Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
NJM CONSEILS from Chaudfontaine, company number BE0800675612, closed financial year 2025 with a result of € 444,470 after tax. For that financial year NJM CONSEILS recorded a gross margin of € 1.9 million and equity of € 721,343. Compared with financial year 2024, the result moved from € 219,744 to € 444,470. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 29, 2026.
€ 721,343
▲ 161% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 444,470
▲ 102% vs 2024
Profit after tax over the fiscal year.
€ 13,713
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 711,343.
People and assets in 2025
11.9
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 859,070
▲ 4% vs 2024
€ 72,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 57,114
▲ 68% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.9 million
▼ 23% vs 2024
€ 246,719 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 6,198
▼ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 284,008
▲ 58% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 870,939 | € 1,535,773 | € 1,920,948 | ▲ 25% |
| Profit after taxes | € 147,129 | € 219,744 | € 444,470 | ▲ 102% |
| Equity | € 157,129 | € 276,873 | € 721,343 | ▲ 161% |
| Total debts | € 2,981,147 | € 2,736,904 | € 2,176,048 | ▼ 20% |
| Cash | - | - | € 13,713 | |
| Retained profit | € 147,129 | € 266,873 | € 711,343 | ▲ 167% |
| Dividend | € 0 | € 100,000 | € 0 | ▼ 100% |
| Bank debt | € 2,800,735 | € 2,446,548 | € 1,885,486 | ▼ 23% |
| Balance sheet total | € 3,138,276 | € 3,013,777 | € 2,897,391 | ▼ 4% |
| Employees (FTE) | 6.1 | 11.8 | 11.9 | ▲ 0.1 |
Key figures of NJM CONSEILS, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to NJM CONSEILS?
What happened at NJM CONSEILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 444,470 (▲ 102% vs 2024). Source: NBB ↗
- New establishment in Seraing. KBO
- New establishment in Neupré. KBO
- Start of the company according to the CBE. KBO
- Ovalie Management became a director. NBB
- THS Finances became a director. NBB
- Jocafin became a director. NBB
- FG Patrimoine became a director. NBB
In short
From € 147,129 profit in 2023 to € 444,470 profit in 2025.
Paid € 272,021 in corporate taxes since 2023.
Best year ever: 2025, with € 444,470 profit.
On average € 161,400 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of JOCAFIN, FG PATRIMOINE, THS FINANCES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
NJM CONSEILSBehind NJM CONSEILS are Ovalie Management, THS Finances, Jocafin and FG Patrimoine. The shares are held by JOCAFIN (13%), FG PATRIMOINE (13%) and THS FINANCES (12%).
Directors
According to the 2025 annual accounts
Director · represented by Pierre-Yves Laruelle
since 2023
Director · represented by Thomas Salmon
since 2023
Director · represented by Jonathan Brasseur
since 2023
Director · represented by Franck Godelaine
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Mûriers 10
4052 Chaudfontaine
Rue des Quatre Grands 5
4101 Seraing
Active since 1 July 2023
Rue Bonry(RR) 55
4120 Neupré
Active since 1 July 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0800.675.612
- VAT number
- BE 0800.675.612
- Registered office
- Rue des Mûriers 10, 4052 Chaudfontaine
- Names & denominations
- NJM CONSEILS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 April 2023
- Peppol
- Active · Active since 20 Nov 2025
- Activities · NACE
Agenten en makelaars in bankdiensten
Overige financiële dienstverlening, neg
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Rechtstreekse verzekeringsverrichtingen niet-leven
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven