J.C.K. CONSULT
ActiveJ.C.K. CONSULT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €817k and a net result of €-26k. Equity is shrinking by ~2.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+52
Solvency79▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 40.7% and cash: 0.1% of total assets), and 45.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
54.2%
Return on assets
-1.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-26k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
30 d late
2022
4 d early
2021
11 d early
2020
9 d early
2019
66 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€817k▼ 3.0%
2024 · €843k
2018: €773k
2019: €745k
2020: €971k
2021: €958k
2022: €933k
2023: €895k
2024: €843k
2018 → 2025
Total assets
€1.51M▼ 2.3%
2024 · €1.54M
2018: €888k
2019: €825k
2020: €1.22M
2021: €1.21M
2022: €1.62M
2023: €1.58M
2024: €1.54M
2018 → 2025
Net result
€-26k▲ 51.2%
2024 · €-52k
2018: €618k
2019: €-27k
2020: €226k
2021: €-13k
2022: €-25k
2023: €-37k
2024: €-52k
2018 → 2025
Working capital
€-613k▲ 1.2%
2024 · €-620k
2018: €464k
2019: €443k
2020: €596k
2021: €141k
2022: €-596k
2023: €-601k
2024: €-620k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€958k-€933k▼ 2.7%€895k▼ 4.0%€843k▼ 5.8%€817k▼ 3.0%
Operating result€-13k-€-27k▼ 113%€-41k▼ 51.8%€-55k▼ 33.4%€-28k▲ 48.9%
Net result€-13k-€-25k▼ 98.7%€-37k▼ 47.0%€-52k▼ 39.9%€-26k▲ 51.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €55k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€1.51M▼ 2.3%
Current assets
€884▲ 124%
Equity and liabilities €1.51M
Equity
€817k▼ 3.0%
Provisions
€76k▼ 3.2%
Debt
€614k▼ 1.1%
The debt ratio rises from 40.2% to 40.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €-19k
Cash flow
€10k▲
2024 · €-17k
Solvency
54.2%▼
2024 · 54.7%
Current ratio
0.00▲
2024 · 0.00
Quick ratio
0.00▲
2024 · 0.00
Debt / equity
0.75▲
2024 · 0.74
ROE
-3.1%▲
2024 · -6.2%
ROA
-1.7%▲
2024 · -3.4%
Interest coverage
73.13▲
2024 · -214.14
Debt
€614k▼
2024 · €621k
Debt ≤ 1 year
€614k▼
2024 · €621k
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€1.54M€1.51M▼
Fixed assets21/28€1.54M€1.51M▼
Tangible fixed assets22/27€1.54M€1.51M▼
Land and buildings22€1.54M€1.51M▼
Current assets29/58€395€884▲
Cash at bank and in hand54/58€395€884▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.51M▼
Equity10/15€843k€817k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€243k€235k▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€236k€229k▼
Profit (loss) carried forward14€538k€520k▼
Provisions and deferred taxes16€79k€76k▼
Provisions for liabilities and charges160/5€79k€76k▼
Taxes161€79k€76k▼
Amounts payable17/49€621k€614k▼
Amounts payable within one year42/48€621k€614k▼
Trade debts44-€66
Suppliers440/4-€66
Other amounts payable47/48€621k€614k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€35k=
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-16k€9k▲
Operating profit (loss)9901€-55k€-28k▲
Financial charges65/66B€90€101▲
Recurring financial charges65€90€101▲
Profit (loss) for the period before taxes9903€-55k€-28k▲
Transfer from deferred taxes780€3k€3k=
Profit (loss) for the period9904€-52k€-26k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€-45k€-18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€538k€520k▼
Profit (loss) brought forward from the previous period14P€583k€538k▼
The notes to these accounts (3 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €226k
Net result €226k after one loss-making year.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Diest · 1 establishment unit since 1996
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.
Nijverheidslaan 13290 DiestGround area
2,547 m²
Building footprint
308 m²
Volume, LiDAR
2,033 m³
Parcel 24020B0266/00Z000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.C.K. CONSULT
since 19962.077.552.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0266/00Z000 | Flanders | 2,547 m² | 1 · 308 m² | 9.9 m · 2 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-06-1996
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.