Summary
JB4Advice is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €24,498 and a net result of €5,328. Its solvency ranks better than 29% of 6166 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 25-06-2026, 36 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
36 d early
2024
15 d early
2023
7 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 16 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, abbreviated schema
Equity
€24,498▲ 27.8%
2023 · €19,170
Net result
€5,328▼ 62.4%
2023 · €14,170
Total assets
€83,106▼ 5.5%
2023 · €87,957
Solvency
29.5%▲ 7.7pp
2023 · 21.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€22,308-€10,602▼ 52.5%
Net result€14,170within the sector's middle half-€5,328within the sector's middle half▼ 62.4%
Equity€19,170below the sector's middle half-€24,498below the sector's middle half▲ 27.8%
Total assets€87,957below the sector's middle half-€83,106below the sector's middle half▼ 5.5%
Debt€68,787-€58,608▼ 14.8%
Working capital€3,468within the sector's middle half-€3,271within the sector's middle half▼ 5.7%
Solvency21.8%below the sector's middle half-29.5%within the sector's middle half▲ 7.7pp
Current ratio1.13within the sector's middle half-1.11within the sector's middle half▼ 0.02
Return on assets (ROA)16.1%within the sector's middle half-6.4%within the sector's middle half▼ 9.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 falls in 2024; 2024 is 52% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €83,106
Fixed assets
€49,746 ▼ 12.7%
Current assets
€33,359 ▲ 7.7%
Equity and liabilities €83,106
Equity
€24,498 ▲ 27.8%
Debt
€58,608 ▼ 14.8%
Debt's share of the balance-sheet total falls from 78.2% to 70.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.7%▼
2023 · 73.9%
Debt ≤ 1 year
€30,088▲
2023 · €27,502
Debt > 1 year
€28,520▼
2023 · €41,284
Income taxes
€2,670▼
2023 · €4,878
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,315 | €12,234 | ▲ 18.6% |
| Other operating charges640/8 | €2,194 | €398 | ▼ 81.9% |
| Gross operating margin9900 | €34,816 | €23,234 | ▼ 33.3% |
| Operating profit (loss)9901 | €22,308 | €10,602 | ▼ 52.5% |
| Financial income75/76B | €113 | €0 | ▼ 99.8% |
| Recurring financial income75 | €113 | €0 | ▼ 99.8% |
| Financial charges65/66B | €3,373 | €2,604 | ▼ 22.8% |
| Recurring financial charges65 | €3,373 | €2,604 | ▼ 22.8% |
| Profit (loss) for the period before taxes9903 | €19,048 | €7,998 | ▼ 58.0% |
| Income taxes67/77 | €4,878 | €2,670 | ▼ 45.3% |
| Profit (loss) for the period9904 | €14,170 | €5,328 | ▼ 62.4% |
| Profit (loss) for the period to be appropriated9905 | €14,170 | €5,328 | ▼ 62.4% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €87,957 | €83,106 | ▼ 5.5% |
| Fixed assets21/28 | €56,987 | €49,746 | ▼ 12.7% |
| Tangible fixed assets22/27 | €56,987 | €49,746 | ▼ 12.7% |
| Plant, machinery and equipment23 | €5,170 | €4,023 | ▼ 22.2% |
| Furniture and vehicles24 | €4,233 | €6,216 | ▲ 46.9% |
| Leasing and similar rights25 | €34,787 | €26,096 | ▼ 25.0% |
| Other tangible fixed assets26 | €12,797 | €13,411 | ▲ 4.8% |
| Current assets29/58 | €30,970 | €33,359 | ▲ 7.7% |
| Amounts receivable within one year40/41 | €19,179 | €17,325 | ▼ 9.7% |
| Trade receivables40 | €12,705 | €12,705 | = |
| Other amounts receivable41 | €6,474 | €4,620 | ▼ 28.6% |
| Cash at bank and in hand54/58 | €10,290 | €15,099 | ▲ 46.7% |
| Deferred charges and accrued income490/1 | €1,501 | €935 | ▼ 37.7% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €87,957 | €83,106 | ▼ 5.5% |
| Equity10/15 | €19,170 | €24,498 | ▲ 27.8% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €14,170 | €19,498 | ▲ 37.6% |
| Distributable reserves133 | €14,170 | €19,498 | ▲ 37.6% |
| Amounts payable17/49 | €68,787 | €58,608 | ▼ 14.8% |
| Amounts payable after more than one year17 | €41,284 | €28,520 | ▼ 30.9% |
| Financial debts170/4 | €41,284 | €28,520 | ▼ 30.9% |
| Amounts payable within one year42/48 | €27,502 | €30,088 | ▲ 9.4% |
| Current portion of amounts payable after more than one year42 | €12,189 | €11,859 | ▼ 2.7% |
| Financial debts43 | - | €61 | - |
| Credit institutions430/8 | - | €61 | - |
| Trade debts44 | €5,800 | €5,324 | ▼ 8.2% |
| Suppliers440/4 | €5,800 | €5,324 | ▼ 8.2% |
| Taxes, remuneration and social security45 | €8,355 | €12,844 | ▲ 53.7% |
| Taxes450/3 | €8,355 | €12,844 | ▲ 53.7% |
| Other amounts payable47/48 | €1,159 | - | - |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €14,170 | €5,328 | ▼ 62.4% |
| + Depreciation and write-downs630 | €10,315 | €12,234 | ▲ 18.6% |
| Operating cash flow (approximation) | €24,485 | €17,562 | ▼ 28.3% |
| Investment in fixed assets (approximation) | - | -€4,994 | - |
| Change in cash | - | €4,808 | - |
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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Lievegem · 1 establishment unit since 2022
Ground area
3,216 m²
Building footprint
181 m²
Volume, LiDAR
948 m³
Parcel 44080D0637/00C000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JB4Advice
since 20222.338.645.551
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0637/00C000 | Flanders | 3,215 m² | 1 · 181 m² | 8.8 m · 2 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.
Similar companies · same sector, comparable size
LUNOMAN
BE 1005.763.009
Zwevegem · Eq €24,479
FONCIERE POLSKA
BE 0541.858.925
Engis · Eq €24,528
JSG
BE 0798.867.947
Balen · Eq €24,420
R.N.P.
BE 0649.897.228
Tielt · Eq €24,420
DMM
BE 0797.263.883
Houthalen-Helchteren · Eq €24,419
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 8,128 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46150Agents in the wholesale of furniture, household goods and hardware
46492Wholesale trade
47610Retail trade
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0793425257
Also
9925:BE0793425257
Registered
30-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.