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J.DESUTTER

Active
Private limited companyfounded 201610 yrs activeBrugsesteenweg 17a, 8531 Harelbeke, BelgiumKBO/BCE: BE 0649.772.811
Summary

J.DESUTTER has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357k and a net result of €445k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+12
Solvency45▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.57 in 2024; short-term debt: 74.9% and cash: 4.8% of total assets), and 79.8% of the assets are financed with debt.
Credit check for your own amount and term

Signals

Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
20.2%
Return on assets
25.2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31791 sector peers (2025).
NBB · sector comparison
Position among 31791 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 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 · 9 filings
Deviation from the deadline
2025
16 d late
2024
3 d late
2023
19 d late
2022
8 d late
2021
2 d late
2020
8 d late
2019
5 d late
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close25-09-2026 today31-01-2027 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

Financials · fiscal year 2025, micro schema

Equity
€357k▲ 6.0%
2024 · €337k
Total assets
€1.77M▲ 2.0%
2024 · €1.74M
Net result
€445k▲ 65.2%
2024 · €270k
Working capital
€-449k▲ 23.4%
2024 · €-586k
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€91k▼ 4.4%€206k▲ 127%€285k▲ 38.9%€412k▲ 44.2%€629k▲ 52.8%
Net result€45k▲ 33.3%€130k▲ 189%€189k▲ 46.1%€270k▲ 42.3%€445k▲ 65.2%
Equity€398k▲ 43.0%€458k▲ 15.0%€517k▲ 13.0%€337k▼ 34.9%€357k▲ 6.0%
Total assets€1.24M▲ 2.1%€1.33M▲ 7.5%€1.46M▲ 9.8%€1.74M▲ 18.6%€1.77M▲ 2.0%
Debt€843k▼ 10.1%€876k▲ 3.9%€947k▲ 8.1%€1.40M▲ 47.8%€1.41M▲ 1.0%
Working capital€-651k▲ 21.8%€-546k▲ 16.2%€-440k▲ 19.4%€-586k▼ 33.2%€-449k▲ 23.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€200k€400k€600kOperating result 2021: €91k€91kNet result 2021: €45k€45kOperating result 2022: €206k€206kNet result 2022: €130k€130kOperating result 2023: €285k€285kNet result 2023: €189k€189kOperating result 2024: €412k€412kNet result 2024: €270k€270kOperating result 2025: €629k€629kNet result 2025: €445k€445k20212022202320242025€0€200k€400k€600kOperating result 2023: €285k€285kNet result 2023: €189k€189kOperating result 2024: €412k€412kNet result 2024: €270k€270kOperating result 2025: €629k€629kNet result 2025: €445k€445k202320242025
The operating result has risen four years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets €893k ▼ 6.4%
Current assets €878k ▲ 12.2%
Equity and liabilities €1.77M
Equity €357k ▲ 6.0%
Debt €1.41M ▲ 1.0%
Debt's share of the balance-sheet total falls from 80.6% to 79.8%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€690k▲
2024 · €458k
Cash flow
€506k▲
2024 · €316k
Current ratio
0.66▲
2024 · 0.57
Debt to equity
3.96▼
2024 · 4.15
ROE
124.6%▲
2024 · 80.0%
ROA
25.2%▲
2024 · 15.5%
Interest coverage
12.39▲
2024 · 10.16
Debt ≤ 1 year
€1.33M▼
2024 · €1.37M
Income taxes
€153k▲
2024 · €97k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.74M€1.77M▲
Fixed assets21/28€954k€893k▼
Tangible fixed assets22/27€954k€893k▼
Land and buildings22€919k€875k▼
Plant, machinery and equipment23-€14k
Furniture and vehicles24€35k€3k▼
Current assets29/58€782k€878k▲
Amounts receivable within one year40/41€639k€787k▲
Trade receivables40€633k€787k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€138k€85k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.77M▲
Equity10/15€337k€357k▲
Contributions10/11€325k€325k=
Reserves13€600€32k▲
Non-distributable reserves130/1€600€32k▲
Other1319€600€32k▲
Profit (loss) carried forward14€11k-
Amounts payable17/49€1.40M€1.41M▲
Amounts payable within one year42/48€1.37M€1.33M▼
Trade debts44€41k€5k▼
Suppliers440/4€41k€5k▼
Taxes, remuneration and social security45€39k€154k▲
Taxes450/3€35k€150k▲
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€1.29M€1.17M▼
Accrued charges and deferred income492/3€31k€87k▲
Income statement Code20242025
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€61k▲
Other operating charges640/8€11k€9k▼
Gross operating margin9900€469k€699k▲
Operating profit (loss)9901€412k€629k▲
Financial income75/76B€332€26k▲
Recurring financial income75€332€26k▲
Financial charges65/66B€45k€56k▲
Recurring financial charges65€45k€56k▲
Profit (loss) for the period before taxes9903€367k€599k▲
Income taxes67/77€97k€153k▲
Profit (loss) for the period9904€270k€445k▲
Profit (loss) for the period to be appropriated9905€270k€445k▲
Appropriation of the result
Profit (loss) to be appropriated9906€461k€457k▼
