Summary
J.E Conseils et Services 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 €70k and a net result of €36k. Equity is growing by ~86.7% per year across the filed fiscal years. Its solvency ranks better than 73% of 2435 sector peers (fiscal year 2025). The company has been active since 2023 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
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 21-05-2026, 71 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
71 d early
2024
28 d early
2023
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 101%
2024 · €35k
2023: €10k
2024: €35k
2023 → 2025
Net result
€36k▲ 39.4%
2024 · €26k
2023: €10k
2024: €26k
2023 → 2025
Total assets
€94k▲ 42.1%
2024 · €66k
2023: €19k
2024: €66k
2023 → 2025
Solvency
74.3%▲ 21.9pp
2024 · 52.4%
2023: 50.8%
2024: 52.4%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€35k▲ 257%€70k▲ 101%
Operating result€12k-€35k▲ 193%€48k▲ 34.9%
Net result€10k-€26k▲ 170%€36k▲ 39.4%
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 two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€10k ▼ 47.8%
Current assets
€84k ▲ 77.8%
Equity and liabilities €94k
Equity
€70k ▲ 101%
Debt
€24k ▼ 23.3%
Debt's share of the balance-sheet total falls from 47.6% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
51.5%▼
2024 · 74.5%
ROA
38.3%▼
2024 · 39.0%
Debt ≤ 1 year
€23k▲
2024 · €23k
Debt > 1 year
€707▼
2024 · €9k
Income taxes
€11k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€66k€94k▲
Fixed assets21/28€19k€10k▼
Tangible fixed assets22/27€19k€10k▼
Furniture and vehicles24€19k€10k▼
Current assets29/58€47k€84k▲
Amounts receivable within one year40/41€199€26k▲
Trade receivables40€199€17k▲
Other amounts receivable41-€9k
Cash at bank and in hand54/58€46k€58k▲
Deferred charges and accrued income490/1€1k€92▼
Equity and liabilities
Total equity and liabilities10/49€66k€94k▲
Equity10/15€35k€70k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€34k€69k▲
Amounts payable17/49€32k€24k▼
Amounts payable after more than one year17€9k€707▼
Financial debts170/4€9k€707▼
Amounts payable within one year42/48€23k€23k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€174€689▲
Suppliers440/4€174€689▲
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9€270-
Other amounts payable47/48€1k€833▼
Accrued charges and deferred income492/3€20€17▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€768▼
Gross operating margin9900€45k€57k▲
Operating profit (loss)9901€35k€48k▲
Financial income75/76B€1€225▲
Recurring financial income75€1€225▲
Financial charges65/66B€1k€591▼
Recurring financial charges65€1k€591▼
Profit (loss) for the period before taxes9903€34k€47k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€26k€36k▲
Profit (loss) for the period to be appropriated9905€26k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€70k▲
Profit (loss) brought forward from the previous period14P€9k€34k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (6 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
10-09
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 24/02/2026
- Registered-office move, rue de Rochefort 166, 5570 Beauraing
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €36k ▲39.4%
Operating result €48k, net result €36k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beauraing · 1 establishment unit since 2023
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.
rue de Rochefort 1665570 BeauraingGround area
2,500 m²
Building footprint
226 m²
Volume, LiDAR
1,351 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.E Conseils et Services
since 20232.352.477.553
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84025B0878/00Y000 | Wallonia | 1,562 m² | 1 · 120 m² | 8.2 m · 2 fl. |
| 91013A1114/00X000 | Wallonia | 937 m² | 1 · 107 m² | 7.3 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.
Similar companies · same sector, comparable size
ZAKENKANTOOR BUYSSE-STEYAERT
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AST CONSULT
BE 0672.918.296
Morlanwelz · Eq €70,147
Kantoor Walravens
BE 1015.023.836
Halle · Eq €69,790
PROSPERITAS
BE 0810.434.109
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MEZZINO
BE 0541.449.842
Mons · Eq €70,749
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 976 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.