The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as JCa Consult has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Micro
2 to 5 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
The companies in ten equal groups, from the lowest to the highest expected share
Group
Expected
Actual
1
0.2%
0.2%
2
0.3%
0.5%
3
0.5%
0.6%
4
0.7%
0.8%
5
0.9%
0.9%
6
1.3%
1.5%
7
1.6%
1.8%
8
1.8%
1.8%
9
3.0%
3.1%
10
5.6%
6.2%
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for JCa Consult. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Incorporation
Founding capital of €25,000, 250 shares · Founder: Name after signing inVisible after signing in · Appointment: Name hiddenVisible after signing in (director) · published on 19-01-2024 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as JCa Consult: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €198,000 and €291,000, founded between 2023 and 2024.
JCa Consult has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,907 and a net result of €59,937.
Its solvency ranks better than 42% of 39,376 sector peers (NACE 70, financial year 2025).
micro format, filed on 31-03-2026, 30 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €150,000 and €220,000.
Balance sheet
balance sheet total €250,640 on 30-09-2025
What the company ownsHow it is paid for
in euro
in euro
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
2024
106,469
54,226
79,302
43,050
416
94,929
78,408
-
46,003
-30,298
46.2%
32.8%
1.34
0.75
1.16
2.05
51.7%
60.6%
23.9%
19.9%
24.31
38.18
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
30-09-2025
30-09-2024
Tangible fixed assets
-
€94,929
€19,365
€7,325
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on JCa Consult
The operating result for 2025 is 86% higher than in 2024.
Debt's share of the balance-sheet total falls from 67.2% to 53.8%. Equity and debt are higher.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
1 director, since incorporation
Name hiddenVisible after signing in
Director (not named in the articles)
appointed by deed of 19-01-2024term without a fixed end
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
1 name, the dashed line is today
20242025202620272028
Hidden nameVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Name after signing inVisible after signing in
Director (not named in the articles), appointed by deed of 19-01-2024, still in office
Name hiddenVisible after signing insole founder · 100% at incorporation
Network & group
No group
JCa Consult has no parent and no holdings in its annual accounts. Hidden nameVisible after signing in is the only director. JCa Consult shares no director with another company.
Timeline
Timeline
6 events since 2023
Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts:
30-04-2027
2026
Annual accounts 2025 filedPDFmicro format · 30 days before the deadline
2025
Equity above €100,000equity €115,907 ▲96.6% With a profit in every financial year since 2024, equity grows to €115,907.
2024
Annual accounts 2024 filedPDFmicro format · 138 days before the deadline
IncorporationFounding capital of €25,000, 250 shares · Founder: Hidden nameVisible after signing in · Appointment: Name after signing inVisible after signing in (director) · published on 19-01-20244 points ▸
Registered office clause, Rue Gilles 15, 7866 Lessines
Director appointment, Name hiddenVisible after signing in (director (not named in the articles))
Each sentence rests on a document from the KBO register, the Belgian Official Gazette or the National Bank. The number after the sentence opens that document.
On 17 January 2024, JCa Consult was incorporated as a private limited company by one natural person, with a starting capital of €25,000.12Name after signing inVisible after signing in is director of the company, appointed by deed of 19-01-2024.2The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
PurposeThe purpose describes the activities the company may carry out under its articles.
“Consulting : La prestation de services de conseils et d'expertises dans le domaine des technologies de l'information, et notamment, mais non…”
29 activities
Consulting : La prestation de services de conseils et d'expertises dans le domaine des technologies de l'information, et notamment, mais non limitativement, la création, le développement, l'intégration, la mise en place et la maintenance de programmes informatiques, ainsi que la formation, l'encadrement, et la gestion de projets, l'organisation de tous cours, stages ou conférences, agissant pour son compte propre ou pour le compte de tous tiers, dans le domaine de la technologie de l'information.
Toutes entreprises de travaux d'installation, d'entretien, de réparations et de dépannages en électricité basse tension et la domotique au sens large.
Tous travaux et services d'entretien et d'aménagement de jardins, champs, prairies et vergers.
L’achat et la vente des instruments de musique ainsi que la réparation et l’entretien de ceux-ci.
L'exercice de toutes les missions de gestion, l'exercice de mandats et fonctions dans d'autres sociétés ainsi que l'acte en tant que liquidateur de sociétés.
L'exécution de missions de gestion générale au sens le plus large.
La fourniture de conseils, de services dans le cadre de la gestion, de l'organisation d'entreprise, des ressources humaines.
L'acquisition pour compte propre et la gestion active de participations, sous quelque forme que ce soit, dans la création, le développement, la transformation et le contrôle de toute entreprise, belge ou étrangère, commerciale, industrielle ou autre société.
L'acquisition pour compte propre de tous titres, droits ou valeurs mobilières par participation, apport, souscription, adhésion, placement, garantie, achat, option d'achat, négociation, ou de toute autre manière.
L'octroi de prêts et d'ouvertures de crédit à des sociétés ou à des particuliers.
La société peut se porter caution et nantir ou hypothéquer des biens immobiliers pour des engagements pris par des tiers et des entreprises.
Elle peut également nantir tous ses biens, y compris le fonds de commerce, et fournir un aval en faveur de tiers.
Réaliser toutes opérations financières, à l'exception de celles légalement réservées aux banques de dépôts, aux détenteurs de dépôts à court terme, aux caisses d'épargne, aux sociétés hypothécaires et aux entreprises de capitalisation.
Au sens le plus large, participer pour compte propre à des opérations d'émission d'actions et de valeurs à revenu fixe par souscription, placement de garantie, négociation, ou autrement.
Réaliser pour compte propre toute opération en matière de gestion de portefeuille, de capital ou de patrimoine.
Financer des transactions d'achat et de vente, à terme ou non, de tous biens mobiliers et immobiliers, octroyer des prêts et des crédits, ainsi que toute négociation commerciale et financière directement ou indirectement liée à cet objet.
Commerce de biens immobiliers (propres) au sens le plus large, y compris mais sans s'y limiter, des immeubles à appartements et des maisons, ainsi que des bâtiments et terrains non destinés à l'habitation.
Location, vente et exploitation de terrains, de terrains à bâtir, de terres agricoles.
Vente de fonds de commerce propres et de pas-de-porte acquis.
Location et vente d'appartements et de maisons meublés ou non.
Location et vente de bâtiments (non) résidentiels au sens le plus large, tels que des immeubles de bureaux.
Développement de projets pour la construction de maisons individuelles ou pour des travaux de rénovation.
Agir en tant que promoteur immobilier professionnel, promoteur immobilier et réaliser des projets de construction au sens le plus large.
La promotion, le développement, l'organisation, la commercialisation et l'accompagnement de projets de construction.
La construction de biens immobiliers, tant en gestion propre qu'à des fins de vente.
L'achat et la vente, la location et la sous-location, le leasing de biens immobiliers et mobiliers pour compte propre et pour le compte de tiers.
L'octroi de baux emphytéotiques et de droits de superficie.
La société peut en outre fournir des cautions, avals, avances et crédits, des garanties hypothécaires et autres.
Toutes opérations de nature commerciale, industrielle, immobilière, mobilière ou financière directement ou indirectement liées à son objet ou pouvant en favoriser la réalisation.