Javer Consulting
ActiveSummary
Javer Consulting has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €90k. Equity is shrinking by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+29
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 1.18 in 2024; short-term debt: 18.7% and cash: 48.2% of total assets), and 18.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
81.3%
Return on assets
66.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €110k
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
20 d early
2023
28 d late
2022
4 d early
2021
31 d late
2020
31 d late
2019
on the day
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€110k▲ 79.4%
2024 · €61k
2018: €199k
2019: €250k
2020: €316k
2021: €386k
2022: €116k
2023: €72k
2024: €61k
2018 → 2025
Total assets
€135k▲ 1.2%
2024 · €134k
2018: €218k
2019: €269k
2020: €373k
2021: €447k
2022: €221k
2023: €195k
2024: €134k
2018 → 2025
Net result
€90k▲ 10.8%
2024 · €81k
2018: €79k
2019: €79k
2020: €67k
2021: €57k
2022: €72k
2023: €63k
2024: €81k
2018 → 2025
Working capital
€102k▲ 689%
2024 · €13k
2018: €181k
2019: €234k
2020: €290k
2021: €363k
2022: €21k
2023: €8k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€386k-€116k▼ 70.0%€72k▼ 37.4%€61k▼ 15.2%€110k▲ 79.4%
Operating result€76k-€92k▲ 20.7%€84k▼ 8.0%€104k▲ 24.0%€115k▲ 10.4%
Net result€57k-€72k▲ 25.1%€63k▼ 12.1%€81k▲ 28.4%€90k▲ 10.8%
Turnover and EBIT margin not published: the 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 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€8k ▼ 83.3%
Current assets
€127k ▲ 50.7%
Equity and liabilities €135k
Equity
€110k ▲ 79.4%
Debt
€25k ▼ 65.0%
Debt's share of the balance-sheet total falls from 54.2% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▼
2024 · €121k
Cash flow
€92k▼
2024 · €97k
Current ratio
5.02▲
2024 · 1.18
Debt to equity
0.23▼
2024 · 1.18
ROE
81.5%▼
2024 · 132.0%
ROA
66.2%▲
2024 · 60.5%
Interest coverage
232.27▲
2024 · 111.32
Debt ≤ 1 year
€25k▼
2024 · €71k
Income taxes
€25k▲
2024 · €22k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€134k€135k▲
Fixed assets21/28€49k€8k▼
Tangible fixed assets22/27€49k€8k▼
Furniture and vehicles24€47k€6k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€84k€127k▲
Amounts receivable within one year40/41€45k€49k▲
Trade receivables40€37k€41k▲
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€26k€65k▲
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€134k€135k▲
Equity10/15€61k€110k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€41k€90k▲
Amounts payable17/49€72k€25k▼
Amounts payable within one year42/48€71k€25k▼
Financial debts43€2k€665▼
Credit institutions430/8€2k€665▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€11k€21k▲
Other amounts payable47/48€57k€2k▼
Accrued charges and deferred income492/3€991€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€3k▼
Other operating charges640/8€994€520▼
Non-recurring operating charges66A€25k€12k▼
Gross operating margin9900€147k€130k▼
Operating profit (loss)9901€104k€115k▲
Financial income75/76B€0€246▲
Recurring financial income75€0€246▲
Financial charges65/66B€1k€509▼
Recurring financial charges65€1k€509▼
Profit (loss) for the period before taxes9903€103k€115k▲
Income taxes67/77€22k€25k▲
Profit (loss) for the period9904€81k€90k▲
Profit (loss) for the period to be appropriated9905€81k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€131k▼
Profit (loss) brought forward from the previous period14P€52k€41k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€92k€41k▼
Return on contributions (dividend)694€92k€41k▼
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €90k ▲10.8%
Operating result €115k, net result €90k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.02
Current ratio from 1.18 to 5.02; short-term debt falls from €71k to €25k.
31-12
Financial
Equity above €100kEq €110k ▲79.4%
8 profitable years in a row build equity to €110k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €57k ▼14%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €250k ▲25.7%
2 profitable years in a row build equity to €250k.
Show earlier events
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Niel · 1 establishment unit since 2014
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.
Abel Janssenslaan 262845 NielGround area
651 m²
Building footprint
100 m²
Volume, LiDAR
674 m³
Parcel 11030C0086/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Javer Consulting
since 20142.229.827.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030C0086/00H000 | Flanders | 651 m² | 1 · 100 m² | 8.9 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.
Similar companies · same sector, comparable size
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TRAMEX BELGIUM
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Op de Beeck Co
BE 0801.292.749
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1ft Consulting
BE 0727.901.955
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,753 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
Founded07-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.