MJ CONSULTING

Active

Private limited companyfounded 200521 yrs activeHolstraat 20, 1770 Liedekerke, BelgiumKBO/BCE: BE 0874.571.202

MJ CONSULTING has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €148k and a net result of €16k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 34% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

66 / 100

Healthy▲ +39 vs 2023

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

Axes · tick = 2023

Profitability54▲+54

Solvency64▼-10

Growth32▼-20

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity short (current ratio 0.8 against 0.97 in 2023), and 54.4% 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

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

−lowers risk○neutral

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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 · 10 filings

Deviation from the deadline

2025

not confirmed

2024

57 d late

2023

31 d late

2022

60 d late

2021

31 d late

2020

1 d early

2019

35 d late

← before the deadline after the 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 2024, micro schema

Equity

€148k▼ 15.6%

2023 · €175k

2018: €158k 2019: €179k 2020: €160k 2021: €153k 2022: €183k 2023: €175k

2018 → 2024

Total assets

€324k▲ 3.9%

2023 · €312k

2018: €350k 2019: €385k 2020: €373k 2021: €350k 2022: €345k 2023: €312k

2018 → 2024

Net result

€16k

2023 · €-7k

2018: €22k 2019: €22k 2020: €8k 2021: €-6k 2022: €29k 2023: €-7k

2018 → 2024

Working capital

€-35k▼ 809%

2023 · €-4k

2018: €112k 2019: €115k 2020: €92k 2021: €-23k 2022: €6k 2023: €-4k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€160k-€153k▼ 3.8%€183k▲ 19.0%€175k▼ 4.0%€148k▼ 15.6%

Operating result€19k-€2k▼ 87.2%€52k▲ 2,050%€-257€34k

Net result€8k-€-6k€29k€-7k€16k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €34k after a loss of €257 in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €324k

57.0%

43.0%

Fixed assets €185k▼ 3.5%

Current assets €139k▲ 15.9%

Equity and liabilities €324k

45.6%

54.4%

Equity €148k▼ 15.6%

Debt €176k▲ 29.0%

The debt ratio rises from 43.8% to 54.4%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

EBITDA

€40k▲

2023 · €7k

Cash flow

€23k▲

2023 · €416

Solvency

45.6%▼

2023 · 56.2%

Current ratio

0.80▼

2023 · 0.97

Quick ratio

0.80▼

2023 · 0.97

Debt / equity

1.19▲

2023 · 0.78

ROE

10.9%▲

2023 · -4.2%

ROA

5.0%▲

2023 · -2.3%

Interest coverage

4.57▲

2023 · 1.06

Debt

€176k▲

2023 · €137k

Debt ≤ 1 year

€174k▲

2023 · €124k

Debt > 1 year

€2k▼

2023 · €13k

Income taxes

€9k▲

2023 · €396

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€312k€324k▲

Fixed assets21/28€192k€185k▼

Tangible fixed assets22/27€192k€185k▼

Land and buildings22€192k€185k▼

Current assets29/58€120k€139k▲

Amounts receivable within one year40/41€671€28k▲

Trade receivables40-€28k

Other amounts receivable41€671-

Cash at bank and in hand54/58€119k€111k▼

Deferred charges and accrued income490/1€340€351▲

Equity and liabilities

Total equity and liabilities10/49€312k€324k▲

Equity10/15€175k€148k▼

Contributions10/11€19k€19k=

Reserves13€157k€129k▼

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€155k€128k▼

Amounts payable17/49€137k€176k▲

Amounts payable after more than one year17€13k€2k▼

Financial debts170/4€13k€2k▼

Amounts payable within one year42/48€124k€174k▲

Current portion of amounts payable after more than one year42€11k€11k▲

Trade debts44€776€286▼

Suppliers440/4€776€286▼

Taxes, remuneration and social security45€4k€23k▲

Taxes450/3€4k€23k▲

Other amounts payable47/48€109k€140k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼

Other operating charges640/8€2k€2k▲

Gross operating margin9900€10k€43k▲

Operating profit (loss)9901€-257€34k▲

Financial income75/76B€369€462▲

Recurring financial income75€369€462▲

Financial charges65/66B€7k€9k▲

Recurring financial charges65€7k€9k▲

Profit (loss) for the period before taxes9903€-7k€25k▲

Income taxes67/77€396€9k▲

Profit (loss) for the period9904€-7k€16k▲

Profit (loss) for the period to be appropriated9905€-7k€16k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-7k€16k▲

Transfer from equity791/2€7k€43k▲

Transfer to equity691/2-€16k

To other reserves6921-€16k

Profit to be distributed694/7-€43k

Return on contributions (dividend)694-€43k

The notes to these accounts (5 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 14Financial 3Gazette 1Filings 10

2026

31-03

State Gazette act Purpose · Statutes amendment · Legal-form change · Resignations & appointments

General meeting · Statutes amendment · Reserve release11 facts ▸

General meeting, 13 maart 2026
Statutes amendment
Reserve release, statutair onbeschikbare eigen vermogensrekening op te heffen en deze middelen beschikbaar te maken voor uitkering
Statutes amendment
Purpose change, beslist heeft het voorwerp van de vennootschap te wijzigen overeenkomstig artikel 5:101 Wetboek van vennootschappen en verenigingen, door een aantal nieuwe acti…
Corporate purpose, De vennootschap heeft tot voorwerp: • De uitoefening van alle activiteiten, in verband met softwaretoepassingen en installaties, projectontwikkeling, business-p…
Director resignation, Muriel Jacobs (zaakvoerder)
Director reappointment, Muriel Jacobs (niet-statutaire bestuurder)
Mandate compensation, Muriel Jacobs
Power of attorney, Fiduciaire Beeckman-Vernaillen
Power of attorney, Hubert Van de Steene

2025

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 57 days late

2024

31-12

Financial Back to profitnet €16k

Net result €16k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Weakest financial yearnet €-7k ▼125%

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

29-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 60 days late

2022

31-12

Financial Back to profitnet €29k

Net result €29k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

30-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

04-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 35 days late

2019

27-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

25-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

2016

30-06

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 director, no change since 2026

Muriel Jacobs

Non-statutory director · since 13-03-2026

Current

13-03-2026 Mandate renewed as Non-statutory director

13-03-2026 Resigned as Manager

Location & real-estate footprint

Registered office, Liedekerke · 1 establishment unit since 2005

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.

Holstraat 201770 Liedekerke

Ground area

1,063 m²

Building footprint

175 m²

Volume, LiDAR

683 m³

Parcel 23762D0573/00K000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

MJ CONSULTING

Holstraat 20, 1770 LiedekerkeNACE 72100

since 20052.147.778.156

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23762D0573/00K000	Flanders	1,063 m²	1 · 175 m²	6.1 m · 1 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 2 entries · 162 EUR awarded · 162 EUR paid

Year	Entries	awarded	paid
2025	1	42 EUR	42 EUR
2022	1	120 EUR	120 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 162 EUR · 162 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

894500O28ZLHIJZYPD90

no longer live in the LEI register

Similar companies · same sector, comparable size

Tongeren-Borgloon · Eq €148k

RIVERIN CONSULTING

BE 0738.901.953

Namur · Eq €148k

Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,289 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-06-2005

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

72100

62010Computer programming, consultancy and related activities

62100Computer programming

70200Business and other management consultancy

70220Business consulting

72220

74142

Sources

Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.