J.D.-CONSULT
ActiveJ.D.-CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €2.11M. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 25% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency24▼-73
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 2.0 in 2024), and 82.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
17.1%
Return on assets
32%
Age of the figures
8 mo
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
2 d early
2023
58 d late
2022
22 d late
2021
8 d early
2020
45 d late
2019
118 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.13M▼ 44.1%
2024 · €2.02M
2018: €1.56M
2019: €1.60M
2020: €1.48M
2021: €1.82M
2022: €1.11M
2023: €2.19M
2024: €2.02M
2018 → 2025
Total assets
€6.60M▲ 80.1%
2024 · €3.66M
2018: €2.22M
2019: €2.67M
2020: €2.29M
2021: €2.79M
2022: €2.42M
2023: €3.85M
2024: €3.66M
2018 → 2025
Net result
€2.11M▲ 15.4%
2024 · €1.83M
2018: €364k
2019: €45k
2020: €-119k
2021: €337k
2022: €145k
2023: €1.08M
2024: €1.83M
2018 → 2025
Working capital
€369k▼ 77.2%
2024 · €1.62M
2018: €1.38M
2019: €1.35M
2020: €1.28M
2021: €1.62M
2022: €1.02M
2023: €2.28M
2024: €1.62M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.82M-€1.11M▼ 39.1%€2.19M▲ 97.7%€2.02M▼ 7.9%€1.13M▼ 44.1%
Operating result€474k-€233k▼ 51.0%€1.49M▲ 541%€2.53M▲ 70.0%€2.93M▲ 15.9%
Net result€337k-€145k▼ 57.1%€1.08M▲ 649%€1.83M▲ 68.7%€2.11M▲ 15.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 16% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.60M
Fixed assets
€791k▲ 82.6%
Current assets
€5.81M▲ 79.7%
Equity and liabilities €6.60M
Equity
€1.13M▼ 44.1%
Debt
€5.47M▲ 233%
The debt ratio rises from 44.9% to 82.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€3.11M▲
2024 · €2.62M
Cash flow
€2.29M▲
2024 · €1.91M
Solvency
17.1%▼
2024 · 55.1%
Current ratio
1.07▼
2024 · 2.00
Quick ratio
1.07▼
2024 · 2.00
Debt / equity
4.84▲
2024 · 0.81
ROE
186.7%▲
2024 · 90.5%
ROA
32.0%▼
2024 · 49.9%
Interest coverage
1069.64▼
2024 · 1365.73
Debt
€5.47M▲
2024 · €1.64M
Debt ≤ 1 year
€5.44M▲
2024 · €1.61M
Debt > 1 year
€0▼
2024 · €3k
Income taxes
€824k▲
2024 · €711k
Staff costs
€3.35M▲
2024 · €1.99M
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€3.66M€6.60M▲
Fixed assets21/28€433k€791k▲
Intangible fixed assets21€33k€9k▼
Tangible fixed assets22/27€360k€733k▲
Land and buildings22€75k€127k▲
Plant, machinery and equipment23€10k€15k▲
Furniture and vehicles24€275k€591k▲
Financial fixed assets28€40k€49k▲
Current assets29/58€3.23M€5.81M▲
Amounts receivable within one year40/41€2.34M€3.97M▲
Trade receivables40€2.26M€3.09M▲
Other amounts receivable41€84k€883k▲
Current investments50/53€102k€105k▲
Cash at bank and in hand54/58€781k€1.67M▲
Deferred charges and accrued income490/1€5k€66k▲
Equity and liabilities
Total equity and liabilities10/49€3.66M€6.60M▲
Equity10/15€2.02M€1.13M▼
Contributions10/11€19k€19k=
Reserves13€1.09M€1.09M=
Tax-exempt reserves132€245€245=
Distributable reserves133€1.09M€1.09M=
Profit (loss) carried forward14€911k€21k▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€1.64M€5.47M▲
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€1.61M€5.44M▲
Current portion of amounts payable after more than one year42€8k€3k▼
Trade debts44€189k€299k▲
Suppliers440/4€189k€299k▲
Taxes, remuneration and social security45€1.33M€2.04M▲
Taxes450/3€1.10M€1.71M▲
Remuneration and social security454/9€226k€331k▲
Other amounts payable47/48€90k€3.09M▲
Accrued charges and deferred income492/3€28k€31k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.99M€3.35M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€175k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€17k€0▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-220k€0▲
Other operating charges640/8€237k€12k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€4.64M€6.47M▲
Operating profit (loss)9901€2.53M€2.93M▲
Financial income75/76B€8k€2k▼
Recurring financial income75€8k€2k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€2.54M€2.93M▲
Income taxes67/77€711k€824k▲
Profit (loss) for the period9904€1.83M€2.11M▲
Profit (loss) for the period to be appropriated9905€1.83M€2.11M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.91M€3.02M▲
Profit (loss) brought forward from the previous period14P€1.08M€911k▼
Profit to be distributed694/7€2.00M€3.00M▲
Return on contributions (dividend)694€2.00M€3.00M▲
Social balance
Average headcount (FTE)908728.444.5▲
The notes to these accounts (19 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €2.11M ▲15.4%
Operating result €2.93M, net result €2.11M, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
31-12
Financial
Equity above €2MEq €2.19M ▲97.7%
3 profitable years in a row build equity to €2.19M.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €337k
Net result €337k after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 45 days late
2020
31-12
Financial
Weakest financial yearnet €-119k ▼364%
Net result drops to €-119k, the lowest in the series; recovery starts the following year.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 118 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Keerbergen · 2 establishment units since 2007
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.
Krekelweg 23140 KeerbergenGround area
1.2 ha
Building footprint
6,250 m²
Volume, LiDAR
24,218 m³
2 parcels, Flanders · tallest building 16.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
J.D.-Consult
since 20072.166.419.180
J.D.-CONSULT
since 20192.287.746.582
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014K0756/00W000 | Flanders | 1.1 ha | 1 · 6,024 m² | 16.8 m · 2 fl. |
| 24472F0183/00X000 | Flanders | 1,566 m² | 1 · 226 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 7,134 EUR awarded · 7,134 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,115 EUR | 1,115 EUR |
| 2024 | 1 | 3,000 EUR | 3,000 EUR |
| 2023 | 2 | 2,539 EUR | 2,539 EUR |
| 2022 | 1 | 480 EUR | 480 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 16,813 companies in sector 62100 we hold annual accounts for 8,746. 3,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2007
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jd@jd-consult.be