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NJM CONSEILS

Active Risk: not assessed
Private limited companyfounded 2023active for 3 yearsRue des Mûriers 10, 4052 Chaudfontaine, BelgiumKBO/BCE: BE 0800.675.612
Summary

NJM CONSEILS 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 €721,343 and a net result of €444,470. Equity has been growing by about 102% per year since 2023. Its solvency ranks better than 20% of 3,032 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

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NJM CONSEILSActive
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Overview

Official details

Source: KBO
Status
Active since 12-04-2023 Normal situation
Activity
Other financial services NACE 64999and 4 others
Joint committee
341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2025
Establishment units
2.345.444.162 4101 Seraing, since 01-07-2023
2.345.444.261 4120 Neupré, since 01-07-2023
Financial year end
31 December
Peppol
Reachable since 20-11-2025
Company details

Board and ownership

Board
  • FG PATRIMOINEDirector · since 11-04-2023 · permanent representative GODELAINE Franck Serge Michel Joseph
  • JOCAFINDirector · since 11-04-2023 · permanent representative BRASSEUR Jonathan Pol Petra Ghislain
  • OVALIE MANAGEMENTDirector · since 11-04-2023 · permanent representative LARUELLE Pierre-Yves
and 1 other
Shareholders
  • FG PATRIMOINE· score 922025 annual accounts of FG PATRIMOINE
  • JOCAFIN· score 942025 annual accounts of JOCAFIN
  • THS FINANCES· score 932025 annual accounts of THS FINANCES
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€444,470
▲ 102%
Equity
€721,343
▲ 161%
Total assets
€2.9m
▼ 3.9%
Employees on 31-12-2025
14
▲ 7.7%
Financials
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3032 sector peers (2025).
NBB · sector comparison
Position among 3032 sector peers
Solvency
better than 20%
← weakest strongest →
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 29-04-2026, 93 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
93 days early
2024
31 days early
2023
37 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 54 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 June (3 of the last 3 accounts filed within 57 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Key points

  • Positive: Result rose in 2025from €219,744 to €444,470 ▲ 102% View
  • Higher gross margin than 95% of companies in financial servicessector median €80,068 · 1,339 companies €1.9m View

Recent changes

  1. · Gazette deed Registered office moved from Trooz to BeaufaysNew seat: rue des Mûriers 10 à 4052 Beaufays · Previous seat: rue Sainry, 5/4 à 4870 Trooz
  2. · Gazette deed IncorporationStarting capital €10,000 · Appointments: OVALIE MANAGEMENT, FG PATRIMOINE and 2 others · Permanent representatives: LARUELLE Pierre-Yves, GODELAINE Franck Serge Michel Joseph and 2 others
All 9 events

Comparable companies

These companies have the same main activity as NJM CONSEILS: other financial services (NACE 64999). They are comparable in size and age: total assets between €668,000 and €6m, founded between 2016 and 2023.

CompanyTotal assetsGross margin
NJM CONSEILS Chaudfontaine€2.9m€1.9m
SMV Oostkust Knokke-Heist€2.8m€1.6m
Eurofins GSC IT Solutions & Operations Oudergem€0.7m€1.5m
Triple A – Risk Finance Belgium Machelen (Brab.)€1.3m€1.1m
KEMPEN ADVIES Ravels€1.9m€1.3m
RS Integrated Supply Belgium Elsene€6.0m€0.6m
SMALL CAPS CAPITAL PARTNERS Elsene€4.5m€1.6m
Full comparison

Key facts about NJM CONSEILS
What is the company number of NJM CONSEILS?
The company number of NJM CONSEILS is 0800.675.612. The VAT number is the same number with BE in front: BE 0800.675.612.
Where is NJM CONSEILS based?
The registered office is at Rue des Mûriers 10, 4052 Chaudfontaine.Company details
What does NJM CONSEILS do?
According to the KBO register, the main activity is other financial services (NACE 64999).
What is the legal form of NJM CONSEILS?
The legal form of NJM CONSEILS is Private limited company (BV).
When was NJM CONSEILS founded?
NJM CONSEILS was founded on 12-04-2023.
Is NJM CONSEILS still active?
Yes, NJM CONSEILS is an active enterprise in the KBO register.
How many employees does NJM CONSEILS have?
NJM CONSEILS had an average of 11.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does NJM CONSEILS fall under?
In its 2025 annual accounts, NJM CONSEILS states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
What is the turnover of NJM CONSEILS?
The turnover in financial year 2025 is ≈ €3.3m. This figure is estimated from the gross margin of €1.9m and 1,584 comparable companies of the same size. It probably lies between €2.2m and €5.4m. It is a rough estimate.
Is NJM CONSEILS profitable?
In financial year 2025, NJM CONSEILS made a profit of €444,470.
Where can I find the annual accounts of NJM CONSEILS?
NJM CONSEILS filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of NJM CONSEILS due?
NJM CONSEILS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed

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