YJ Consulting

Active

Private limited companyfounded 20215 yrs activeKerkhoflei 96, 2800 Mechelen, BelgiumKBO/BCE: BE 0764.681.979

YJ Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €64k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+1

Solvency47▲+4

Growth58▼-20

Track record94

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.11 against 1.12 in 2024; short-term debt: 78.2% and cash: 66.2% of total assets), and 78.2% 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

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 78

Relative position

BE, all sectors

reference

Sector 78

lower

← fewer bankruptcies more bankruptcies →

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

21.8%

Return on assets

52.1%

Age of the figures

9 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 29-05-2026, 63 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

63 d early

2024

7 d early

2023

35 d early

2022

33 d early

2021

34 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

19-09-2026 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

€27k▼ 44.7%

2024 · €48k

2021: €35k 2022: €110k 2023: €186k 2024: €48k

2021 → 2025

Total assets

€122k▼ 53.3%

2024 · €261k

2021: €57k 2022: €136k 2023: €222k 2024: €261k

2021 → 2025

Net result

€64k▲ 2.3%

2024 · €62k

2021: €32k 2022: €76k 2023: €83k 2024: €62k

2021 → 2025

Working capital

€10k▼ 60.7%

2024 · €26k

2021: €35k 2022: €110k 2023: €169k 2024: €26k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€35k-€110k▲ 217%€186k▲ 69.5%€48k▼ 74.2%€27k▼ 44.7%

Operating result€41k-€96k▲ 132%€103k▲ 7.7%€78k▼ 24.3%€79k▲ 0.7%

Net result€32k-€76k▲ 134%€83k▲ 9.5%€62k▼ 25.1%€64k▲ 2.3%

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 1% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €122k

13.4%

86.6%

Fixed assets €16k▼ 26.1%

Current assets €106k▼ 55.8%

Equity and liabilities €122k

21.8%

78.2%

Equity €27k▼ 44.7%

Debt €95k▼ 55.2%

The debt ratio falls from 81.6% to 78.2%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€84k▲

2024 · €82k

Cash flow

€69k▲

2024 · €67k

Solvency

21.8%▲

2024 · 18.4%

Current ratio

1.11▼

2024 · 1.12

Quick ratio

1.11▼

2024 · 1.12

Debt / equity

3.60▼

2024 · 4.44

ROE

239.7%▲

2024 · 129.6%

ROA

52.1%▲

2024 · 23.8%

Interest coverage

1164.48▼

2024 · 1357.01

Debt

€95k▼

2024 · €213k

Debt ≤ 1 year

€95k▼

2024 · €213k

Income taxes

€15k▼

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€261k€122k▼

Fixed assets21/28€22k€16k▼

Tangible fixed assets22/27€22k€16k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€20k€15k▼

Current assets29/58€239k€106k▼

Amounts receivable within one year40/41€13k€23k▲

Trade receivables40€9k€14k▲

Other amounts receivable41€4k€9k▲

Cash at bank and in hand54/58€226k€81k▼

Deferred charges and accrued income490/1€576€2k▲

Equity and liabilities

Total equity and liabilities10/49€261k€122k▼

Equity10/15€48k€27k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€45k€24k▼

Amounts payable17/49€213k€95k▼

Amounts payable within one year42/48€213k€95k▼

Trade debts44€1k€1k▼

Suppliers440/4€1k€1k▼

Taxes, remuneration and social security45€11k€8k▼

Taxes450/3€8k€4k▼

Remuneration and social security454/9€3k€4k▲

Other amounts payable47/48€201k€86k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲

Other operating charges640/8€908€870▼

Gross operating margin9900€83k€85k▲

Operating profit (loss)9901€78k€79k▲

Financial income75/76B€51-

Recurring financial income75€51-

Financial charges65/66B€61€72▲

Recurring financial charges65€61€72▲

Profit (loss) for the period before taxes9903€78k€79k▲

Income taxes67/77€16k€15k▼

Profit (loss) for the period9904€62k€64k▲

Profit (loss) for the period to be appropriated9905€62k€64k▲

Appropriation of the result

Profit (loss) to be appropriated9906€245k€109k▼

Profit (loss) brought forward from the previous period14P€183k€45k▼

Profit to be distributed694/7€200k€85k▼

Return on contributions (dividend)694€200k€80k▼

Directors or managers695-€5k

The notes to these accounts (4 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 9Financial 4Filings 5

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

2026

29-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

24-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

26-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €83k ▲9.5%

Operating result €103k, net result €83k, both a record.

31-12

Financial Equity above €150kEq €186k ▲69.5%

3 profitable years in a row build equity to €186k.

28-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Liquidity doublescurrent ratio 5.14

Current ratio from 2.52 to 5.14.

31-12

Financial Equity above €100kEq €110k ▲217%

2 profitable years in a row build equity to €110k.

27-06

NBB filing Annual accounts filed

fiscal year 2021 · 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, Mechelen · 1 establishment unit since 2021

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.

Kerkhoflei 962800 Mechelen

Ground area

1,105 m²

Building footprint

221 m²

Volume, LiDAR

2,514 m³

Parcel 12402B0158/00X003, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

YJ Consulting

Kerkhoflei 96, 2800 MechelenActivities of head offices; management consultancy activities

since 20212.314.104.353

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12402B0158/00X003	Flanders	1,105 m²	1 · 221 m²	15.3 m · 4 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

Sint-Pieters-Leeuw · Eq €27k

Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 941 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-03-2021

Fiscal year end31-12

Activities, NACEBEL

78100Employment placement agencies

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.