TJ 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 €261k and a net result of €131k. Equity is growing by ~131.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 2435 sector peers (fiscal year 2025). The company has been active since 2021 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 03-02-2026, 178 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
178 d early
2024
31 d early
2023
37 d early
2022
29 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€261k▲ 100%
2024 · €131k
2022: €-6k
2023: €21k
2024: €131k
2022 → 2025
Net result
€131k▲ 18.8%
2024 · €110k
2022: €-9k
2023: €27k
2024: €110k
2022 → 2025
Total assets
€513k▲ 11.3%
2024 · €461k
2022: €29k
2023: €81k
2024: €461k
2022 → 2025
Solvency
50.9%▲ 22.6pp
2024 · 28.3%
2022: -22.2%
2023: 25.3%
2024: 28.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-6k-€21k€131k▲ 534%€261k▲ 100%
Operating result€-7k-€34k€110k▲ 222%€201k▲ 82.5%
Net result€-9k-€27k€110k▲ 308%€131k▲ 18.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 82% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€357k▼ 3.5%
Current assets
€156k▲ 71.9%
Equity and liabilities €513k
Equity
€261k▲ 100%
Debt
€252k▼ 23.7%
The debt ratio falls from 71.7% to 49.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
50.9%▲
2024 · 28.3%
ROE
50.0%▼
2024 · 84.2%
ROA
25.4%▲
2024 · 23.8%
Debt
€252k▼
2024 · €331k
Debt ≤ 1 year
€49k▼
2024 · €57k
Debt > 1 year
€203k▼
2024 · €273k
Income taxes
€59k▲
2024 · €27k
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€461k€513k▲
Fixed assets21/28€370k€357k▼
Tangible fixed assets22/27€77k€61k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€71k€56k▼
Financial fixed assets28€294k€296k▲
Current assets29/58€91k€156k▲
Amounts receivable within one year40/41€9k€42k▲
Trade receivables40€1k€666▼
Other amounts receivable41€8k€42k▲
Cash at bank and in hand54/58€81k€114k▲
Deferred charges and accrued income490/1€590-
Equity and liabilities
Total equity and liabilities10/49€461k€513k▲
Equity10/15€131k€261k▲
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Share premium1100/10€3k€3k=
Reserves13€128k€259k▲
Distributable reserves133€128k€259k▲
Amounts payable17/49€331k€252k▼
Amounts payable after more than one year17€273k€203k▼
Financial debts170/4€273k€203k▼
Amounts payable within one year42/48€57k€49k▼
Current portion of amounts payable after more than one year42€50k€44k▼
Trade debts44€2k€350▼
Suppliers440/4€2k€350▼
Taxes, remuneration and social security45€420€214▼
Taxes450/3€420€214▼
Other amounts payable47/48€5k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€16k▲
Other operating charges640/8€897€1k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€121k€218k▲
Operating profit (loss)9901€110k€201k▲
Financial income75/76B€36k€238▼
Recurring financial income75€36k€238▼
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€137k€189k▲
Income taxes67/77€27k€59k▲
Profit (loss) for the period9904€110k€131k▲
Profit (loss) for the period to be appropriated9905€110k€131k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€131k▲
Transfer to equity691/2€110k€131k▲
To other reserves6921€110k€131k▲
The notes to these accounts (6 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
24-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €131k ▲18.8%
Operating result €201k, net result €131k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.19
Current ratio from 1.59 to 3.19; short-term debt falls from €57k to €49k.
31-12
Financial
Equity above €200kEq €261k ▲100%
3 profitable years in a row build equity to €261k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €131k ▲534%
2 profitable years in a row build equity to €131k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.54
Current ratio from 0.38 to 1.54.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mol · 1 establishment unit since 2021
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.
Turnhoutsebaan 802400 MolGround area
490 m²
Building footprint
145 m²
Volume, LiDAR
859 m³
Parcel 13432B0733/00E003, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TJ Consult
since 20212.322.799.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13432B0733/00E003 | Flanders | 490 m² | 1 · 145 m² | 10.9 m · 1 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.
Similar companies · same sector, comparable size
CW Finances
BE 0644.922.019
Neupré · Eq €261k
BAKEN 92
BE 0786.823.121
Buggenhout · Eq €261k
HEXA-GONE
BE 0863.886.948
Faimes · Eq €261k
Kantoor Haleydt
BE 0793.131.782
Wetteren · Eq €262k
I.C. OPPENHEIM
BE 0427.422.382
Brussel · Eq €261k
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2021
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.