Financials
- Fiscal year
- 2025
- Total assets
- €479,907
- Profit
- €300,811
- Solvency
- 3.9%
Total assets▲ 59.1%
Net result
20182025
T' SJAC
ActiveSummary
T' SJAC has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €300,811. Equity is shrinking by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 11% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€479,907total assets 2025
- Equity
- €18,600
- Profit
- €300,811
Turnover not published (abridged schema)
Structure
- Holdings
- 1
Accounts 92 d early0 of 2 deeds read
Why 91- Equity €18,600 (3.9% of total assets)+ Size: total assets €479,907+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Figures for FY 2025 (filed 30-04-2026)Show the evidence
Checked score
Score 2025
91
/ 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
29-3
equity 3.9% of total assets
Liquidity
17-11
short-term debt 84.9% · cash 11.2%
Profitability
100+4
return on assets 62.7%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 9 months
02-2026: 0.1%
03-2026: 0.1%● 0.0% vs 02-2026
04-2026: 0.2%▲ +6.3% vs 03-2026highest value
05-2026: 0.1%▼ -33.1% vs 04-2026lowest value
06-2026: 0.1%● 0.0% vs 05-2026lowest value
07-2026: 0.1%● 0.0% vs 06-2026lowest value
08-2026: 0.1%● 0.0% vs 07-2026lowest value
09-2026: 0.1%● 0.0% vs 08-2026lowest value
10-2026: 0.1%● 0.0% vs 09-2026lowest value
- Size: total assets €479,907 lowers the probability for this profile
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Equity €18,600 (3.9% of total assets) raises the probability
- Figures for FY 2025 (filed 30-04-2026) lowers the probability
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.48 in 2024; short-term debt: 84.9% and cash: 11.2% of total assets), and 96.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 12%, liquidity 7%, profitability 85%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9508 sector peers (2025).
NBB · sector comparisonPosition among 9508 sector peers
Solvency
better than 11%
← weakest
strongest →
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 30-04-2026, 92 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
92 d early
2024
2 d early
2023
12 d late
2022
21 d early
2021
37 d early
2020
9 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Annual accounts filedfiscal year 2023 · abbreviated…
Key points
By topic
Network & group
- Holdings
- 1
1 holding
Timeline
- Events
- 12
- Since
- 2019
- Next accounts
- by 31-07-2027
- 30-04-2026Annual accounts filed
- 29-07-2025Annual accounts filed
- 12-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 08-11-2017
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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