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J. ADVISORY

Active
Private limited companyfounded 20242 yrs activeBerchemstraat 139, 1700 Dilbeek, BelgiumKBO/BCE: BE 1010.204.223
Summary

J. ADVISORY has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,306 and a net result of €35,401. Its solvency ranks better than 22% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability92▼-2
Solvency47▼-9
Growth78
Track record82
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.63 against 2.68 in 2024; short-term debt: 22.2% and cash: 7.3% of total assets), but 77.8% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
22.2%
Return on assets
18.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 12819 sector peers (2025).
NBB · sector comparison
Position among 12819 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-12-2025, 120 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
120 d early
2024
12 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 66 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

J. ADVISORY was incorporated on 10 June 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€42,306▲ 449%
2024 · €7,705
Total assets
€190,243▲ 655%
2024 · €25,209
Net result
€35,401▲ 607%
2024 · €5,005
Working capital
€26,692▲ 91.9%
2024 · €13,906
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€6,971-€46,777▲ 571%
Net result€5,005below the sector's middle half-€35,401within the sector's middle half▲ 607%
Equity€7,705below the sector's middle half-€42,306within the sector's middle half▲ 449%
Total assets€25,209below the sector's middle half-€190,243within the sector's middle half▲ 655%
Debt€17,504-€147,937▲ 745%
Working capital€13,906within the sector's middle half-€26,692within the sector's middle half▲ 91.9%
Solvency30.6%below the sector's middle half-22.2%below the sector's middle half▼ 8.3pp
Current ratio2.68within the sector's middle half-1.63within the sector's middle half▼ 1.05
Return on assets (ROA)19.9%within the sector's middle half-18.6%within the sector's middle half▼ 1.2pp
above within below the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000Operating result 2024: €6,971€6,971Net result 2024: €5,005€5,005Operating result 2025: €46,777€46,777Net result 2025: €35,401€35,40120242025€0€20,000€40,000Operating result 2024: €6,971€6,970Net result 2024: €5,005€5,000Operating result 2025: €46,777€46,800Net result 2025: €35,401€35,40020242025
The operating result rises in 2025; 2025 is 571% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189,336
Fixed assets €120,504 ▲ 6,272%
Current assets €68,832 ▲ 211%
Equity and liabilities €190,243
Equity €42,306 ▲ 449%
Debt €147,937 ▲ 745%
Debt's share of the balance-sheet total rises from 69.4% to 77.8%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€48,407▲
2024 · €7,184
Cash flow
€37,030▲
2024 · €5,218
Debt to equity
3.50▲
2024 · 2.27
ROE
83.7%▲
2024 · 65.0%
Interest coverage
9.06▼
2024 · 15.41
Debt ≤ 1 year
€42,140▲
2024 · €8,259
Debt > 1 year
€104,780▲
2024 · €9,245
Income taxes
€6,286▲
2024 · €1,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.1% went bankrupt
1.6% stopped otherwise
94% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€25,209€190,243▲
Formation expenses20€1,153€907▼
Fixed assets21/28€1,891€120,504▲
Tangible fixed assets22/27€1,891€120,504▲
Land and buildings22-€48,365
Furniture and vehicles24€1,891€2,352▲
Assets under construction and advance payments27-€69,787
Current assets29/58€22,165€68,832▲
Amounts receivable within one year40/41€17,789€34,238▲
Trade receivables40€17,789€28,041▲
Other amounts receivable41-€6,197
Current investments50/53-€20,203
Cash at bank and in hand54/58€2,165€13,818▲
Deferred charges and accrued income490/1€2,211€573▼
Equity and liabilities
Total equity and liabilities10/49€25,209€190,243▲
Equity10/15€7,705€42,306▲
Contributions10/11€3,500€3,500=
Profit (loss) carried forward14€4,205€38,806▲
Amounts payable17/49€17,504€147,937▲
Amounts payable after more than one year17€9,245€104,780▲
Financial debts170/4-€74,780
Other amounts payable178/9€9,245€30,000▲
Amounts payable within one year42/48€8,259€42,140▲
Current portion of amounts payable after more than one year42-€16,000
Trade debts44€1,575€17,599▲
