S.J. NETWERK
ActiveS.J. NETWERK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €23k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+31
Solvency51▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.37 in 2024; short-term debt: 28.3% and cash: 5.7% of total assets), and 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 06-10-2025, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
12 d late
2023
10 d late
2022
14 d late
2021
8 d late
2020
3 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 31.9%
2024 · €73k
2019: €39k
2020: €59k
2021: €39k
2022: €60k
2023: €74k
2024: €73k
2019 → 2025
Total assets
€372k▲ 1.3%
2024 · €368k
2019: €499k
2020: €438k
2021: €453k
2022: €428k
2023: €405k
2024: €368k
2019 → 2025
Net result
€23k
2024 · €-960
2019: €-28k
2020: €21k
2021: €-20k
2022: €21k
2023: €13k
2024: €-960
2019 → 2025
Working capital
€-65k▲ 9.3%
2024 · €-72k
2019: €-91k
2020: €-53k
2021: €-69k
2022: €-61k
2023: €-59k
2024: €-72k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€60k▲ 52.6%€74k▲ 22.2%€73k▼ 1.3%€96k▲ 31.9%
Operating result€-14k-€31k€29k▼ 5.4%€14k▼ 53.7%€49k▲ 264%
Net result€-20k-€21k€13k▼ 35.7%€-960€23k
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 264% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€333k▲ 2.4%
Current assets
€40k▼ 6.7%
Equity and liabilities €372k
Equity
€96k▲ 31.9%
Debt
€277k▼ 6.2%
The debt ratio falls from 80.3% to 74.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €42k
Cash flow
€58k▲
2024 · €27k
Solvency
25.7%▲
2024 · 19.7%
Current ratio
0.38▲
2024 · 0.37
Quick ratio
0.38▲
2024 · 0.37
Debt / equity
2.89▼
2024 · 4.07
ROE
24.2%▲
2024 · -1.3%
ROA
6.2%▲
2024 · -0.3%
Interest coverage
5.59▲
2024 · 2.85
Debt
€277k▼
2024 · €295k
Debt ≤ 1 year
€105k▼
2024 · €115k
Debt > 1 year
€171k▼
2024 · €180k
Income taxes
€11k▲
2024 · €-102
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€368k€372k▲
Fixed assets21/28€325k€333k▲
Tangible fixed assets22/27€325k€333k▲
Land and buildings22€324k€298k▼
Plant, machinery and equipment23€374€288▼
Furniture and vehicles24€196€34k▲
Current assets29/58€43k€40k▼
Amounts receivable within one year40/41€34k€18k▼
Trade receivables40€33k€17k▼
Other amounts receivable41€984€984=
Cash at bank and in hand54/58€6k€21k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€368k€372k▲
Equity10/15€73k€96k▲
Contributions10/11€6k€6k=
Reserves13€67k€90k▲
Distributable reserves133€67k€90k▲
Profit (loss) carried forward14€-960€0▲
Amounts payable17/49€295k€277k▼
Amounts payable after more than one year17€180k€171k▼
Financial debts170/4€180k€171k▼
Amounts payable within one year42/48€115k€105k▼
Current portion of amounts payable after more than one year42€39k€39k=
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€8k€20k▲
Other amounts payable47/48€59k€44k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€35k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€45k€87k▲
Operating profit (loss)9901€14k€49k▲
Financial income75/76B€8€15▲
Recurring financial income75€8€15▲
Financial charges65/66B€15k€15k▲
Recurring financial charges65€15k€15k▲
Profit (loss) for the period before taxes9903€-1k€34k▲
Income taxes67/77€-102€11k▲
Profit (loss) for the period9904€-960€23k▲
Profit (loss) for the period to be appropriated9905€-960€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-960€22k▲
Profit (loss) brought forward from the previous period14P€0€-960▼
Transfer to equity691/2€0€22k▲
To other reserves6921€0€22k▲
The notes to these accounts (9 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
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2024
12-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2023
10-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2022
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
31-03
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
2021
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lier · 1 establishment unit since 2003
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.
Hondsstraat 212500 LierGround area
481 m²
Building footprint
240 m²
Volume, LiDAR
1,334 m³
Parcel 12392A0082/00A000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hondsstraat 21, 2500 Lier
since 20032.114.878.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0082/00A000 | Flanders | 481 m² | 1 · 240 m² | 8.6 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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PIXYS CONSULT
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LIVING IN BRUSSELS
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2000
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.