VJ CONSULTANCY

Active

Private limited companyfounded 20232 yrs activeVossemlaan 57, 1933 Zaventem, BelgiumKBO/BCE: BE 1002.024.252

VJ CONSULTANCY has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €13k. Equity is growing by ~51.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

93 / 100

Excellent▼ -7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability77▼-23

Solvency100▲+3

Growth78=

Stability82

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days only on tighter terms

Liquidity ample (current ratio 10.48 against 1.88 in 2024), and 5.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

94.2%

Return on assets

14.4%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-03-2026, 122 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

122 d early

2024

58 d early

2023

35 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€88k▲ 18.1%

2024 · €74k

2023: €11k 2024: €74k

2023 → 2025

Total assets

€93k▼ 12.2%

2024 · €106k

2023: €78k 2024: €106k

2023 → 2025

Net result

€13k▼ 79.0%

2024 · €64k

2023: €9k 2024: €64k

2023 → 2025

Working capital

€51k▲ 84.5%

2024 · €28k

2023: €-48k 2024: €28k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€11k-€74k▲ 569%€88k▲ 18.1%

Operating result€11k-€80k▲ 620%€17k▼ 78.7%

Net result€9k-€64k▲ 619%€13k▼ 79.0%

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 79% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €93k

39.0%

61.0%

Fixed assets €36k▼ 21.7%

Current assets €57k▼ 4.8%

Equity and liabilities €93k

94.2%

Equity €88k▲ 18.1%

Debt €5k▼ 83.0%

The debt ratio falls from 30.0% to 5.8%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€30k▼

2024 · €92k

Cash flow

€26k▼

2024 · €76k

Solvency

94.2%▲

2024 · 70.0%

Current ratio

10.48▲

2024 · 1.88

Quick ratio

10.48▲

2024 · 1.88

Debt / equity

0.06▼

2024 · 0.43

ROE

15.3%▼

2024 · 86.2%

ROA

14.4%▼

2024 · 60.4%

Interest coverage

176.17▼

2024 · 7158.54

Debt

€5k▼

2024 · €32k

Debt ≤ 1 year

€5k▼

2024 · €32k

Income taxes

€3k▼

2024 · €16k

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€106k€93k▼

Fixed assets21/28€46k€36k▼

Tangible fixed assets22/27€46k€36k▼

Plant, machinery and equipment23€1k€3k▲

Furniture and vehicles24€45k€34k▼

Current assets29/58€60k€57k▼

Amounts receivable within one year40/41€44k€15k▼

Trade receivables40€44k€14k▼

Other amounts receivable41€288€247▼

Cash at bank and in hand54/58€15k€42k▲

Deferred charges and accrued income490/1€65€73▲

Equity and liabilities

Total equity and liabilities10/49€106k€93k▼

Equity10/15€74k€88k▲

Contributions10/11€3k€3k=

Reserves13€71k€85k▲

Distributable reserves133€71k€85k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€32k€5k▼

Amounts payable within one year42/48€32k€5k▼

Trade debts44€2k€2k▼

Suppliers440/4€2k€2k▼

Taxes, remuneration and social security45€6k€480▼

Taxes450/3€6k€480▼

Other amounts payable47/48€24k€3k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲

Other operating charges640/8€64€66▲

Gross operating margin9900€92k€30k▼

Operating profit (loss)9901€80k€17k▼

Financial charges65/66B€13€170▲

Recurring financial charges65€13€170▲

Profit (loss) for the period before taxes9903€80k€17k▼

Income taxes67/77€16k€3k▼

Profit (loss) for the period9904€64k€13k▼

Profit (loss) for the period to be appropriated9905€64k€13k▼

Appropriation of the result

Profit (loss) to be appropriated9906€64k€13k▼

Transfer to equity691/2€63k€13k▼

To other reserves6921€63k€13k▼

Profit to be distributed694/7€850€0▼

Return on contributions (dividend)694€850€0▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Liquidity times 6current ratio 10.48

Current ratio from 1.88 to 10.48; short-term debt falls from €32k to €5k.

03-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2023net €64k ▲619%

Operating result €80k, net result €64k, both a record.

31-12

Financial Liquidity times 7current ratio 1.88

Current ratio from 0.29 to 1.88; short-term debt falls from €67k to €32k.

26-06

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, Zaventem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Vossemlaan 571933 Zaventem

Ground area

373 m²

Building footprint

110 m²

Parcel 23082C0198/00L000, Flanders. Linked by address, not a title deed.

1 establishment unit

VJ CONSULTANCY

Vossemlaan 57, 1933 ZaventemComputer programming, consultancy and related activities

since 20232.351.826.366

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23082C0198/00L000	Flanders	373 m²	1 · 110 m²	0.0 m

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

Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,603 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-11-2023

Fiscal year end31-12

Activities, NACEBEL

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

62010Computer programming, consultancy and related activities

62020IT consultancy

62100Computer programming

62200Computer consultancy and computer facilities management

70200Business and other management consultancy

70220Business consulting

82100Office administrative and support services

82110Office administrative, office support and other business support activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.