561k▲ 5.4%€290k▼ 48.3%€306k▲ 5.6%€340k▲ 10.8%
Operating result€33k-€94k▲ 186%€165k▲ 75.5%€101k▼ 38.6%€94k▼ 7.4%
Net result€18k-€64k▲ 247%€108k▲ 70.0%€66k▼ 38.9%€60k▼ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €499k
Fixed assets
€475k▼ 9.4%
Current assets
€24k▼ 68.4%
Equity and liabilities €499k
Equity
€340k▲ 10.8%
Provisions
€53k=
Debt
€107k▼ 55.7%
The debt ratio falls from 40.2% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
68.1%▲
2024 · 51.1%
ROE
17.7%▼
2024 · 21.5%
ROA
12.1%▲
2024 · 11.0%
Debt
€107k▼
2024 · €241k
Debt ≤ 1 year
€71k▼
2024 · €124k
Debt > 1 year
€33k▼
2024 · €115k
Income taxes
€27k▲
2024 · €26k
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€600k€499k▼
Fixed assets21/28€524k€475k▼
Tangible fixed assets22/27€524k€475k▼
Land and buildings22€465k€437k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€53k€33k▼
Current assets29/58€76k€24k▼
Amounts receivable within one year40/41€65k€7k▼
Trade receivables40€64k€2k▼
Other amounts receivable41€949€5k▲
Cash at bank and in hand54/58€9k€17k▲
Deferred charges and accrued income490/1€2k€686▼
Equity and liabilities
Total equity and liabilities10/49€600k€499k▼
Equity10/15€306k€340k▲
Contributions10/11€13k€13k=
Reserves13€293k€326k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€292k€325k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€53k€53k=
Provisions for liabilities and charges160/5€53k€53k=
Pensions and similar obligations160€53k€53k=
Amounts payable17/49€241k€107k▼
Amounts payable after more than one year17€115k€33k▼
Financial debts170/4€115k€33k▼
Amounts payable within one year42/48€124k€71k▼
Current portion of amounts payable after more than one year42€30k€26k▼
Financial debts43€37k€11k▼
Credit institutions430/8€37k€11k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€26k€14k▼
Taxes450/3€26k€14k▼
Other amounts payable47/48€29k€18k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€49k▲
Other operating charges640/8€4k€726▼
Gross operating margin9900€147k€144k▼
Operating profit (loss)9901€101k€94k▼
Financial income75/76B€10€22▲
Recurring financial income75€10€22▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€92k€87k▼
Income taxes67/77€26k€27k▲
Profit (loss) for the period9904€66k€60k▼
Profit (loss) for the period to be appropriated9905€66k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€60k▼
Transfer from equity791/2€50k€27k▼
Transfer to equity691/2€66k€60k▼
To other reserves6921€66k€60k▼
Profit to be distributed694/7€50k€27k▼
Return on contributions (dividend)694€50k€27k▼
The notes to these accounts (10 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €108k ▲70%
Operating result €165k, net result €108k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €10k ▼62.1%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €504k ▲5.7%
2 profitable years in a row build equity to €504k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
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
6 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, Middelkerke · 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.
Zeedijk 3278430 MiddelkerkeGround area
432 m²
Building footprint
341 m²
Volume, LiDAR
7,220 m³
Parcel 35323D0595/00N044, Flanders · tallest building 32.7 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
SJF Consult
since 20162.258.925.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35323D0595/00N044 | Flanders | 432 m² | 1 · 341 m² | 32.7 m · 9 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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TECHNOLOGY AUTOMOTIVE BUSINESS CONSULTING
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GeNie
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-11-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.