TJM CONSULTING
ActiveTJM CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €75k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+7
Solvency55▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 2.1 in 2024; short-term debt: 14.5% and cash: 1.9% of total assets), and 70.2% 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
29.8%
Return on assets
13%
Age of the figures
9 mo
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 11-03-2026, 142 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
142 d early
2024
51 d early
2023
89 d early
2022
40 d early
2021
61 d early
2020
66 d early
2019
64 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 9.8%
2024 · €157k
2019: €4k
2020: €31k
2021: €106k
2022: €153k
2023: €186k
2024: €157k
2019 → 2025
Total assets
€580k▼ 5.2%
2024 · €612k
2019: €36k
2020: €64k
2021: €152k
2022: €187k
2023: €255k
2024: €612k
2019 → 2025
Net result
€75k▲ 64.3%
2024 · €46k
2019: €-1k
2020: €27k
2021: €76k
2022: €46k
2023: €84k
2024: €46k
2019 → 2025
Working capital
€7k▼ 93.8%
2024 · €104k
2019: €-8k
2020: €24k
2021: €104k
2022: €153k
2023: €186k
2024: €104k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€153k▲ 43.5%€186k▲ 22.1%€157k▼ 15.6%€173k▲ 9.8%
Operating result€98k-€59k▼ 39.3%€107k▲ 79.3%€41k▼ 61.1%€103k▲ 147%
Net result€76k-€46k▼ 39.0%€84k▲ 81.2%€46k▼ 45.3%€75k▲ 64.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 147% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €580k
Fixed assets
€489k▲ 18.5%
Current assets
€91k▼ 54.4%
Equity and liabilities €580k
Equity
€173k▲ 9.8%
Debt
€407k▼ 10.4%
The debt ratio falls from 74.3% to 70.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €105k
Cash flow
€93k▼
2024 · €109k
Solvency
29.8%▲
2024 · 25.7%
Current ratio
1.08▼
2024 · 2.10
Quick ratio
1.08▼
2024 · 2.10
Debt / equity
2.36▼
2024 · 2.89
ROE
43.6%▲
2024 · 29.2%
ROA
13.0%▲
2024 · 7.5%
Interest coverage
8.27▼
2024 · 10.64
Debt
€407k▼
2024 · €454k
Debt ≤ 1 year
€84k▼
2024 · €95k
Debt > 1 year
€323k▼
2024 · €360k
Income taxes
€19k▲
2024 · €8k
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€612k€580k▼
Fixed assets21/28€413k€489k▲
Tangible fixed assets22/27€413k€489k▲
Land and buildings22€413k€489k▲
Current assets29/58€199k€91k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€47k€48k▲
Trade receivables40€31k€47k▲
Other amounts receivable41€16k€1k▼
Current investments50/53€114k€30k▼
Cash at bank and in hand54/58€36k€11k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€612k€580k▼
Equity10/15€157k€173k▲
Contributions10/11€5k€5k=
Reserves13€152k€168k▲
Distributable reserves133€152k€168k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€454k€407k▼
Amounts payable after more than one year17€360k€323k▼
Financial debts170/4€360k€323k▼
Amounts payable within one year42/48€95k€84k▼
Current portion of amounts payable after more than one year42€35k€37k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€14k€15k▲
Other amounts payable47/48€44k€32k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€17k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€108k€124k▲
Operating profit (loss)9901€41k€103k▲
Financial income75/76B€22k€6k▼
Recurring financial income75€22k€6k▼
Financial charges65/66B€10k€14k▲
Recurring financial charges65€10k€14k▲
Profit (loss) for the period before taxes9903€54k€94k▲
Income taxes67/77€8k€19k▲
Profit (loss) for the period9904€46k€75k▲
Profit (loss) for the period to be appropriated9905€46k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€75k▲
Transfer from equity791/2€75k€60k▼
Transfer to equity691/2€46k€75k▲
To other reserves6921€46k€75k▲
Profit to be distributed694/7€75k€60k▼
Return on contributions (dividend)694€75k€60k▼
The notes to these accounts (7 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €84k ▲81.2%
Operating result €107k, net result €84k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €153k ▲43.5%
3 profitable years in a row build equity to €153k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €106k ▲248%
2 profitable years in a row build equity to €106k.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.76 to 1.71.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Hasselt · 1 establishment unit since 2019
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.
Hoogveldstraat 273724 HasseltGround area
1,835 m²
Building footprint
210 m²
Volume, LiDAR
1,118 m³
Parcel 73090F0011/00F000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoogveldstraat 27, 3724 Hasselt
since 20192.290.776.744
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73090F0011/00F000 | Flanders | 1,835 m² | 1 · 210 m² | 8.9 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500LWZEBZC0399W11
Similar companies · same sector, comparable size
BUSSCHODTS INFORMATICA DEVELOPMENT & CONSULTING
BE 0474.763.827
Begijnendijk · Eq €173k
HILDE DE BROUWER I.M. & C.
BE 0464.420.162
Oosterzele · Eq €173k
ZIPA
BE 0897.154.285
Halle · Eq €173k
GloversBridge
BE 0536.612.512
Schaarbeek · Eq €173k
FOOD SAFETY INFORMATION
BE 0508.524.181
Sint-Truiden · Eq €173k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.