JAY'S CONSULT
ActiveSummary
JAY'S CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,222 and a net result of €5,724. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+2
Solvency52▼-28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.66 against 8.13 in 2024; short-term debt: 9.9% and cash: 14% of total assets), but 72.7% of the assets are financed with debt.
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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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
27.3%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
30 d late
2024
28 d late
2023
29 d late
2022
7 d early
2021
31 d late
2020
30 d late
2019
143 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5,724▲ 336%
2024 · €1,313
Working capital
€27,725▼ 53.6%
2024 · €59,691
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,473▼ 40.6%-€2,066▼ 40.2%€21,332€1,872▼ 91.2%€11,701▲ 525%
Net result-€1,535below the sector's middle half▼ 44.2%-€3,062below the sector's middle half▼ 99.6%€19,925within the sector's middle half€1,313below the sector's middle half▼ 93.4%€5,724within the sector's middle half▲ 336%
Equity€22,323below the sector's middle half▼ 6.4%€19,260below the sector's middle half▼ 13.7%€39,185within the sector's middle half▲ 103%€40,498within the sector's middle half▲ 3.4%€46,222within the sector's middle half▲ 14.1%
Total assets€26,071below the sector's middle half▼ 8.1%€22,799below the sector's middle half▼ 12.6%€46,424below the sector's middle half▲ 104%€73,703below the sector's middle half▲ 58.8%€169,456within the sector's middle half▲ 130%
Debt€3,748▼ 17.0%€3,538▼ 5.6%€7,239▲ 105%€8,377▲ 15.7%€123,234▲ 1,371%
Working capital€8,452within the sector's middle half▲ 25.8%€8,510within the sector's middle half▲ 0.7%€31,556within the sector's middle half▲ 271%€59,691within the sector's middle half▲ 89.2%€27,725within the sector's middle half▼ 53.6%
Solvency85.6%above the sector's middle half▲ 1.5pp84.5%above the sector's middle half▼ 1.1pp84.4%above the sector's middle half▼ 0.1pp54.9%within the sector's middle half▼ 29.5pp27.3%within the sector's middle half▼ 27.7pp
Current ratio3.26within the sector's middle half▲ 0.773.41within the sector's middle half▲ 0.155.36above the sector's middle half▲ 1.958.13above the sector's middle half▲ 2.772.66within the sector's middle half▼ 5.47
Return on assets (ROA)-5.9%below the sector's middle half▼ 2.1pp-13.4%below the sector's middle half▼ 7.5pp42.9%above the sector's middle half▲ 56.4pp1.8%within the sector's middle half▼ 41.1pp3.4%within the sector's middle half▲ 1.6pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 525% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169,456
Fixed assets
€125,001 ▲ 2,118%
Current assets
€44,455 ▼ 34.7%
Equity and liabilities €169,456
Equity
€46,222 ▲ 14.1%
Provisions
€0 ▼ 100%
Debt
€123,234 ▲ 1,371%
Debt's share of the balance-sheet total rises from 11.4% to 72.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42,162▲
2024 · €5,061
Cash flow
€36,185▲
2024 · €4,502
Debt to equity
2.67▲
2024 · 0.21
ROE
12.4%▲
2024 · 3.2%
Interest coverage
11.04▼
2024 · 68.86
Debt ≤ 1 year
€16,730▲
2024 · €8,377
Debt > 1 year
€106,504
Income taxes
€2,156▲
2024 · €538
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.4%
went bankrupt
1.6%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €24,828 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,269 | €3,120 | €3,120 | €3,189 | €30,462 | ▲ 855% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €24,828 | - | - |
| Other operating charges640/8 | €100 | - | - | - | €420 | - |
| Gross operating margin9900 | €1,896 | €1,055 | €24,453 | €29,889 | €42,582 | ▲ 42.5% |
| Operating profit (loss)9901 | -€1,473 | -€2,066 | €21,332 | €1,872 | €11,701 | ▲ 525% |
| Financial income75/76B | €0 | - | - | €53 | - | - |
| Recurring financial income75 | €0 | - | - | €53 | - | - |
| Financial charges65/66B | €62 | €997 | €87 | €74 | €3,820 | ▲ 5,098% |
| Recurring financial charges65 | €62 | €97 | €87 | €74 | €3,820 | ▲ 5,098% |
| Non-recurring financial charges66B | - | €900 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€1,535 | -€3,062 | €21,246 | €1,851 | €7,880 | ▲ 326% |
