JBCONSULT
ActiveSummary
JBCONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €199k and a net result of €6k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-13
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 22.2 against 13.61 in 2024; short-term debt: 4% and cash: 47.7% of total assets), and 4% 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
96%
Return on assets
2.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
66 d early
2023
59 d early
2022
32 d early
2021
23 d early
2020
29 d early
2019
48 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€199k▲ 3.0%
2024 · €194k
2019: €126klowest in 7 years
2020: €132k▲ +4.8% vs 2019
2021: €154k▲ +17.1% vs 2020
2022: €173k▲ +12.1% vs 2021
2023: €182k▲ +5.2% vs 2022
2024: €194k▲ +6.5% vs 2023
2025: €199k▲ +3.0% vs 2024highest in 7 years
2019 → 2025
Total assets
€208k▲ 0.5%
2024 · €207k
2019: €144klowest in 7 years
2020: €146k▲ +0.9% vs 2019
2021: €171k▲ +17.6% vs 2020
2022: €202k▲ +17.9% vs 2021
2023: €196k▼ -3.3% vs 2022
2024: €207k▲ +5.6% vs 2023
2025: €208k▲ +0.5% vs 2024highest in 7 years
2019 → 2025
Net result
€6k▼ 51.6%
2024 · €12k
2019: €19k
2020: €14k▼ -26.1% vs 2019
2021: €29k▲ +104% vs 2020highest in 7 years
2022: €26k▼ -8.5% vs 2021
2023: €9k▼ -65.8% vs 2022
2024: €12k▲ +32.3% vs 2023
2025: €6k▼ -51.6% vs 2024lowest in 7 years
2019 → 2025
Working capital
€176k▲ 7.5%
2024 · €164k
2019: €124klowest in 7 years
2020: €131k▲ +5.7% vs 2019
2021: €153k▲ +16.9% vs 2020
2022: €172k▲ +12.8% vs 2021
2023: €181k▲ +5.4% vs 2022highest in 7 years
2024: €164k▼ -9.7% vs 2023
2025: €176k▲ +7.5% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€173k▲ 12.1%€182k▲ 5.2%€194k▲ 6.5%€199k▲ 3.0%
2021: €154klowest in 5 years
2022: €173k▲ +12.1% vs 2021
2023: €182k▲ +5.2% vs 2022
2024: €194k▲ +6.5% vs 2023
2025: €199k▲ +3.0% vs 2024highest in 5 years
Operating result€42k-€37k▼ 12.5%€16k▼ 56.1%€19k▲ 19.6%€12k▼ 36.7%
2021: €42khighest in 5 years
2022: €37k▼ -12.5% vs 2021
2023: €16k▼ -56.1% vs 2022
2024: €19k▲ +19.6% vs 2023
2025: €12k▼ -36.7% vs 2024lowest in 5 years
Net result€29k-€26k▼ 8.5%€9k▼ 65.8%€12k▲ 32.3%€6k▼ 51.6%
2021: €29khighest in 5 years
2022: €26k▼ -8.5% vs 2021
2023: €9k▼ -65.8% vs 2022
2024: €12k▲ +32.3% vs 2023
2025: €6k▼ -51.6% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€23k ▼ 22.2%
Current assets
€184k ▲ 4.3%
Equity and liabilities €208k
Equity
€199k ▲ 3.0%
Debt
€8k ▼ 36.1%
Debt's share of the balance-sheet total falls from 6.3% to 4.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €22k
Cash flow
€12k▼
2024 · €15k
Current ratio
22.20▲
2024 · 13.61
Debt to equity
0.04▼
2024 · 0.07
ROE
2.9%▼
2024 · 6.1%
ROA
2.8%▼
2024 · 5.7%
Interest coverage
4.95▼
2024 · 12.52
Debt ≤ 1 year
€8k▼
2024 · €13k
Income taxes
€5k▼
2024 · €8k
Staff costs
€23k▼
2024 · €26k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€207k€208k▲
Fixed assets21/28€30k€23k▼
Tangible fixed assets22/27€30k€23k▼
Furniture and vehicles24€30k€23k▼
Current assets29/58€177k€184k▲
Amounts receivable within one year40/41€32k€31k▼
Trade receivables40€31k€23k▼
Other amounts receivable41€1k€7k▲
Current investments50/53€52k€53k▲
Cash at bank and in hand54/58€90k€99k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€207k€208k▲
Equity10/15€194k€199k▲
Contributions10/11€12k€12k=
Reserves13€76k€82k▲
Distributable reserves133€76k€82k▲
Profit (loss) carried forward14€105k€105k=
Amounts payable17/49€13k€8k▼
Amounts payable within one year42/48€13k€8k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€2k-
Remuneration and social security454/9€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€200-
Remuneration, social security and pensions62€26k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€6k€753▼
Gross operating margin9900€53k€43k▼
Operating profit (loss)9901€19k€12k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€20k€11k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€12k€6k▼
Profit (loss) for the period to be appropriated9905€12k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€111k▼
Profit (loss) brought forward from the previous period14P€105k€105k▲
Transfer to equity691/2€12k€6k▼
To other reserves6921€12k€6k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €200 | - | - |
| Remuneration, social security and pensions62 | - | €19k | €21k | €26k | €23k | ▼ 8.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €753 | €783 | €394 | €3k | €7k | ▲ 122% |
| Other operating charges640/8 | - | €684 | €10k | €6k | €753 | ▼ 86.4% |
| Gross operating margin9900 | €62k | €58k | €48k | €53k | €43k | ▼ 19.4% |
