Turnover
≈ €190,000 estimated
The micro format states no turnover.
Hello Jo
Overview
Lifetime
1 annual account with figurespeak €92,588 (2025)
€92,588
peak €67,691 (2025)
€67,691
peak €69,691 (2025)
€69,691
€14,747
Board1 name since 2025
1 directorVAN DER HENST Steffie
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Incorporation 07-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000
Position in the sector
82.5%
Higher solvency than 80% of companies in head offices and management consultancy. Sector median 55.5% · 39,368 companies.
Checked score
98
Excellent
Financially stronger than 81% 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
02-2026: 0.4%
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026highest value
07-2026: 0.4%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 5.73, cash €23,260
Equity €69,691 (82.5% of total assets)
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 86% of them on solvency, 71% on liquidity and 84% on profitability.
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, 11,279 companies had the same profile as Hello Jo has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Hello Jo 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 11,279 companies, not a prediction for Hello Jo. 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 €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 5.73, above the usual 1.5. Short-term debt is 17.5% and cash 27.5% of total assets. 17.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises 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 06-07-2026, 25 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
25 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018200288
Incorporation
Founding capital of €2,000 · Founder: VAN DER HENST Steffie (sole founder) · Appointment: VAN DER HENST Steffie (director) · published on 07-01-2025 · Gazette deed
First establishment
Vogelsanck 3, Schilde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Hello Jo Schilde | €84,438 | €92,588 | 82.5% | - |
| TD Focus Antwerp | €89,401 | €95,739 | 78.6% | - |
| 2doBusiness Balen | €85,492 | €85,655 | 86.5% | - |
| N.W IN MOTION Westerlo | €88,247 | €84,996 | 72.1% | - |
| GMS Antwerp | €87,557 | €94,877 | 85.1% | - |
| EMIR SERVICES Antwerp | €90,192 | €100,770 | 67.0% | - |
| Felixor Consulting Mechelen | €93,722 | €100,790 | 86.3% | - |
These companies have the same main activity as Hello Jo: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €85,500 and €93,700, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 03-01-2025Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.368.526.5012970 Schilde, since 03-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €92,588
- €67,691
- €69,691
- €84,438
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on Hello Jo
Hello Jo has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,691 and a net result of €67,691.
Its solvency ranks better than 80% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 06-07-2026, 25 days before the deadline€92,588
€92,189
€67,691
€69,691
82.5%
5.73
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €190,000. Estimated: probably between €140,000 and €240,000.
Balance sheet
balance sheet total €84,438 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
82.5%
Higher than 80% of 39,368 companies in 2025.
5.73
Higher than 81% of 38,051 companies in 2025.
80.2%
Higher than 95% of 38,523 companies in 2025.
Hello Jo
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
84,438 | |
29/58 |
84,438 | |
40/41 |
61,177 | |
41 |
61,177 | |
54/58 |
23,260 | |
| Balance sheet: equity and liabilities | ||
10/49 |
84,438 | |
10/15 |
69,691 | |
10/11 |
2,000 | |
13 |
67,691 | |
133 |
67,691 | |
17/49 |
14,747 | |
42/48 |
14,747 | |
44 |
3,351 | |
440/4 |
3,351 | |
45 |
11,396 | |
450/3 |
11,396 | |
| Income statement | ||
9900 |
92,588 | |
640/8 |
400 | |
9901 |
92,189 | |
75/76B |
1,457 | |
75 |
1,457 | |
65/66B |
86 | |
65 |
86 | |
9903 |
93,560 | |
67/77 |
25,869 | |
9904 |
67,691 | |
9905 |
67,691 | |
| Appropriation of the result | ||
9906 |
67,691 | |
691/2 |
67,691 | |
6921 |
67,691 | |
| Document | ||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 06-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 06-07-2026 | 2026-00286107 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 69,691 | ||
| 82.5% | ||
| 5.73 | ||
| 0.21 | ||
| 97.1% | ||
| 80.2% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on Hello Jo
Debt's share of the balance-sheet total is 17.5%.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 07-01-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 06-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 07-01-2025
Mandates through the years
1 name, the dashed line is todayVAN DER HENST Steffie
Director
Director
Board
Mandates as a list
- VAN DER HENST Steffie
- Director, appointed by deed of 07-01-2025, still in office
Control
Capital
- Contribution
- €2,000
- Source
- deed of 07-01-2025
Articles of association
deed of 07-01-2025 (in Dutch)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 14:00
Founder
At incorporation
deed of 07-01-2025 ↗
- VAN DER HENST Steffie sole founder · 100% at incorporation
Network & group
No group
Hello Jo has no parent and no holdings in its annual accounts. VAN DER HENST Steffie is the only director. Hello Jo shares no director with another company.
