PJB-Consulting
ActiveSummary
PJB-Consulting has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €18k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-2
Solvency93▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.17 against 2.63 in 2024; short-term debt: 30.5% and cash: 74.4% of total assets), and 31.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.3%
Return on assets
10%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 d early
2024
20 d early
2023
181 d early
2022
32 d late
2021
17 d early
2020
51 d late
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 16.2%
2024 · €108k
2018: €41k
2019: €53k
2020: €61k
2021: €80k
2022: €87k
2023: €102k
2024: €108k
2018 → 2025
Total assets
€184k▲ 6.9%
2024 · €172k
2018: €77k
2019: €92k
2020: €132k
2021: €143k
2022: €154k
2023: €163k
2024: €172k
2018 → 2025
Net result
€18k▼ 5.8%
2024 · €19k
2018: €12k
2019: €12k
2020: €9k
2021: €19k
2022: €7k
2023: €15k
2024: €19k
2018 → 2025
Working capital
€122k▲ 16.6%
2024 · €104k
2018: €29k
2019: €39k
2020: €53k
2021: €74k
2022: €79k
2023: €96k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€87k▲ 9.0%€102k▲ 16.7%€108k▲ 6.1%€126k▲ 16.2%
Operating result€26k-€15k▼ 41.4%€26k▲ 69.6%€28k▲ 6.2%€30k▲ 7.1%
Net result€19k-€7k▼ 61.7%€15k▲ 114%€19k▲ 26.9%€18k▼ 5.8%
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 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€6k ▲ 64.8%
Current assets
€178k ▲ 5.6%
Equity and liabilities €184k
Equity
€126k ▲ 16.2%
Debt
€58k ▼ 8.9%
Debt's share of the balance-sheet total falls from 37.2% to 31.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €30k
Cash flow
€21k▼
2024 · €21k
Current ratio
3.17▲
2024 · 2.63
Debt to equity
0.46▼
2024 · 0.59
ROE
14.6%▼
2024 · 18.0%
ROA
10.0%▼
2024 · 11.3%
Interest coverage
20.79▼
2024 · 179.51
Debt ≤ 1 year
€56k▼
2024 · €64k
Debt > 1 year
€2k
Income taxes
€11k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€172k€184k▲
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€4k€6k▲
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€1k€785▼
Furniture and vehicles24€401€4k▲
Current assets29/58€168k€178k▲
Amounts receivable within one year40/41€18k€2k▼
Trade receivables40€18k€1k▼
Other amounts receivable41€558€515▼
Current investments50/53€91k€36k▼
Cash at bank and in hand54/58€54k€137k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€172k€184k▲
Equity10/15€108k€126k▲
Reserves13€108k€126k▲
Distributable reserves133€108k€126k▲
Amounts payable17/49€64k€58k▼
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€64k€56k▼
Current portion of amounts payable after more than one year42-€2k
Financial debts43€2k€840▼
Credit institutions430/8€2k€840▼
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€13k€15k▲
Other amounts payable47/48€42k€35k▼
Income statement
Code20242025
Non-recurring operating income76A-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€550€520▼
Gross operating margin9900€30k€33k▲
Operating profit (loss)9901€28k€30k▲
Financial income75/76B€178€778▲
Recurring financial income75€178€778▲
Financial charges65/66B€165€2k▲
Recurring financial charges65€165€2k▲
Profit (loss) for the period before taxes9903€28k€29k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€19k€18k▼
Profit (loss) for the period to be appropriated9905€19k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€18k▼
Transfer to equity691/2€19k€18k▼
To other reserves6921€19k€18k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (6 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €19k ▲26.9%
Net result €19k, the highest in the series.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €102k ▲16.7%
6 profitable years in a row build equity to €102k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €7k ▼61.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
04-07
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, Edegem · 1 establishment unit since 2017
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.
Ferdinand Verbiestlaan 412650 EdegemGround area
496 m²
Building footprint
141 m²
Volume, LiDAR
831 m³
Parcel 11013A0015/00V003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PJB-Consulting
since 20172.259.913.819
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0015/00V003 | Flanders | 496 m² | 1 · 141 m² | 8.9 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,089 EUR awarded · 1,089 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,089 EUR | 1,089 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,844 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.