TONY JOSSA CONSULTING 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 €873k and a net result of €19k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 8018 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
6 d early
2023
34 d early
2022
13 d early
2021
31 d early
2020
88 d late
2019
24 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€873k▲ 2.2%
2024 · €854k
2018: €515k
2019: €616k
2020: €744k
2021: €844k
2022: €762k
2023: €790k
2024: €854k
2018 → 2025
Net result
€19k▼ 71.2%
2024 · €64k
2018: €75k
2019: €101k
2020: €128k
2021: €100k
2022: €-82k
2023: €27k
2024: €64k
2018 → 2025
Total assets
€873k▲ 2.1%
2024 · €855k
2018: €518k
2019: €617k
2020: €764k
2021: €850k
2022: €763k
2023: €791k
2024: €855k
2018 → 2025
Solvency
99.9%▲ 0.1pp
2024 · 99.8%
2018: 99.5%
2019: 99.8%
2020: 97.3%
2021: 99.4%
2022: 99.9%
2023: 99.8%
2024: 99.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€844k-€762k▼ 9.7%€790k▲ 3.6%€854k▲ 8.2%€873k▲ 2.2%
Operating result€134k-€-26k€-24k▲ 8.4%€-21k▲ 11.4%€-22k▼ 7.1%
Net result€100k-€-82k€27k€64k▲ 136%€19k▼ 71.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2025 against €21k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €873k
Fixed assets
€4k▼ 14.4%
Current assets
€869k▲ 2.2%
Equity and liabilities €873k
Equity
€873k▲ 2.2%
Debt
€638▼ 52.4%
The debt ratio falls from 0.2% to 0.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.9%▲
2024 · 99.8%
ROE
2.1%▼
2024 · 7.5%
ROA
2.1%▼
2024 · 7.5%
Debt
€638▼
2024 · €1k
Debt ≤ 1 year
€601▼
2024 · €1k
Income taxes
€4k▼
2024 · €44k
A ratio outside any meaningful range has been withheld (balance sheet total €873k, equity €873k).
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€855k€873k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Land and buildings22€4k€4k▼
Plant, machinery and equipment23€0-
Current assets29/58€851k€869k▲
Amounts receivable within one year40/41€10k€16k▲
Trade receivables40€87€0▼
Other amounts receivable41€10k€16k▲
Current investments50/53€684k€726k▲
Cash at bank and in hand54/58€155k€126k▼
Deferred charges and accrued income490/1€1k€769▼
Equity and liabilities
Total equity and liabilities10/49€855k€873k▲
Equity10/15€854k€873k▲
Contributions10/11€12k€12k=
Reserves13€715k€733k▲
Distributable reserves133€715k€733k▲
Profit (loss) carried forward14€127k€127k=
Amounts payable17/49€1k€638▼
Amounts payable within one year42/48€1k€601▼
Trade debts44€533€601▲
Suppliers440/4€533€601▲
Taxes, remuneration and social security45€657€0▼
Taxes450/3€657€0▼
Accrued charges and deferred income492/3€150€37▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€630▼
Other operating charges640/8€513€591▲
Gross operating margin9900€-19k€-21k▼
Operating profit (loss)9901€-21k€-22k▼
Financial income75/76B€170k€31k▼
Recurring financial income75€170k€31k▼
Financial charges65/66B€41k€-14k▼
Recurring financial charges65€41k€-14k▼
Profit (loss) for the period before taxes9903€109k€23k▼
Income taxes67/77€44k€4k▼
Profit (loss) for the period9904€64k€19k▼
Profit (loss) for the period to be appropriated9905€64k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€146k▼
Profit (loss) brought forward from the previous period14P€127k€127k=
Transfer to equity691/2€64k€19k▼
To other reserves6921€64k€19k▼
The notes to these accounts (13 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1446.73
Current ratio from 715.33 to 1446.73; short-term debt falls from €1k to €601.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-82k ▼182%
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 710.05
Current ratio from 154.79 to 710.05; short-term debt falls from €5k to €1k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 154.79
Current ratio from 37.03 to 154.79; short-term debt falls from €20k to €5k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Highest result since 2018net €128k ▲27.2%
Operating result €171k, net result €128k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 542.10
Current ratio from 175.28 to 542.10; short-term debt falls from €3k to €1k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Truiden · 1 establishment unit since 2008
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.
Fabriekstraat 683800 Sint-TruidenGround area
1,228 m²
Building footprint
163 m²
Parcel 71053G0187/00V002, Flanders. Linked by address, not a title deed.
1 establishment unit
TONY JOSSA CONSULTING
since 20082.172.464.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053G0187/00V002 | Flanders | 1,228 m² | 1 · 163 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
96760039WZCFXDL3MT37
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,998 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475265526