Active BE 0869.950.735Private limited companyOpen bankruptcy

J & G CONSULTANCY

Paddekotseheide 12 ·2560 Nijlen, Belgium· 21 yrs active

Sector: Head offices & management consulting (70200)

Conclusion Checked

A bankruptcy procedure is open for J & G CONSULTANCY according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €954k and a net result of €-81k.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€954k
Net result	€-81k
Active	21 yrs
Board	1

Snowflake analysis 5 of 5 axes measured · computed by Checked

20 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 20

Growth 78

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2023 · computed

0 / 100 Critical

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 22-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Net profit

€-81k

-1.4% 18-23

Total assets

€10.10M

+267.6% 18-23

Equity

€954k

-7.8% 18-23

Working capital

€954k

-7.8% 18-23

Income taxes

€0

-100.0% 18-23

Debt

€9.15M

+433.9% 18-23

Debt ≤ 1y

€9.15M

+433.9% 18-23

Current ratio

1.10

-31.2% 18-23

Quick ratio

1.10

-31.2% 18-23

Solvency

9.4%

-74.9% 18-23

Debt / equity

9.59

+479.3% 18-23

ROE

-8.5%

-10.0% 18-23

ROA

-0.8%

+72.4% 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€-81k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€10.10M
Equity	€954k
Debt	€9.15M
of which ≤ 1y	€9.15M
of which > 1y	-
Working capital	€954k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	1.10
Quick ratio	1.10
Working capital ratio	9.4%
Solvency	9.4%
Debt / equity	9.59
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-0.8%
ROE	-8.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Equity & liabilities

Equity €954k · 9.4% Debt €9.15M · 90.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€10.10M
Current assets	29/58	€10.10M
Amounts receivable within one year	40/41	€10.10M
Cash & bank	54/58	€68
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€10.10M
Equity	10/15	€954k
Contributions / capital	10/11	€13k
Reserves	13	€2k
Accumulated profits (losses)	14	€940k
Amounts payable	17/49	€9.15M
Amounts payable within one year	42/48	€9.15M
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€-5k
Operating result	9901	€-6k
Financial income	75	€61
Financial charges	65	€75k
Result before taxes	9903	€-81k
Net result for the period	9904	€-81k
Result to be appropriated	9905	€-81k

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Ratios computed by Checked.

Directors & mandates 1 directors

Current directors & mandates

Didier Hector Maria Hammes
Director
State Gazette act 24376455 (14-03-2024)

Current
14-03-2024 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	LIESBET JACOBS GROENE LAAN 47, 2830 WILLE- BROEK	20-10-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Head offices & management consulting(70200)
Legal form	Private limited company(610)
Incorporation	28-10-2004
Status	Active
Postal code	2560
First BS signal	24-10-2025
Latest BS signal	24-10-2025

Company structure, linked entities1 linked entities

Mandates

Establishment units 1 location

-

Paddekotseheide 12, 2560 Nijlenhet verlenen van advies en praktische hulp aan de bedrijven i.v.m. public relations en communicatie

since 20042.144.008.618

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12026B0330/00E008	Flanders	1,368 m²	1 · 183 m²	19.0 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

24-10-2025

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Mechelen · J & G CONSULTANCY BV PADDEKOTSEHEIDE 12, 2560 NIJLEN · event 20-10-2025

22-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

26-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

14-03-2024

State Gazette act Statutes amendment

v3.2

2023

16-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

27-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

30-06-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

29-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

06-06-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

29-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

31-07-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

30-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · verkort

Lifecycle & Insolvency Signals 1 events

24-10-2025

Bankruptcy Opening

Date: 20-10-2025 · Ondernemingsrechtbank Antwerpen, afdeling Mechelen · J & G CONSULTANCY BV PADDEKOTSEHEIDE 12, 2560 NIJLEN · Publications in State Gazette ↗

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

14-03-2024 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

J & G CONSULTANCY

Registered office

Paddekotseheide 12

2560 Nijlen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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