TJ CONSULTING
ActiveTJ CONSULTING has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €34k. Equity is growing by ~53.4% per year across the filed fiscal years. Its solvency ranks better than 80% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 6.49 in 2024; short-term debt: 17.1% and cash: 86.7% of total assets), and 17.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
82.9%
Return on assets
27.9%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 50.7%
2024 · €67k
2023: €29k
2024: €67k
2023 → 2025
Total assets
€121k▲ 53.8%
2024 · €79k
2023: €43k
2024: €79k
2023 → 2025
Net result
€34k▼ 9.6%
2024 · €37k
2023: €26k
2024: €37k
2023 → 2025
Working capital
€100k▲ 50.7%
2024 · €67k
2023: €29k
2024: €67k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€29k-€67k▲ 128%€100k▲ 50.7%
Operating result€34k-€48k▲ 43.6%€44k▼ 9.4%
Net result€26k-€37k▲ 42.1%€34k▼ 9.6%
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 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €121k
Equity
€100k▲ 50.7%
Debt
€21k▲ 70.7%
The debt ratio rises from 15.4% to 17.1%. Equity and debt are higher.
Key figures and ratios
Solvency
82.9%▼
2024 · 84.6%
Current ratio
5.84▼
2024 · 6.49
Quick ratio
5.84▼
2024 · 6.49
Debt / equity
0.21▲
2024 · 0.18
ROE
33.6%▼
2024 · 56.0%
ROA
27.9%▼
2024 · 47.4%
Debt
€21k▲
2024 · €12k
Debt ≤ 1 year
€21k▲
2024 · €12k
Income taxes
€9k▼
2024 · €10k
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€79k€121k▲
Current assets29/58€79k€121k▲
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€15k€15k▼
Other amounts receivable41€888€1k▲
Cash at bank and in hand54/58€63k€105k▲
Deferred charges and accrued income490/1€46€67▲
Equity and liabilities
Total equity and liabilities10/49€79k€121k▲
Equity10/15€67k€100k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€64k€97k▲
Amounts payable17/49€12k€21k▲
Amounts payable within one year42/48€12k€21k▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€12k€19k▲
Taxes450/3€12k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€325-
Other operating charges640/8€53€467▲
Gross operating margin9900€49k€44k▼
Operating profit (loss)9901€48k€44k▼
Financial income75/76B€24€72▲
Recurring financial income75€24€72▲
Financial charges65/66B€946€698▼
Recurring financial charges65€946€698▼
Profit (loss) for the period before taxes9903€47k€43k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€37k€34k▼
Profit (loss) for the period to be appropriated9905€37k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€97k▲
Profit (loss) brought forward from the previous period14P€26k€64k▲
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
Next filing, fiscal year 2026, expected by
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
Financial
Equity above €100kEq €100k ▲50.7%
3 profitable years in a row build equity to €100k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €37k ▲42.1%
Operating result €48k, net result €37k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 6.49
Current ratio from 3.04 to 6.49; short-term debt falls from €14k to €12k.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Diepenbeek · 1 establishment unit since 2023
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.
Onderwijslaan 143590 DiepenbeekGround area
2,841 m²
Building footprint
258 m²
Parcel 71011I1389/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
TJ CONSULTING
since 20232.343.737.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I1389/00A000 | Flanders | 2,841 m² | 1 · 258 m² | - |
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
O.V.D. CONSULTING
BE 0476.503.590
Gent · Eq €100k
Meersman & Co
BE 0466.293.153
Stekene · Eq €100k
Geenens Consulting
BE 0887.169.918
Wevelgem · Eq €100k
CORALIUM
BE 0849.689.415
Diepenbeek · Eq €100k
ACJ
BE 0881.843.727
Waasmunster · Eq €100k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 40,593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2023
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.