JBD CONSULT
ActiveJBD CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305k and a net result of €63k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+32
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.06 against 3.25 in 2024), and 19.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 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
80.7%
Return on assets
16.8%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
69 d late
2022
61 d late
2021
31 d late
2020
101 d late
2019
104 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€305k▲ 26.2%
2024 · €241k
2018: €88k
2019: €94k
2020: €152k
2021: €145k
2022: €158k
2023: €209k
2024: €241k
2018 → 2025
Total assets
€378k▲ 9.9%
2024 · €344k
2018: €148k
2019: €181k
2020: €396k
2021: €259k
2022: €235k
2023: €352k
2024: €344k
2018 → 2025
Net result
€63k▲ 92.9%
2024 · €33k
2018: €24k
2019: €16k
2020: €58k
2021: €-7k
2022: €13k
2023: €50k
2024: €33k
2018 → 2025
Working capital
€296k▲ 28.7%
2024 · €230k
2018: €88k
2019: €94k
2020: €151k
2021: €136k
2022: €150k
2023: €196k
2024: €230k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€158k▲ 9.2%€209k▲ 31.7%€241k▲ 15.7%€305k▲ 26.2%
Operating result€-147-€27k€79k▲ 197%€58k▼ 26.6%€94k▲ 60.9%
Net result€-7k-€13k€50k▲ 277%€33k▼ 34.6%€63k▲ 92.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €378k
Fixed assets
€9k▼ 22.8%
Current assets
€369k▲ 11.0%
Equity and liabilities €378k
Equity
€305k▲ 26.2%
Debt
€73k▼ 28.7%
The debt ratio falls from 29.8% to 19.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€96k▲
2024 · €61k
Cash flow
€66k▲
2024 · €36k
Solvency
80.7%▲
2024 · 70.2%
Current ratio
5.06▲
2024 · 3.25
Quick ratio
5.06▲
2024 · 3.25
Debt / equity
0.24▼
2024 · 0.42
ROE
20.8%▲
2024 · 13.6%
ROA
16.8%▲
2024 · 9.6%
Interest coverage
8.27▲
2024 · 4.49
Debt
€73k▼
2024 · €102k
Debt ≤ 1 year
€73k▼
2024 · €102k
Income taxes
€19k▲
2024 · €12k
Staff costs
€22k▼
2024 · €40k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€344k€378k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€180€180=
Current assets29/58€332k€369k▲
Amounts receivable after more than one year29€60k€60k=
Trade receivables290€60k€60k=
Amounts receivable within one year40/41€235k€284k▲
Trade receivables40€536-
Other amounts receivable41€234k€284k▲
Cash at bank and in hand54/58€37k€25k▼
Deferred charges and accrued income490/1€12€21▲
Equity and liabilities
Total equity and liabilities10/49€344k€378k▲
Equity10/15€241k€305k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€221k€284k▲
Amounts payable17/49€102k€73k▼
Amounts payable within one year42/48€102k€73k▼
Current portion of amounts payable after more than one year42€2k-
Trade debts44€27k€23k▼
Suppliers440/4€27k€23k▼
Taxes, remuneration and social security45€73k€50k▼
Taxes450/3€64k€42k▼
Remuneration and social security454/9€9k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€105k€121k▲
Operating profit (loss)9901€58k€94k▲
Financial income75/76B€1€367▲
Recurring financial income75€1€367▲
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€45k€83k▲
Income taxes67/77€12k€19k▲
Profit (loss) for the period9904€33k€63k▲
Profit (loss) for the period to be appropriated9905€33k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€284k▲
Profit (loss) brought forward from the previous period14P€188k€221k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €63k ▲92.9%
Operating result €94k, net result €63k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Equity above €200kEq €209k ▲31.7%
2 profitable years in a row build equity to €209k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Equity above €150kEq €158k ▲9.2%
Equity rises from €145k to €158k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-7k ▼112%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 101 days late
2020
31-12
Financial
Equity above €150kEq €152k ▲61.3%
3 profitable years in a row build equity to €152k.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 415 days late
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 177 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Esneux · 1 establishment unit since 2008
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.
Rue Paily 104130 EsneuxGround area
1,661 m²
Building footprint
164 m²
Volume, LiDAR
876 m³
Parcel 62032E0086/00W000, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JBD CONSULT
since 20082.169.020.463
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032E0086/00W000 | Wallonia | 1,661 m² | 1 · 164 m² | 6.4 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
FLANDERS ESTATE OFFICE
BE 0462.018.918
Anzegem · Eq €305k
LAMBERT P. REAL ESTATE
BE 0472.174.620
Boom · Eq €305k
't HUYSEKEN
BE 0893.131.854
Waasmunster · Eq €305k
MEYS-DEDECKER
BE 0682.782.010
Vilvoorde · Eq €304k
comme chez toi
BE 0867.293.925
Schaarbeek · Eq €304k
Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 4,940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-01-2008
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.