J-Y
ActiveJ-Y has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €28k. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 46% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-3
Solvency79▲+17
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.3 in 2023; short-term debt: 36.9% and cash: 40.9% of total assets), and 46% of the assets are financed with debt.
Credit advice 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
Sector 70
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
27 d early
2022
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€113k▲ 32.8%
2023 · €85k
2022: €50k
2023: €85k
2022 → 2024
Total assets
€209k▼ 8.3%
2023 · €228k
2022: €208k
2023: €228k
2022 → 2024
Net result
€28k▼ 20.2%
2023 · €35k
2022: €45k
2023: €35k
2022 → 2024
Working capital
€58k▲ 99.7%
2023 · €29k
2022: €-8k
2023: €29k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€50k-€85k▲ 69.8%€113k▲ 32.8%
Operating result€62k-€51k▼ 17.4%€43k▼ 16.0%
Net result€45k-€35k▼ 22.4%€28k▼ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 16% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €209k
Fixed assets
€74k▼ 28.3%
Current assets
€135k▲ 8.2%
Equity and liabilities €209k
Equity
€113k▲ 32.8%
Debt
€96k▼ 32.8%
The debt ratio falls from 62.7% to 46.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2023 · €80k
Cash flow
€57k▼
2023 · €64k
Solvency
54.0%▲
2023 · 37.3%
Current ratio
1.75▲
2023 · 1.30
Quick ratio
1.75▲
2023 · 1.30
Debt / equity
0.85▼
2023 · 1.68
ROE
24.7%▼
2023 · 41.1%
ROA
13.3%▼
2023 · 15.3%
Interest coverage
29.93▼
2023 · 34.17
Debt
€96k▼
2023 · €143k
Debt ≤ 1 year
€77k▼
2023 · €96k
Debt > 1 year
€19k▼
2023 · €47k
Income taxes
€13k▼
2023 · €14k
Staff costs
€36▲
2023 · €0
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€228k€209k▼
Fixed assets21/28€103k€74k▼
Tangible fixed assets22/27€103k€74k▼
Furniture and vehicles24€103k€74k▼
Current assets29/58€125k€135k▲
Amounts receivable within one year40/41€25k€50k▲
Trade receivables40€25k€50k▲
Cash at bank and in hand54/58€100k€85k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€228k€209k▼
Equity10/15€85k€113k▲
Contributions10/11€5k€5k=
Reserves13€35k€63k▲
Distributable reserves133€35k€63k▲
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€143k€96k▼
Amounts payable after more than one year17€47k€19k▼
Financial debts170/4€47k€19k▼
Amounts payable within one year42/48€96k€77k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€11k€2k▼
Suppliers440/4€11k€2k▼
Taxes, remuneration and social security45€40k€36k▼
Taxes450/3€40k€34k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€17k€12k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€0€36▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€83k€75k▼
Operating profit (loss)9901€51k€43k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€49k€40k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€35k€28k▼
Profit (loss) for the period to be appropriated9905€35k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€73k▼
Profit (loss) brought forward from the previous period14P€45k€45k=
Transfer to equity691/2€35k€28k▼
To other reserves6921€35k€28k▼
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
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €28k ▼20.2%
Net result drops to €28k, the lowest in the series.
31-12
Financial
Equity above €100kEq €113k ▲32.8%
3 profitable years in a row build equity to €113k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Oud-Turnhout · 1 establishment unit since 2022
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.
Steenweg op Ravels 2902360 Oud-TurnhoutGround area
718 m²
Building footprint
200 m²
Volume, LiDAR
703 m³
Parcel 13031C0254/08D000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J-Y
since 20222.328.752.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13031C0254/08D000 | Flanders | 718 m² | 1 · 200 m² | 5.5 m · 1 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.
Similar companies · same sector, comparable size
MANDALAY 360XP
BE 0712.871.113
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CONSULFIN
BE 1008.347.662
Chaudfontaine · Eq €113k
ASTERION TRAINING EN CONSULTANCY
BE 0866.528.021
Nijlen · Eq €113k
STINGER
BE 0728.880.665
Ottignies-Louvain-la-Neuve · Eq €113k
GILICA
BE 0884.792.329
Herenthout · Eq €113k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,779 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.