J.D. CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €106k and a net result of €28k. Equity is shrinking by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 7980 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 11-03-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
3 d late
2023
4 d late
2022
1 d early
2021
1 d late
2020
9 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close16-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 35.5%
2024 · €78k
2019: €249k
2020: €164k
2021: €112k
2022: €113k
2023: €104k
2024: €78k
2019 → 2025
Net result
€28k
2024 · €-25k
2019: €-51k
2020: €-85k
2021: €-52k
2022: €2k
2023: €-10k
2024: €-25k
2019 → 2025
Total assets
€1.68M▲ 0.1%
2024 · €1.68M
2019: €1.87M
2020: €1.82M
2021: €1.80M
2022: €1.75M
2023: €1.71M
2024: €1.68M
2019 → 2025
Solvency
6.3%▲ 1.7pp
2024 · 4.7%
2019: 13.3%
2020: 9.0%
2021: 6.2%
2022: 6.5%
2023: 6.1%
2024: 4.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€113k▲ 1.4%€104k▼ 8.4%€78k▼ 24.5%€106k▲ 35.5%
Operating result€-40k-€13k€15k▲ 9.9%€15k▲ 1.3%€58k▲ 292%
Net result€-52k-€2k€-10k€-25k▼ 167%€28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 292% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.63M▼ 1.7%
Current assets
€50k▲ 140%
Equity and liabilities €1.68M
Equity
€106k▲ 35.5%
Debt
€1.57M▼ 1.7%
The debt ratio falls from 95.3% to 93.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
6.3%▲
2024 · 4.7%
ROE
26.2%▲
2024 · -32.5%
ROA
1.7%▲
2024 · -1.5%
Debt
€1.57M▼
2024 · €1.60M
Debt ≤ 1 year
€1.02M▲
2024 · €942k
Debt > 1 year
€558k▼
2024 · €655k
Income taxes
€689▼
2024 · €697
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€1.68M€1.68M▲
Fixed assets21/28€1.66M€1.63M▼
Tangible fixed assets22/27€1.66M€1.63M▼
Land and buildings22€1.61M€1.57M▼
Furniture and vehicles24€3k€14k▲
Other tangible fixed assets26€48k€48k=
Current assets29/58€21k€50k▲
Amounts receivable within one year40/41€0€16k▲
Trade receivables40€0€16k▲
Cash at bank and in hand54/58€16k€27k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.68M▲
Equity10/15€78k€106k▲
Contributions10/11€300k€300k=
Profit (loss) carried forward14€-222k€-194k▲
Amounts payable17/49€1.60M€1.57M▼
Amounts payable after more than one year17€655k€558k▼
Financial debts170/4€655k€558k▼
Amounts payable within one year42/48€942k€1.02M▲
Current portion of amounts payable after more than one year42€97k€97k=
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€948€3k▲
Taxes450/3€948€3k▲
Other amounts payable47/48€834k€906k▲
Accrued charges and deferred income492/3€3k€357▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€41k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€60k€105k▲
Operating profit (loss)9901€15k€58k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€39k€29k▼
Recurring financial charges65€39k€29k▼
Profit (loss) for the period before taxes9903€-25k€28k▲
Income taxes67/77€697€689▼
Profit (loss) for the period9904€-25k€28k▲
Profit (loss) for the period to be appropriated9905€-25k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-222k€-194k▲
Profit (loss) brought forward from the previous period14P€-196k€-222k▼
The notes to these accounts (9 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-07
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-07
Financial
Equity above €100kEq €106k ▲35.5%
Equity rises from €78k to €106k.
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 4 days late
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
Financial
Weakest financial yearnet €-85k
Net result drops to €-85k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
01-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
09-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
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, Merelbeke-Melle · 1 establishment unit since 2011
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.
Wevershof 79090 Merelbeke-MelleGround area
2,226 m²
Building footprint
241 m²
Volume, LiDAR
1,441 m³
Parcel 44402A0109/00A000, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.D. CONSULT
since 20112.203.416.663
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44402A0109/00A000 | Flanders | 2,226 m² | 1 · 240 m² | 12.1 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.
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Findation
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dopo
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Roeselare · Eq €106k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2011
Fiscal year end31-07
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.