AJ CONSULT
ActiveAJ 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 €19k and a net result of €31k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 34% of 2410 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
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 01-06-2026, 60 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
60 d early
2024
22 d early
2023
28 d early
2022
7 d early
2021
44 d early
2020
36 d early
2019
32 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k=
2024 · €19k
2018: €19k
2019: €28k
2020: €32k
2021: €14k
2022: €19k
2023: €19k
2024: €19k
2018 → 2025
Net result
€31k▲ 16.4%
2024 · €27k
2018: €1k
2019: €9k
2020: €4k
2021: €2k
2022: €734
2023: €16k
2024: €27k
2018 → 2025
Total assets
€61k▼ 9.3%
2024 · €68k
2018: €62k
2019: €40k
2020: €37k
2021: €35k
2022: €59k
2023: €37k
2024: €68k
2018 → 2025
Solvency
30.3%▲ 2.8pp
2024 · 27.5%
2018: 29.8%
2019: 70.1%
2020: 87.0%
2021: 39.2%
2022: 31.3%
2023: 49.8%
2024: 27.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€19k▲ 35.5%€19k=€19k=€19k=
Operating result€4k-€3k▼ 26.8%€22k▲ 609%€40k▲ 80.8%€45k▲ 13.8%
Net result€2k-€734▼ 52.9%€16k▲ 2,036%€27k▲ 72.5%€31k▲ 16.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€4k▼ 68.5%
Current assets
€57k▲ 5.0%
Equity and liabilities €61k
Equity
€19k=
Debt
€43k▼ 12.9%
The debt ratio falls from 72.5% to 69.7%: debt is paid down.
Key figures and ratios
Solvency
30.3%▲
2024 · 27.5%
ROE
169.3%▲
2024 · 145.4%
ROA
51.4%▲
2024 · 40.0%
Debt
€43k▼
2024 · €49k
Debt ≤ 1 year
€43k▲
2024 · €40k
Income taxes
€13k▲
2024 · €12k
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€68k€61k▼
Fixed assets21/28€13k€4k▼
Tangible fixed assets22/27€13k€4k▼
Furniture and vehicles24€2k€4k▲
Leasing and similar rights25€11k-
Current assets29/58€54k€57k▲
Amounts receivable within one year40/41€32k€28k▼
Trade receivables40€32k€28k▼
Cash at bank and in hand54/58€22k€29k▲
Deferred charges and accrued income490/1€970€41▼
Equity and liabilities
Total equity and liabilities10/49€68k€61k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Amounts payable17/49€49k€43k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€40k€43k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€575€485▼
Suppliers440/4€575€485▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€33k€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€956€3k▲
Gross operating margin9900€43k€49k▲
Operating profit (loss)9901€40k€45k▲
Financial income75/76B€9€14▲
Recurring financial income75€9€14▲
Financial charges65/66B€720€767▲
Recurring financial charges65€720€767▲
Profit (loss) for the period before taxes9903€39k€44k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€27k€31k▲
Profit (loss) for the period to be appropriated9905€27k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€31k▲
Profit to be distributed694/7€27k€31k▲
Return on contributions (dividend)694€27k€31k▲
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €31k ▲16.4%
Operating result €45k, net result €31k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €734 ▼52.9%
Net result drops to €734, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 6.27
Current ratio from 2.88 to 6.27; short-term debt falls from €12k to €5k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ittre · 1 establishment unit since 2016
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.
Rue de Haut-Ittre 171460 IttreGround area
782 m²
Building footprint
154 m²
Volume, LiDAR
923 m³
Parcel 25044B0138/00C000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AJ CONSULT
since 20162.256.560.389
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25044B0138/00C000 | Wallonia | 782 m² | 1 · 154 m² | 7.9 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.
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Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 1,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2016
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.