JBO CONSULTING
ActiveJBO CONSULTING has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €35k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
62
/ 100
Healthy▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+5
Solvency54▼-32
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.78 against 3.22 in 2024), and 62.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
37.6%
Return on assets
2.6%
Age of the figures
9 mo
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
36 d early
2023
15 d early
2022
27 d early
2021
16 d early
2020
12 d early
2019
59 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
€501k▲ 5.7%
2024 · €474k
2018: €279k
2019: €330k
2020: €369k
2021: €396k
2022: €416k
2023: €445k
2024: €474k
2018 → 2025
Total assets
€1.33M▲ 17.2%
2024 · €1.14M
2018: €457k
2019: €1.10M
2020: €1.11M
2021: €1.17M
2022: €1.14M
2023: €1.13M
2024: €1.14M
2018 → 2025
Net result
€35k▲ 20.1%
2024 · €29k
2018: €71k
2019: €54k
2020: €42k
2021: €27k
2022: €20k
2023: €29k
2024: €29k
2018 → 2025
Working capital
€-64k
2024 · €182k
2018: €198k
2019: €77k
2020: €98k
2021: €42k
2022: €92k
2023: €140k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€396k-€416k▲ 5.0%€445k▲ 7.0%€474k▲ 6.5%€501k▲ 5.7%
Operating result€50k-€41k▼ 18.6%€48k▲ 18.1%€48k=€51k▲ 6.5%
Net result€27k-€20k▼ 26.3%€29k▲ 46.9%€29k▼ 1.0%€35k▲ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€1.11M▲ 26.6%
Current assets
€227k▼ 14.1%
Equity and liabilities €1.33M
Equity
€501k▲ 5.7%
Debt
€831k▲ 25.3%
The debt ratio rises from 58.3% to 62.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€116k▲
2024 · €107k
Cash flow
€100k▲
2024 · €88k
Solvency
37.6%▼
2024 · 41.7%
Current ratio
0.78▼
2024 · 3.22
Quick ratio
0.78▼
2024 · 3.22
Debt / equity
1.66▲
2024 · 1.40
ROE
6.9%▲
2024 · 6.1%
ROA
2.6%▲
2024 · 2.5%
Interest coverage
9.58▲
2024 · 8.40
Debt
€831k▲
2024 · €663k
Debt ≤ 1 year
€291k▲
2024 · €82k
Debt > 1 year
€540k▼
2024 · €581k
Income taxes
€8k▼
2024 · €8k
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€1.14M€1.33M▲
Fixed assets21/28€873k€1.11M▲
Tangible fixed assets22/27€872k€1.10M▲
Land and buildings22€872k€889k▲
Furniture and vehicles24€0€215k▲
Financial fixed assets28€619€1k▲
Current assets29/58€265k€227k▼
Amounts receivable within one year40/41€78k€73k▼
Trade receivables40€34k€64k▲
Other amounts receivable41€44k€9k▼
Current investments50/53€130k-
Cash at bank and in hand54/58€49k€135k▲
Deferred charges and accrued income490/1€7k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.33M▲
Equity10/15€474k€501k▲
Contributions10/11€119k€119k=
Reserves13€12k€12k=
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Profit (loss) carried forward14€344k€371k▲
Amounts payable17/49€663k€831k▲
Amounts payable after more than one year17€581k€540k▼
Financial debts170/4€581k€540k▼
Amounts payable within one year42/48€82k€291k▲
Current portion of amounts payable after more than one year42€45k€46k▲
Trade debts44€14k€228k▲
Suppliers440/4€14k€228k▲
Taxes, remuneration and social security45€14k€6k▼
Taxes450/3€14k€6k▼
Other amounts payable47/48€9k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€65k▲
Other operating charges640/8€12k€13k▲
Gross operating margin9900€119k€129k▲
Operating profit (loss)9901€48k€51k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€37k€42k▲
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€29k€35k▲
Profit (loss) for the period to be appropriated9905€29k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€344k€378k▲
Profit (loss) brought forward from the previous period14P€315k€344k▲
Profit to be distributed694/7-€8k
Directors or managers695-€8k
The notes to these accounts (11 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €501k ▲5.7%
8 profitable years in a row build equity to €501k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €20k ▼26.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
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, Vorselaar · 1 establishment unit since 2002
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.
Pullesebaan 292290 VorselaarGround area
1,408 m²
Building footprint
233 m²
Volume, LiDAR
1,020 m³
Parcel 13044E0064/00D002, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Pullesebaan 29, 2290 Vorselaar
since 20022.101.767.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044E0064/00D002 | Flanders | 1,408 m² | 1 · 233 m² | 6.5 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 34,489 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.