JCconsult
ActiveSummary
JCconsult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,770 and a net result of €945. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 23% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-18
Solvency44▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.44 in 2024; short-term debt: 81% and cash: 19.2% of total assets), and 81% of the assets are financed with debt.
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Signals
Six 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31958 sector peers (2025).
NBB · sector comparisonPosition among 31958 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
36 d early
2024
30 d early
2023
33 d early
2022
3 d early
2021
1 d early
2020
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 31 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€945▼ 93.2%
2024 · €13,975
Working capital
-€24,756▲ 42.2%
2024 · -€42,831
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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
Line20212022202320242025
Operating result€18,408▲ 50.4%€35,869▲ 94.9%€18,628▼ 48.1%€18,409▼ 1.2%€3,513▼ 80.9%
Net result€15,573within the sector's middle half▲ 30.2%€26,406within the sector's middle half▲ 69.6%€14,159within the sector's middle half▼ 46.4%€13,975within the sector's middle half▼ 1.3%€945below the sector's middle half▼ 93.2%
Equity€784below the sector's middle half▲ 10.3%€11,690below the sector's middle half▲ 1,391%€11,850below the sector's middle half▲ 1.4%€12,825below the sector's middle half▲ 8.2%€13,770below the sector's middle half▲ 7.4%
Total assets€60,068below the sector's middle half▼ 5.1%€88,578within the sector's middle half▲ 47.5%€87,602below the sector's middle half▼ 1.1%€88,793within the sector's middle half▲ 1.4%€72,433below the sector's middle half▼ 18.4%
Debt€59,284▼ 5.3%€76,888▲ 29.7%€75,752▼ 1.5%€75,968▲ 0.3%€58,663▼ 22.8%
Working capital-€33,158below the sector's middle half▲ 1.2%-€37,929below the sector's middle half▼ 14.4%-€39,366within the sector's middle half▼ 3.8%-€42,831below the sector's middle half▼ 8.8%-€24,756below the sector's middle half▲ 42.2%
Solvency1.3%below the sector's middle half▲ 0.2pp13.2%below the sector's middle half▲ 11.9pp13.5%below the sector's middle half▲ 0.3pp14.4%below the sector's middle half▲ 0.9pp19.0%below the sector's middle half▲ 4.6pp
Current ratio0.44below the sector's middle half▼ 0.020.51below the sector's middle half▲ 0.070.48below the sector's middle half▼ 0.030.44below the sector's middle half▼ 0.040.58below the sector's middle half▲ 0.14
Return on assets (ROA)25.9%within the sector's middle half▲ 7.0pp29.8%above the sector's middle half▲ 3.9pp16.2%above the sector's middle half▼ 13.6pp15.7%within the sector's middle half▼ 0.4pp1.3%below the sector's middle half▼ 14.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72,433
Fixed assets
€38,526 ▼ 30.8%
Current assets
€33,907 ▲ 2.3%
Equity and liabilities €72,433
Equity
€13,770 ▲ 7.4%
Debt
€58,663 ▼ 22.8%
Debt's share of the balance-sheet total falls from 85.6% to 81.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20,643▼
2024 · €33,588
Cash flow
€18,075▼
2024 · €29,154
Debt to equity
4.26▼
2024 · 5.92
ROE
6.9%▼
2024 · 109.0%
Interest coverage
13.28▼
2024 · 18.34
Debt ≤ 1 year
€58,663▼
2024 · €75,968
Income taxes
€1,014▼
2024 · €2,603
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.5%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €64,495 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,634 | €8,373 | €13,347 | €15,178 | €17,130 | ▲ 12.9% |
| Other operating charges640/8 | €841 | €439 | €791 | €637 | €663 | ▲ 4.1% |
| Gross operating margin9900 | €23,883 | €44,681 | €32,765 | €34,224 | €21,305 | ▼ 37.7% |
| Operating profit (loss)9901 | €18,408 | €35,869 | €18,628 | €18,409 | €3,513 | ▼ 80.9% |
| Financial charges65/66B | €266 | €785 | €2,024 | €1,831 | €1,554 | ▼ 15.1% |
| Recurring financial charges65 | €266 | €785 | €2,024 | €1,831 | €1,554 | ▼ 15.1% |
| Profit (loss) for the period before taxes9903 | €18,142 | €35,084 | €16,604 | €16,578 | €1,959 | ▼ 88.2% |
| Income taxes67/77 | €2,570 | €8,678 | €2,445 | €2,603 | €1,014 | ▼ 61.1% |