Suppliers440/4€1,575€17,599▲
Taxes, remuneration and social security45€5,884€7,765▲
Taxes450/3€5,884€7,765▲
Other amounts payable47/48€800€776▼
Accrued charges and deferred income492/3-€1,016
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€213€1,629▲
Other operating charges640/8€50€648▲
Gross operating margin9900€7,234€49,055▲
Operating profit (loss)9901€6,971€46,777▲
Financial income75/76B-€253
Recurring financial income75-€253
Financial charges65/66B€466€5,343▲
Recurring financial charges65€466€5,343▲
Profit (loss) for the period before taxes9903€6,505€41,687▲
Income taxes67/77€1,500€6,286▲
Profit (loss) for the period9904€5,005€35,401▲
Profit (loss) for the period to be appropriated9905€5,005€35,401▲
Appropriation of the result
Profit (loss) to be appropriated9906€5,005€39,606▲
Profit (loss) brought forward from the previous period14P-€4,205
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€213€1,629▲ 666%
Other operating charges640/8€50€648▲ 1,184%
Gross operating margin9900€7,234€49,055▲ 578%
Operating profit (loss)9901€6,971€46,777▲ 571%
Financial income75/76B-€253-
Recurring financial income75-€253-
Financial charges65/66B€466€5,343▲ 1,046%
Recurring financial charges65€466€5,343▲ 1,046%
Profit (loss) for the period before taxes9903€6,505€41,687▲ 541%
Income taxes67/77€1,500€6,286▲ 319%
Profit (loss) for the period9904€5,005€35,401▲ 607%
Profit (loss) for the period to be appropriated9905€5,005€35,401▲ 607%
Line20242025Change
Assets
Total assets20/58€25,209€190,243▲ 655%
Formation expenses20€1,153€907▼ 21.3%
Fixed assets21/28€1,891€120,504▲ 6,272%
Tangible fixed assets22/27€1,891€120,504▲ 6,272%
Land and buildings22-€48,365-
Furniture and vehicles24€1,891€2,352▲ 24.3%
Assets under construction and advance payments27-€69,787-
Current assets29/58€22,165€68,832▲ 211%
Amounts receivable within one year40/41€17,789€34,238▲ 92.5%
Trade receivables40€17,789€28,041▲ 57.6%
Other amounts receivable41-€6,197-
Current investments50/53-€20,203-
Cash at bank and in hand54/58€2,165€13,818▲ 538%
Deferred charges and accrued income490/1€2,211€573▼ 74.1%
Equity and liabilities
Total equity and liabilities10/49€25,209€190,243▲ 655%
Equity10/15€7,705€42,306▲ 449%
Contributions10/11€3,500€3,500=
Profit (loss) carried forward14€4,205€38,806▲ 823%
Amounts payable17/49€17,504€147,937▲ 745%
Amounts payable after more than one year17€9,245€104,780▲ 1,033%
Financial debts170/4-€74,780-
Other amounts payable178/9€9,245€30,000▲ 225%
Amounts payable within one year42/48€8,259€42,140▲ 410%
Current portion of amounts payable after more than one year42-€16,000-
Trade debts44€1,575€17,599▲ 1,017%
Suppliers440/4€1,575€17,599▲ 1,017%
Taxes, remuneration and social security45€5,884€7,765▲ 32.0%
Taxes450/3€5,884€7,765▲ 32.0%
Other amounts payable47/48€800€776▼ 3.0%
Accrued charges and deferred income492/3-€1,016-
Line20242025Change
Profit (loss) for the period9904€5,005€35,401▲ 607%
+ Depreciation and write-downs630€213€1,629▲ 666%
Operating cash flow (approximation)€5,218€37,030▲ 610%
Investment in fixed assets (approximation)--€120,242-
Change in cash-€11,653-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
31-07
State Gazette act Incorporation · Founder
Founding capital · Bank account
29-06
State Gazette act Incorporation · Founder
Founding capital · Bank account
22-06
State Gazette act Incorporation · Founder
Founding capital · Bank account
2025
31-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
18-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
State Gazette actNBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Dilbeek · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
434 m²
Building footprint
76 m²
Volume, LiDAR
720 m³
Parcel 23016D0264/00S000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J. ADVISORY
Berchemstraat 139, 1700 DilbeekLegal and accounting activities
since 20242.360.989.797
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23016D0264/00S000 Flanders 434 m² 1 · 76 m² 11.6 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,721 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded10-06-2024
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID 0208:1010204223
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.