Equity
€58,727 from €230,998 in 2018
Equity fell by 75% in 7 years.
JLB FIN & TECH
Lifetime
18 annual accounts with figures on one time axis, 32 filings since 1992peak €255,748 (2024)
€189,095▼ 26.1%
lowest -€374,411 (2019)
€71,228▼ 24.0%
peak €230,998 (2018)
€58,727▲ 56.6%
€49,505▼ 29.3%
peak 1 FTE (2009)
1 FTEunchanged
Board2 names since 2020
2 directorsJean-Louis JADOT and 1 other
Documentsfilings and deeds
02-07-202629 days before the deadline
2025abbreviated format
Turnover from €359,837 to €280,769Gross margin from €255,748 to €189,095Dividend €50,000Equity from €37,500 to €58,727Debts from €69,978 to €49,505Cash from €21,663 to €46,832
Key points
from the 2025 annual accountsPayment terms
37 days to suppliers
JLB FIN & TECH pays its suppliers 8 days later than in 2024. Customers pay 22 days later.
Filings
32 annual accounts 33 filings since 1992
Seven of the last ten came late. The 2020 accounts came latest: 68 days after the end of the period.
Checked score
95
Excellent
Financially stronger than 56% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025highest value
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 0.4%▼ -0.6 percentage points vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.1%▼ -0.3 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.76, cash €46,832
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €58,727 (54.3% of total assets)
Founded in 1991
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 50% of them on solvency, 69% on liquidity, 53% on profitability and 52% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as JLB FIN & TECH has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JLB FIN & TECH itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for JLB FIN & TECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.76 (1.56 in 2024), above the usual 1.5. Short-term debt is 45.7% and cash 43.3% of total assets. 45.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 days early
2024
59 days early
2023
34 days early
2022
25 days late
2021
30 days late
2020
68 days late
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 2 July (4 of the last 5 accounts filed within 54 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445403115
Registered office moved from Tournai to Beuzet
New registered office: rue des Déportés, 23 à 5030 BEUZET · Previous registered office: Rue Albert Allard 15-7500 Tournai · Appointment: JADOT Bastien (director) · General meeting of 25-02-2023 · Gazette deed
Company renamed from Finances et Expertises to JLB FIN & TECH SRL
Registered office moved within Tournai · New registered office: rue Albert Allard, 15 à 7500 TOURNAI · Previous registered office: Rue Albert Allard 2 bte 1 7500 Tournai · General meeting of 14-10-2021 · Gazette deed
Merger: FINANCES ET EXPERTISES takes over ZENIT-SA
Change of role: Jean-Louis JADOT, from manager to director · Permanent representative: Jean-Louis JADOT · The company holds all the shares of ZENIT-SA · General meeting of 19-12-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JLB FIN & TECH Gembloux | €108,232 | €189,095 | 54.3% | 1 |
| HEBECO Schoten | €122,264 | €162,510 | -444.0% | 1.2 |
| Mc MILLIAN & COMPANY (BELGIUM) Lanaken | €127,129 | €170,185 | 66.2% | 1.6 |
| LUMINESCENT SYSTEMS EUROPE Ghent | €174,287 | €260,961 | 74.9% | 1 |
| AVS BELGIUM Brussels | €143,471 | €141,565 | 62.6% | 1 |
| Creative Customer Support Antwerp | €220,599 | €177,696 | 20.7% | 1.9 |
| EXCHANGE Antwerp | €161,666 | €221,359 | 59.8% | 2.4 |
These companies have the same main activity as JLB FIN & TECH: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €122,000 and €221,000, founded between 1992 and 2003.
Official details
Source: KBO- Status
- Active since 10-10-1991Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2022
- Establishment unit
- 2.055.463.3555030 Gembloux, since 30-12-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €108,232▼ 28.5%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on JLB FIN & TECH
JLB FIN & TECH files the abbreviated format. That format states no turnover. The gross margin rose from €31,734 in 2007 to €189,095 in 2025.
The balance sheet grew most from 2012 to 2013 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JLB FIN & TECH
- What is the company number of JLB FIN & TECH?
- The company number of JLB FIN & TECH is 0445.403.115. The VAT number is the same number with BE in front: BE 0445.403.115.
- Where is JLB FIN & TECH based?
- The registered office is at Rue des Déportés, Beuzet 23, 5030 Gembloux.Company details
- What does JLB FIN & TECH do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of JLB FIN & TECH?
- JLB FIN & TECH is a private limited company (BV).
- When was JLB FIN & TECH founded?
- JLB FIN & TECH was founded on 10-10-1991.
- Is JLB FIN & TECH still active?
- Yes, JLB FIN & TECH is an active enterprise in the KBO register.
- How many employees does JLB FIN & TECH have?
- JLB FIN & TECH had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does JLB FIN & TECH fall under?
- In its 2022 annual accounts, JLB FIN & TECH states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of JLB FIN & TECH?
- The turnover of JLB FIN & TECH was €280,769 in financial year 2025, according to the filed annual accounts.
- Is JLB FIN & TECH profitable?
- In financial year 2025, JLB FIN & TECH made a profit of €71,228.
- Where can I find the annual accounts of JLB FIN & TECH?
- JLB FIN & TECH filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JLB FIN & TECH due?
- JLB FIN & TECH must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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