J-C Advice
ActiveJ-C Advice has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €39k. Equity is growing by ~43.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▼-8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 2.84 in 2024; short-term debt: 33.4% and cash: 41.5% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.6%
Return on assets
35.4%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
11 d early
2024
1 d early
2023
33 d early
2022
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▼ 26.1%
2024 · €100k
2022: €18k
2023: €57k
2024: €100k
2022 → 2025
Total assets
€110k▼ 7.4%
2024 · €119k
2022: €35k
2023: €77k
2024: €119k
2022 → 2025
Net result
€39k▼ 7.8%
2024 · €42k
2022: €15k
2023: €39k
2024: €42k
2022 → 2025
Working capital
€14k▼ 62.3%
2024 · €36k
2022: €18k
2023: €15k
2024: €36k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€57k▲ 210%€100k▲ 74.1%€74k▼ 26.1%
Operating result€22k-€51k▲ 132%€56k▲ 10.1%€52k▼ 6.9%
Net result€15k-€39k▲ 151%€42k▲ 9.3%€39k▼ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€60k▼ 5.3%
Current assets
€50k▼ 9.8%
Equity and liabilities €110k
Equity
€74k▼ 26.1%
Debt
€37k▲ 87.1%
The debt ratio rises from 16.5% to 33.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €63k
Cash flow
€46k▼
2024 · €49k
Solvency
66.6%▼
2024 · 83.5%
Current ratio
1.37▼
2024 · 2.84
Quick ratio
1.37▼
2024 · 2.84
Debt / equity
0.50▲
2024 · 0.20
ROE
53.1%▲
2024 · 42.6%
ROA
35.4%▼
2024 · 35.5%
Interest coverage
26.57▼
2024 · 27.39
Debt
€37k▲
2024 · €20k
Debt ≤ 1 year
€37k▲
2024 · €20k
Income taxes
€11k▼
2024 · €12k
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€119k€110k▼
Fixed assets21/28€63k€60k▼
Tangible fixed assets22/27€63k€60k▼
Plant, machinery and equipment23€34k€34k▲
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€25k€23k▼
Current assets29/58€56k€50k▼
Amounts receivable within one year40/41€2k-
Trade receivables40€2k-
Current investments50/53€4k€4k=
Cash at bank and in hand54/58€51k€46k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€119k€110k▼
Equity10/15€100k€74k▼
Contributions10/11€3k€3k=
Reserves13€97k€71k▼
Distributable reserves133€97k€71k▼
Amounts payable17/49€20k€37k▲
Amounts payable within one year42/48€20k€37k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€18k€21k▲
Taxes450/3€18k€21k▲
Other amounts payable47/48-€13k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€774€1k▲
Gross operating margin9900€63k€61k▼
Operating profit (loss)9901€56k€52k▼
Financial income75/76B€4-
Recurring financial income75€4-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€54k€50k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€42k€39k▼
Profit (loss) for the period to be appropriated9905€42k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€39k▼
Transfer from equity791/2-€50k
Transfer to equity691/2€42k€24k▼
To other reserves6921€42k€24k▼
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
The notes to these accounts (5 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €42k ▲9.3%
Operating result €56k, net result €42k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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-Katelijne-Waver · 1 establishment unit since 2022
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.
Abdijstraat 32860 Sint-Katelijne-WaverGround area
739 m²
Building footprint
131 m²
Volume, LiDAR
281 m³
Parcel 12035E0020/00K002, Flanders · tallest building 17.1 m. Linked by address, not a title deed.
1 establishment unit
J-C Advice
since 20222.327.140.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0020/00K002 | Flanders | 739 m² | 1 · 131 m² | 17.1 m |
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.
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INNOV8 CONSULTING
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,841 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jeroencharlier@gmail.com
Phone:0479755879