J.R.A. CONSULT
ActiveJ.R.A. CONSULT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €184k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 5.8 in 2024), and 37.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
62.1%
Return on assets
32.6%
Age of the figures
8 mo
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 26-02-2026, 155 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
155 d early
2024
1 d early
2023
5 d early
2022
7 d early
2021
6 d early
2020
26 d late
2019
31 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, micro schema
Equity
€350k▼ 0.3%
2024 · €351k
2019: €22k
2020: €81k
2021: €169k
2022: €125k
2023: €223k
2024: €351k
2019 → 2025
Total assets
€564k▲ 39.7%
2024 · €404k
2019: €34k
2020: €179k
2021: €260k
2022: €249k
2023: €277k
2024: €404k
2019 → 2025
Net result
€184k▲ 43.5%
2024 · €128k
2019: €17k
2020: €59k
2021: €87k
2022: €107k
2023: €98k
2024: €128k
2019 → 2025
Working capital
€250k▼ 0.5%
2024 · €251k
2019: €20k
2020: €70k
2021: €143k
2022: €107k
2023: €123k
2024: €251k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€169k-€125k▼ 25.7%€223k▲ 78.0%€351k▲ 57.4%€350k▼ 0.3%
Operating result€113k-€139k▲ 23.1%€138k▼ 1.1%€162k▲ 17.8%€242k▲ 49.4%
Net result€87k-€107k▲ 22.0%€98k▼ 8.3%€128k▲ 30.9%€184k▲ 43.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €564k
Fixed assets
€100k=
Current assets
€464k▲ 52.8%
Equity and liabilities €564k
Equity
€350k▼ 0.3%
Debt
€214k▲ 308%
The debt ratio rises from 13.0% to 37.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€242k▲
2024 · €163k
Cash flow
€184k▲
2024 · €129k
Solvency
62.1%▼
2024 · 87.0%
Current ratio
2.17▼
2024 · 5.80
Quick ratio
2.17▼
2024 · 5.80
Debt / equity
0.61▲
2024 · 0.15
ROE
52.5%▲
2024 · 36.5%
ROA
32.6%▲
2024 · 31.7%
Interest coverage
5772.71▲
2024 · 3876.70
Debt
€214k▲
2024 · €52k
Debt ≤ 1 year
€214k▲
2024 · €52k
Income taxes
€62k▲
2024 · €36k
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€404k€564k▲
Fixed assets21/28€100k€100k=
Tangible fixed assets22/27€47-
Plant, machinery and equipment23€47-
Financial fixed assets28€100k€100k=
Current assets29/58€304k€464k▲
Current investments50/53-€300k
Cash at bank and in hand54/58€303k€163k▼
Deferred charges and accrued income490/1€933€644▼
Equity and liabilities
Total equity and liabilities10/49€404k€564k▲
Equity10/15€351k€350k▼
Contributions10/11€5k€5k=
Reserves13€158k€158k=
Tax-exempt reserves132€63k€63k=
Distributable reserves133€95k€95k=
Profit (loss) carried forward14€188k€187k▼
Amounts payable17/49€52k€214k▲
Amounts payable within one year42/48€52k€214k▲
Taxes, remuneration and social security45€14k€24k▲
Taxes450/3€14k€24k▲
Other amounts payable47/48€39k€190k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€562€47▼
Other operating charges640/8€651€667▲
Gross operating margin9900€163k€243k▲
Operating profit (loss)9901€162k€242k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€42€42=
Recurring financial charges65€42€42=
Profit (loss) for the period before taxes9903€164k€246k▲
Income taxes67/77€36k€62k▲
Profit (loss) for the period9904€128k€184k▲
Transfer to tax-exempt reserves689€63k-
Profit (loss) for the period to be appropriated9905€65k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€372k▲
Profit (loss) brought forward from the previous period14P€123k€188k▲
Profit to be distributed694/7-€185k
Return on contributions (dividend)694-€185k
The notes to these accounts (7 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €184k ▲43.5%
Operating result €242k, net result €184k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €223k ▲78%
5 profitable years in a row build equity to €223k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €169k ▲108%
3 profitable years in a row build equity to €169k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hamme (Vl.) · 1 establishment unit since 2019
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.
Vredestraat 109220 Hamme (Vl.)Ground area
426 m²
Building footprint
119 m²
Volume, LiDAR
642 m³
Parcel 42014B0747/00E000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.R.A. CONSULT
since 20192.290.350.142
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B0747/00E000 | Flanders | 426 m² | 1 · 119 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400H5KR3Q99EZFF88
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2019
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.