| Income taxes67/77 | - | - | €1,321 | €538 | €2,156 | ▲ 301% |
| Profit (loss) for the period9904 | -€1,535 | -€3,062 | €19,925 | €1,313 | €5,724 | ▲ 336% |
| Profit (loss) for the period to be appropriated9905 | -€1,535 | -€3,062 | €19,925 | €1,313 | €5,724 | ▲ 336% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,071 | €22,799 | €46,424 | €73,703 | €169,456 | ▲ 130% |
| Fixed assets21/28 | €13,870 | €10,750 | €7,629 | €5,635 | €125,001 | ▲ 2,118% |
| Tangible fixed assets22/27 | €13,870 | €10,750 | €7,629 | €5,635 | €125,001 | ▲ 2,118% |
| Land and buildings22 | - | - | - | - | €122,725 | - |
| Plant, machinery and equipment23 | - | - | - | €1,126 | €887 | ▼ 21.2% |
| Other tangible fixed assets26 | €13,870 | €10,750 | €7,629 | €4,509 | €1,388 | ▼ 69.2% |
| Current assets29/58 | €12,201 | €12,049 | €38,795 | €68,068 | €44,455 | ▼ 34.7% |
| Amounts receivable within one year40/41 | €8,914 | €7,684 | €16,655 | €32,692 | €20,742 | ▼ 36.6% |
| Trade receivables40 | €1,250 | €20 | €8,924 | €23,844 | €14,140 | ▼ 40.7% |
| Other amounts receivable41 | €7,664 | €7,664 | €7,731 | €8,849 | €6,602 | ▼ 25.4% |
| Cash at bank and in hand54/58 | €3,287 | €4,365 | €22,140 | €35,376 | €23,713 | ▼ 33.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,071 | €22,799 | €46,424 | €73,703 | €169,456 | ▲ 130% |
| Equity10/15 | €22,323 | €19,260 | €39,185 | €40,498 | €46,222 | ▲ 14.1% |
| Contributions10/11 | €18,549 | €18,549 | €18,549 | €18,549 | €18,549 | = |
| Capital10 | €18,549 | €18,549 | - | - | - | - |
| Issued capital100 | €18,549 | €18,549 | - | - | - | - |
| Reserves13 | €657 | €657 | €657 | €657 | €657 | = |
| Non-distributable reserves130/1 | €657 | €657 | €657 | €657 | €657 | = |
| Legal reserve130 | €657 | €657 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €657 | €657 | €657 | = |
| Profit (loss) carried forward14 | €3,116 | €54 | €19,979 | €21,292 | €27,015 | ▲ 26.9% |
| Provisions and deferred taxes16 | - | - | - | €24,828 | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €24,828 | - | - |
| Environmental obligations163 | - | - | - | €24,828 | - | - |
| Amounts payable17/49 | €3,748 | €3,538 | €7,239 | €8,377 | €123,234 | ▲ 1,371% |
| Amounts payable after more than one year17 | - | - | - | - | €106,504 | - |
| Financial debts170/4 | - | - | - | - | €106,504 | - |
| Amounts payable within one year42/48 | €3,748 | €3,538 | €7,239 | €8,377 | €16,730 | ▲ 99.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €6,048 | - |
| Trade debts44 | €210 | - | €2,380 | €2,980 | €5,353 | ▲ 79.6% |
| Suppliers440/4 | €210 | - | €2,380 | €2,980 | €5,353 | ▲ 79.6% |
| Taxes, remuneration and social security45 | €1,110 | €1,110 | €2,431 | €2,969 | €2,695 | ▼ 9.3% |
| Taxes450/3 | €1,110 | €1,110 | €2,431 | €2,969 | €2,695 | ▼ 9.3% |
| Other amounts payable47/48 | €2,428 | €2,428 | €2,428 | €2,428 | €2,635 | ▲ 8.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,535 | -€3,062 | €19,925 | €1,313 | €5,724 | ▲ 336% |
| + Depreciation and write-downs630 | €3,269 | €3,120 | €3,120 | €3,189 | €30,462 | ▲ 855% |
| Operating cash flow (approximation) | €1,735 | €58 | €23,045 | €4,502 | €36,185 | ▲ 704% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,195 | -€149,828 | ▼ 12,442% |
| Change in cash | - | €1,078 | €17,775 | €13,236 | -€11,662 | ▼ 188% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €19,925
Net result €19,925 after 5 loss-making years.
24-07
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
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 143 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2016
Ground area
200 m²
Building footprint
89 m²
Volume, LiDAR
1,023 m³
Parcel 21442A0129/00P012, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JAY'S CONSULT
since 20162.257.768.436
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21442A0129/00P012 | Brussels | 200 m² | 1 · 89 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,601 companies in this sector we hold annual accounts for 52,629. 37,714 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded25-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0659870907
Also
9925:BE0659870907
Registered
31-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.