| Profit (loss) for the period9904 | €15,573 | €26,406 | €14,159 | €13,975 | €945 | ▼ 93.2% |
| Profit (loss) for the period to be appropriated9905 | €15,573 | €26,406 | €14,159 | €13,975 | €945 | ▼ 93.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60,068 | €88,578 | €87,602 | €88,793 | €72,433 | ▼ 18.4% |
| Fixed assets21/28 | €33,942 | €49,619 | €51,215 | €55,656 | €38,526 | ▼ 30.8% |
| Tangible fixed assets22/27 | €33,942 | €49,619 | €51,215 | €55,656 | €38,526 | ▼ 30.8% |
| Plant, machinery and equipment23 | €33,237 | €33,950 | €38,439 | €43,618 | €33,187 | ▼ 23.9% |
| Furniture and vehicles24 | €705 | €1,903 | €3,272 | €6,796 | €4,359 | ▼ 35.9% |
| Leasing and similar rights25 | - | €13,766 | €9,505 | €5,243 | €981 | ▼ 81.3% |
| Current assets29/58 | €26,126 | €38,958 | €36,387 | €33,136 | €33,907 | ▲ 2.3% |
| Amounts receivable within one year40/41 | €9,218 | €12,407 | - | €14,845 | €12,500 | ▼ 15.8% |
| Trade receivables40 | €9,218 | €12,407 | - | €13,965 | €7,500 | ▼ 46.3% |
| Other amounts receivable41 | - | - | - | €880 | €5,000 | ▲ 468% |
| Cash at bank and in hand54/58 | €16,689 | €22,614 | €29,367 | €17,968 | €13,907 | ▼ 22.6% |
| Deferred charges and accrued income490/1 | €220 | €3,938 | €7,019 | €324 | €7,500 | ▲ 2,218% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60,068 | €88,578 | €87,602 | €88,793 | €72,433 | ▼ 18.4% |
| Equity10/15 | €784 | €11,690 | €11,850 | €12,825 | €13,770 | ▲ 7.4% |
| Contributions10/11 | €250 | €250 | €250 | €250 | €250 | = |
| Capital10 | €250 | €250 | €250 | €250 | €250 | = |
| Issued capital100 | €250 | €250 | €250 | €250 | €250 | = |
| Reserves13 | - | €10,500 | €10,500 | €10,500 | €10,500 | = |
| Distributable reserves133 | - | €10,500 | €10,500 | €10,500 | €10,500 | = |
| Profit (loss) carried forward14 | €534 | €940 | €1,100 | €2,075 | €3,020 | ▲ 45.5% |
| Amounts payable17/49 | €59,284 | €76,888 | €75,752 | €75,968 | €58,663 | ▼ 22.8% |
| Amounts payable within one year42/48 | €59,284 | €76,888 | €75,752 | €75,968 | €58,663 | ▼ 22.8% |
| Trade debts44 | €570 | €3,492 | €2,629 | €1,111 | €9,238 | ▲ 731% |
| Suppliers440/4 | €570 | €3,492 | €949 | €1,111 | €163 | ▼ 85.3% |
| Bills of exchange payable441 | - | - | €1,680 | - | €9,075 | - |
| Taxes, remuneration and social security45 | €1,500 | €12,378 | €7,358 | €11,507 | €3,570 | ▼ 69.0% |
| Taxes450/3 | €1,500 | €12,378 | €7,358 | €11,507 | €3,570 | ▼ 69.0% |
| Other amounts payable47/48 | €57,213 | €61,018 | €65,765 | €63,349 | €45,855 | ▼ 27.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,573 | €26,406 | €14,159 | €13,975 | €945 | ▼ 93.2% |
| + Depreciation and write-downs630 | €4,634 | €8,373 | €13,347 | €15,178 | €17,130 | ▲ 12.9% |
| Operating cash flow (approximation) | €20,207 | €34,779 | €27,506 | €29,154 | €18,075 | ▼ 38.0% |
| Investment in fixed assets (approximation) | - | -€24,051 | -€14,943 | -€19,619 | €0 | ▲ 100% |
| Change in cash | - | €5,925 | €6,753 | -€11,399 | -€4,061 | ▲ 64.4% |
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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €945 ▼93.2%
Net result drops to €945, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2020net €26,406 ▲69.6%
Operating result €35,869, net result €26,406, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waterloo · 1 establishment unit since 2019
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 Delbar (Théophile) 8A1410 WaterlooGround area
1,395 m²
Building footprint
118 m²
Volume, LiDAR
823 m³
Parcel 64022A0081/00G002, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCconsult
since 20192.286.959.892
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64022A0081/00G002 | Wallonia | 1,395 m² | 1 · 118 m² | 8.0 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.
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Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 26,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formLimited partnership
Founded18-03-2019
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0722879038
Registered
01-10-2025
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.