At the same address
Vogelsanck 3, 2970 Schilde · 3 other companies| Nagels, Thomas (sole trader)
establishment since 30-11-2022 |
founded in 2022 0794.165.922 |
| Nautilus
establishment since 19-06-2019 |
founded in 2019 0728.642.620 |
| ZYJS Invest
establishment since 18-05-2017 |
founded in 2017 0675.821.764 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1018200288
Annual accounts 2025 filed NBBmicro format · 25 days before the deadline
2025
IncorporationFounding capital of €2,000 · Founder: VAN DER HENST Steffie (sole founder) · Appointment: VAN DER HENST Steffie (director) · published on 07-01-20253 points ▸
- Founder, VAN DER HENST Steffie (sole founder)
- Founding capital, €2,000
- Director appointment, VAN DER HENST Steffie
- The deed holds 2 more points.
First establishment Vogelsanck 3, Schilde
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1018.200.288
- VAT number
- BE 1018.200.288
- Peppol ID
- 0208:1018200288
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 14:00deed of 07-01-2025 (in Dutch)
- Peppol
- Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Hello Jo in Dutch
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vogelsanck 3 A, 2970 Schilde”deed of 07-01-2025 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het uitvoeren van managementopdrachten in de meest ruime zin; Alle verrichtingen, die rechtstreeks of onrechtstreeks, geheel of…”deed of 07-01-2025 (in Dutch)
13 activities
- Het uitvoeren van managementopdrachten in de meest ruime zin;
- Alle verrichtingen, die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk, betrekking hebben op de zogenaamde 'consultancy" in de meest ruime betekenis, omvattend onder meer, doch zonder dat dit beperkt is tot uitvoeren van studies, het verstrekken van adviezen en het verrichten van diensten aangaande om het even welk aspect van het bestuur, het beheer, het beleid of de bedrijfsvoering van een onderneming, bedrijvigheid, openbaar bestuur, beroepsvereniging, organisatie, vereniging of enig onderdeel daarvan, alsook ten behoeve van zelfstandigen of beoefenaars van vrije beroepen;
- Het optreden als studie-, organisatie-, raadgevend en belerend bureau inzake al het bovenvermelde alsmede financiële, handels-, fiscale of sociale aangelegenheden, zowel ten behoeve van ondernemingen als van particulieren;
- Het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, enz.;
- Het verkopen, leveren, coördineren van outsourcingprojecten;
- Het deelnemen in of de directie voeren over andere vennootschappen en ondernemingen; het management en het bestuur van om het even welke ondernemingen en vennootschappen, het optreden als vereffenaar;
- Het verlenen van technische, administratieve of commerciële bijstand aan alle Belgische en buitenlandse ondernemingen;
- Het verlenen van financiële bijstand;
- Zowel in België als in het buitenland, onder eender welke vorm, participaties te verwerven en aan te houden;
- De aankoop, verhuur, onderhoud en verkoop van alle roerende goederen - desgevallend ten behoeve van eigen handelsverrichtingen of voor handelsverrichtingen van derden - zoals alle soorten materieel, gereedschappen, machines, installaties en computers, soft- en hardware;
- Het aanvragen, verwerven, verhandelen en exploiteren van licenties, octrooien, merken en dergelijke;
- Het aankopen, verhuren, huren, verhuren, doen verbouwen, verkavelen van alle al dan niet bebouwde onroerende goederen in België en/of in het buitenland, alsmede het beheren en uitbaten van het eigen patrimonium van de vennootschap, en het stellen van alle handelingen die rechtstreeks of onrechtstreeks, geheel of ten dele verband houden met het bovenstaande, of daartoe nodig, nuttig of bevorderlijk zijn;
- Het aankopen, verkopen, overdragen, beheren, te gelde maken en valoriseren, zowel voor eigen rekening als voor rekening van derden, van alle roerende waarden, aandelen, obligaties, staatsfondsen, van alle roerende en onroerende goederen en rechten, met uitzondering van de activiteiten die door de wet voorbehouden aan vermogensbeheerders en beleggingsadviseurs.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Vogelsanck 3 registered office 2970 Schilde | 03-01-2025 | 2.368.526.501 |
Buildings and parcels at the address
- Ground area
- 4,040 m²
- Buildings
- 416 m²
- Volume, LiDAR
- 2,348 m³
- Tallest building
- 18.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11041C0190/00X000 | 4,040 m² | 1 · 416 m² | 18.4 m · 2 |