| Operating profit (loss)9901 | €42k | €37k | €16k | €19k | €12k | ▼ 36.7% |
| Financial income75/76B | - | €595 | €26 | €2k | €3k | ▲ 16.2% |
| Recurring financial income75 | €933 | €595 | €26 | €2k | €3k | ▲ 16.2% |
| Financial charges65/66B | - | €794 | €1k | €2k | €4k | ▲ 114% |
| Recurring financial charges65 | €716 | €794 | €1k | €2k | €4k | ▲ 114% |
| Profit (loss) for the period before taxes9903 | €42k | €37k | €15k | €20k | €11k | ▼ 44.2% |
| Income taxes67/77 | €14k | €10k | €6k | €8k | €5k | ▼ 33.2% |
| Profit (loss) for the period9904 | €29k | €26k | €9k | €12k | €6k | ▼ 51.6% |
| Profit (loss) for the period to be appropriated9905 | €29k | €26k | €9k | €12k | €6k | ▼ 51.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €171k | €202k | €196k | €207k | €208k | ▲ 0.5% |
| Fixed assets21/28 | €2k | €722 | €328 | €30k | €23k | ▼ 22.2% |
| Tangible fixed assets22/27 | €2k | €722 | €328 | €30k | €23k | ▼ 22.2% |
| Plant, machinery and equipment23 | - | €722 | €328 | - | - | - |
| Furniture and vehicles24 | - | - | - | €30k | €23k | ▼ 22.2% |
| Current assets29/58 | €170k | €201k | €195k | €177k | €184k | ▲ 4.3% |
| Amounts receivable within one year40/41 | €13k | €32k | €20k | €32k | €31k | ▼ 5.4% |
| Trade receivables40 | - | €27k | €19k | €31k | €23k | ▼ 25.3% |
| Other amounts receivable41 | - | €5k | €433 | €1k | €7k | ▲ 496% |
| Current investments50/53 | €51k | €52k | €52k | €52k | €53k | ▲ 0.9% |
| Cash at bank and in hand54/58 | €103k | €115k | €122k | €90k | €99k | ▲ 9.8% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | €2k | €2k | ▲ 5.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €171k | €202k | €196k | €207k | €208k | ▲ 0.5% |
| Equity10/15 | €154k | €173k | €182k | €194k | €199k | ▲ 3.0% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €30k | €56k | €64k | €76k | €82k | ▲ 7.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €54k | €63k | €76k | €82k | ▲ 7.5% |
| Profit (loss) carried forward14 | €112k | €105k | €105k | €105k | €105k | = |
| Amounts payable17/49 | €17k | €29k | €14k | €13k | €8k | ▼ 36.1% |
| Amounts payable within one year42/48 | €17k | €29k | €14k | €13k | €8k | ▼ 36.1% |
| Trade debts44 | €3k | €9k | €9k | €8k | €5k | ▼ 34.0% |
| Suppliers440/4 | - | €9k | €9k | €8k | €5k | ▼ 34.0% |
| Taxes, remuneration and social security45 | - | €13k | €5k | €5k | €3k | ▼ 39.2% |
| Taxes450/3 | - | €5k | €1k | €2k | - | - |
| Remuneration and social security454/9 | - | €7k | €4k | €3k | €3k | ▼ 4.1% |
| Other amounts payable47/48 | - | €8k | €180 | - | - | - |
| Accrued charges and deferred income492/3 | - | €57 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29k | €26k | €9k | €12k | €6k | ▼ 51.6% |
| + Depreciation and write-downs630 | €753 | €783 | €394 | €3k | €7k | ▲ 122% |
| Operating cash flow (approximation) | €29k | €27k | €9k | €15k | €12k | ▼ 16.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-32k | €0 | ▲ 100% |
| Change in cash | - | €12k | €6k | €-31k | €9k | ▲ 128% |
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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €6k ▼51.6%
Net result drops to €6k, the lowest in the series.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
02-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-05
Financial
Liquidity doublescurrent ratio 14.17
Current ratio from 6.88 to 14.17; short-term debt falls from €29k to €14k.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Highest result since 2019net €29k ▲104%
Operating result €42k, net result €29k, both a record.
31-05
Financial
Equity above €150kEq €154k ▲17.1%
3 profitable years in a row build equity to €154k.
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-11
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.
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.
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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, Dilbeek · 1 establishment unit since 2004
Ground area
241 m²
Building footprint
92 m²
Volume, LiDAR
823 m³
Parcel 23070A0098/00W005, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JBConsult
since 20042.136.469.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070A0098/00W005 | Flanders | 241 m² | 1 · 92 m² | 13.0 m · 3 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 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,779 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
Founded31-03-2004
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.