SMJ CONSULT
ActiveSMJ CONSULT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €21. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 27172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 15.7 against 47.35 in 2023), and 6.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
93.7%
Return on assets
0%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-11-2025, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2023
61 d late
2022
4 d late
2021
22 d late
2020
89 d late
2019
102 d late
2018
117 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€235k=
2023 · €235k
2018: €108k
2019: €137k
2020: €143k
2021: €150k
2022: €150k
2023: €235k
2018 → 2025
Total assets
€251k▲ 4.5%
2023 · €241k
2018: €113k
2019: €140k
2020: €149k
2021: €158k
2022: €157k
2023: €241k
2018 → 2025
Net result
€21▼ 100.0%
2023 · €85k
2018: €11k
2019: €29k
2020: €6k
2021: €7k
2022: €231
2023: €85k
2018 → 2025
Working capital
€235k▼ 0.4%
2023 · €235k
2018: €103k
2019: €136k
2020: €139k
2021: €144k
2022: €150k
2023: €235k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€143k-€150k▲ 4.9%€150k▲ 0.2%€235k▲ 56.6%€235k=
Operating result€11k-€20k▲ 76.8%€5k▼ 76.3%€114k▲ 2,355%€655▼ 99.4%
Net result€6k-€7k▲ 12.4%€231▼ 96.7%€85k▲ 36,728%€21▼ 100.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2023 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €251k
Fixed assets
€934
Current assets
€250k
Equity and liabilities €251k
Equity
€235k=
Debt
€16k▲ 214%
The debt ratio rises from 2.1% to 6.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€2k
Cash flow
€955
Solvency
93.7%▼
2023 · 97.9%
Current ratio
15.70▼
2023 · 47.35
Quick ratio
15.63▼
2023 · 47.35
Debt / equity
0.07▲
2023 · 0.02
ROE
0.0%▼
2023 · 36.1%
ROA
0.0%▼
2023 · 35.4%
Interest coverage
144.45
Debt
€16k▲
2023 · €5k
Debt ≤ 1 year
€16k▲
2023 · €5k
Income taxes
€572▼
2023 · €29k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€241k€251k▲
Fixed assets21/28-€934
Tangible fixed assets22/27-€934
Plant, machinery and equipment23-€934
Current assets29/58€241k€250k▲
Stocks and contracts in progress3-€1k
Contracts in progress37-€1k
Amounts receivable within one year40/41€234k€246k▲
Trade receivables40-€18k
Other amounts receivable41€234k€228k▼
Cash at bank and in hand54/58€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€241k€251k▲
Equity10/15€235k€235k=
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€213k€213k=
Amounts payable17/49€5k€16k▲
Amounts payable within one year42/48€5k€16k▲
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45-€842
Taxes450/3-€842
Other amounts payable47/48€5k€10k▲
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€934
Other operating charges640/8€204-
Gross operating margin9900€114k€2k▼
Operating profit (loss)9901€114k€655▼
Financial charges65/66B€163€62▼
Recurring financial charges65€145€11▼
Non-recurring financial charges66B€18€51▲
Profit (loss) for the period before taxes9903€114k€593▼
Income taxes67/77€29k€572▼
Profit (loss) for the period9904€85k€21▼
Profit (loss) for the period to be appropriated9905€85k€21▼
Appropriation of the result
Profit (loss) to be appropriated9906€213k€213k=
Profit (loss) brought forward from the previous period14P€128k€213k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
31-03
Financial
Weakest financial yearnet €21 ▼100%
Net result drops to €21, the lowest in the series.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €85k ▲36728%
Operating result €114k, net result €85k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 47.35
Current ratio from 23.06 to 47.35; short-term debt falls from €7k to €5k.
31-12
Financial
Equity above €200kEq €235k ▲56.6%
6 profitable years in a row build equity to €235k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €150kEq €150k ▲4.9%
4 profitable years in a row build equity to €150k.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 46.82
Current ratio from 22.06 to 46.82; short-term debt falls from €5k to €3k.
25-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 117 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
29-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 90 days late
2016
04-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Thuin · 1 establishment unit since 2010
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.
Rue de Marbaix(GOZ) 116534 ThuinGround area
1,694 m²
Building footprint
242 m²
Volume, LiDAR
1,748 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREAT'YX
since 20102.188.120.951
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56030C0062/00K000 | Wallonia | 1,084 m² | 1 · 119 m² | 10.7 m · 3 fl. |
| 25076A0225/00C000 | Wallonia | 610 m² | 1 · 122 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
VANDERFAEILLIE CONSTRUCT
BE 0653.964.991
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VaBog
BE 0670.492.605
Puurs-Sint-Amands · Eq €236k
AFSLUITINGEN WEMA
BE 0716.768.731
Tessenderlo-Ham · Eq €235k
Tom Verhaeghe
BE 0700.922.592
Oostrozebeke · Eq €236k
STEPS MEUBLES
BE 0738.591.850
Baelen · Eq €235k
Of 19,949 companies in sector 43320 we hold annual accounts for 9,076. 7,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2010
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.