Profit (loss) brought forward from the previous period14P€192k€11k▼
Transfer to equity691/2-€32k
To contributions691-€32k
Profit to be distributed694/7€450k€425k▼
Return on contributions (dividend)694€450k€425k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A---€8k--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€46k€46k€47k€61k▲ 31.0%
Other operating charges640/8-€17k€8k€11k€9k▼ 11.9%
Gross operating margin9900€143k€269k€340k€469k€699k▲ 49.1%
Operating profit (loss)9901€91k€206k€285k€412k€629k▲ 52.8%
Financial income75/76B-€650€250€332€26k▲ 7,605%
Recurring financial income75€179€650€250€332€26k▲ 7,605%
Financial charges65/66B-€27k€27k€45k€56k▲ 23.5%
Recurring financial charges65€28k€27k€27k€45k€56k▲ 23.5%
Profit (loss) for the period before taxes9903€63k€180k€259k€367k€599k▲ 63.2%
Income taxes67/77€18k€50k€69k€97k€153k▲ 57.8%
Profit (loss) for the period9904€45k€130k€189k€270k€445k▲ 65.2%
Profit (loss) for the period to be appropriated9905€45k€130k€189k€270k€445k▲ 65.2%
Line20212022202320242025Change
Assets
Total assets20/58€1.24M€1.33M€1.46M€1.74M€1.77M▲ 2.0%
Fixed assets21/28€1.06M€1.02M€971k€954k€893k▼ 6.4%
Tangible fixed assets22/27€1.06M€1.02M€971k€954k€893k▼ 6.4%
Land and buildings22-€1.01M€963k€919k€875k▼ 4.8%
Plant, machinery and equipment23----€14k-
Furniture and vehicles24-€9k€7k€35k€3k▼ 90.0%
Current assets29/58€178k€317k€494k€782k€878k▲ 12.2%
Amounts receivable within one year40/41€90k€165k€465k€639k€787k▲ 23.2%
Trade receivables40-€165k€465k€633k€787k▲ 24.3%
Other amounts receivable41--€956€6k--
Cash at bank and in hand54/58€86k€148k€23k€138k€85k▼ 38.3%
Deferred charges and accrued income490/1-€5k€5k€5k€5k▲ 4.1%
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.33M€1.46M€1.74M€1.77M▲ 2.0%
Equity10/15€398k€458k€517k€337k€357k▲ 6.0%
Contributions10/11-€325k€325k€325k€325k=
Reserves13€600€600€600€600€32k▲ 5,273%
Non-distributable reserves130/1-€600€600€600€32k▲ 5,273%
Reserves not available under the articles1311-€600€600---
Other1319---€600€32k▲ 5,273%
Profit (loss) carried forward14€73k€132k€192k€11k--
Amounts payable17/49€843k€876k€947k€1.40M€1.41M▲ 1.0%
Amounts payable within one year42/48€829k€863k€934k€1.37M€1.33M▼ 3.1%
Trade debts44€28k€26k€29k€41k€5k▼ 86.5%
Suppliers440/4-€26k€29k€41k€5k▼ 86.5%
Taxes, remuneration and social security45-€37k€22k€39k€154k▲ 293%
Taxes450/3-€34k€18k€35k€150k▲ 325%
Remuneration and social security454/9-€4k€4k€4k€4k=
Other amounts payable47/48-€800k€882k€1.29M€1.17M▼ 9.4%
Accrued charges and deferred income492/3-€13k€13k€31k€87k▲ 178%
Line20212022202320242025Change
Profit (loss) for the period9904€45k€130k€189k€270k€445k▲ 65.2%
+ Depreciation and write-downs630€46k€46k€46k€47k€61k▲ 31.0%
Operating cash flow (approximation)€91k€176k€236k€316k€506k▲ 60.1%
Investment in fixed assets (approximation)-€0€0€-30k€0▲ 100%
Change in cash-€62k€-124k€115k€-53k▼ 146%

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 31-01-2027
2026
16-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
30-06
Financial Highest result since 2019net €445k ▲65.2%
Operating result €629k, net result €445k, both a record.
03-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
19-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
30-06
Financial Equity above €500kEq €517k ▲13%
4 profitable years in a row build equity to €517k.
08-02
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
02-02
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
08-02
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 8 days late
2020
30-06
Financial Back to profitnet €34k
Net result €34k after one loss-making year.
05-02
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
30-01
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-02
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Harelbeke · 1 establishment unit since 2016
seat establishment The establishment unit on the map
Ground area
2,082 m²
Building footprint
843 m²
Volume, LiDAR
3,963 m³
Parcel 34017A0003/00H000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J. DESUTTER
Brugsesteenweg 17a, 8531 HarelbekeActivities auxiliary to financial services and insurance activities
since 20162.251.465.515
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34017A0003/00H000 Flanders 2,082 m² 1 · 843 m² 12.0 m · 2 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 82,632 companies in sector 70200 we hold annual accounts for 52,575. 37,106 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
Founded09-03-2016
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy

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