JB CONSULT
ActiveSummary
JB CONSULT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.36M and a net result of €73k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-53
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 46.73 against 50.28 in 2024; short-term debt: 2.1% and cash: 5.2% of total assets), and 2.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
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
97.9%
Return on assets
0.8%
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
14 d early
2023
14 d early
2022
14 d early
2021
13 d early
2020
8 d early
2019
17 d early
← 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
Equity
€8.36M=
2024 · €8.36M
2018: €1.15M
2019: €1.21M
2020: €7.90M
2021: €8.79M
2022: €8.55M
2023: €8.13M
2024: €8.36M
2018 → 2025
Total assets
€8.54M▲ 0.2%
2024 · €8.52M
2018: €1.51M
2019: €1.45M
2020: €8.73M
2021: €9.75M
2022: €9.10M
2023: €8.81M
2024: €8.52M
2018 → 2025
Net result
€73k▼ 73.2%
2024 · €271k
2018: €47k
2019: €55k
2020: €6.70M
2021: €1.00M
2022: €153k
2023: €145k
2024: €271k
2018 → 2025
Working capital
€8.24M▲ 0.2%
2024 · €8.22M
2018: €277k
2019: €343k
2020: €7.49M
2021: €8.77M
2022: €8.52M
2023: €7.96M
2024: €8.22M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.79M-€8.55M▼ 2.8%€8.13M▼ 4.9%€8.36M▲ 2.8%€8.36M=
Operating result€1.32M-€59k▼ 95.5%€32k▼ 46.2%€46k▲ 46.0%€-128k
Net result€1.00M-€153k▼ 84.7%€145k▼ 5.7%€271k▲ 87.7%€73k▼ 73.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €128k after €46k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.54M
Fixed assets
€118k ▼ 11.2%
Current assets
€8.42M ▲ 0.4%
Equity and liabilities €8.54M
Equity
€8.36M =
Debt
€180k ▲ 8.0%
Debt's share of the balance-sheet total rises from 2.0% to 2.1%. Debt is higher.
Key figures and ratios
EBITDA
€-82k▼
2024 · €88k
Cash flow
€118k▼
2024 · €313k
Current ratio
46.73▼
2024 · 50.28
Debt to equity
0.02▲
2024 · 0.02
ROE
0.9%▼
2024 · 3.2%
ROA
0.8%▼
2024 · 3.2%
Interest coverage
-7.54▼
2024 · 14.47
Debt ≤ 1 year
€180k▲
2024 · €167k
Income taxes
€6k▼
2024 · €84k
Staff costs
€10k▲
2024 · €10k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.52M€8.54M▲
Fixed assets21/28€133k€118k▼
Tangible fixed assets22/27€133k€118k▼
Plant, machinery and equipment23€62k€66k▲
Furniture and vehicles24€71k€52k▼
Current assets29/58€8.39M€8.42M▲
Amounts receivable after more than one year29€300k-
Other amounts receivable291€300k-
Amounts receivable within one year40/41€28k€72k▲
Trade receivables40€21k€18k▼
Other amounts receivable41€7k€54k▲
Current investments50/53€7.65M€7.87M▲
Cash at bank and in hand54/58€380k€447k▲
Deferred charges and accrued income490/1€32k€38k▲
Equity and liabilities
Total equity and liabilities10/49€8.52M€8.54M▲
Equity10/15€8.36M€8.36M=
Contributions10/11€31k€31k=
Reserves13€8.32M€8.33M▲
Distributable reserves133€8.32M€8.33M▲
Profit (loss) carried forward14€6k€4k▼
Amounts payable17/49€167k€180k▲
Amounts payable within one year42/48€167k€180k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€21k€13k▼
Taxes450/3€20k€12k▼
Remuneration and social security454/9€882€813▼
Other amounts payable47/48€144k€163k▲
Income statement
Code20242025
Remuneration, social security and pensions62€10k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€46k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€105k€-68k▼
Operating profit (loss)9901€46k€-128k▼
Financial income75/76B€315k€217k▼
Recurring financial income75€315k€217k▼
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€355k€79k▼
Income taxes67/77€84k€6k▼
Profit (loss) for the period9904€271k€73k▼
Profit (loss) for the period to be appropriated9905€271k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€277k€79k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Transfer from equity791/2€46k€54k▲
Transfer to equity691/2€271k€60k▼
To other reserves6921€271k€60k▼
Profit to be distributed694/7€46k€69k▲
Return on contributions (dividend)694€46k€54k▲
Directors or managers695-€15k
The notes to these accounts (5 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 50.28
Current ratio from 12.80 to 50.28; short-term debt falls from €674k to €167k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €6.70M ▲12036%
Operating result €6.86M, net result €6.70M, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 10.04
Current ratio from 2.38 to 10.04.
31-12
Financial
Equity above €5MEq €7.90M ▲555%
3 profitable years in a row build equity to €7.90M.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oud-Turnhout · 1 establishment unit since 2001
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.
Kleine Heerestraat 112360 Oud-TurnhoutGround area
4,728 m²
Building footprint
887 m²
Volume, LiDAR
3,897 m³
Parcel 13031D0421/00E000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kleine Heerestraat 11, 2360 Oud-Turnhout
since 20012.101.151.741
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13031D0421/00E000 | Flanders | 4,728 m² | 1 · 887 m² | 6.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 8,785 EUR awarded · 8,785 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,979 EUR | 2,979 EUR |
| 2024 | 1 | 2,775 EUR | 2,775 EUR |
| 2023 | 1 | 2,151 EUR | 2,151 EUR |
| 2022 | 1 | 880 EUR | 880 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Legal Entity Identifier
9845000J1Y5EEB53DB19
Similar companies · same sector, comparable size
IMMO CHABEAU
BE 0428.550.156
Elsene · Eq €8,353,248
PLAN & BOUW
BE 0452.775.610
Anzegem · Eq €8,346,518
OPTA
BE 0464.781.240
Kalmthout · Eq €8,391,172
HEEM INVEST
BE 0668.447.685
Staden · Eq €8,413,777
WATERLOO HOTEL
BE 0437.307.276
Charleroi · Eq €8,308,145
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 1,169 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
Founded15-12-2000
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
42220Construction of utility projects for electricity and telecommunications
70200Business and other management consultancy
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.