JCDV Consulting
ActiveJCDV Consulting has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €254. Equity is shrinking by ~30.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy▲ +16 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability27▲+27
Solvency26▲+1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.53 in 2023), and 91.2% 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+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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 12% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 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 · 6 filingsDeviation from the deadline
2025
27 d late
2023
31 d late
2022
61 d late
2021
137 d early
2020
228 d late
2019
593 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 54.7%
2023 · €3k
2019: €15k
2020: €12k
2021: €12k
2022: €6k
2023: €3k
2019 → 2025
Total assets
€53k▼ 30.2%
2023 · €75k
2019: €140k
2020: €107k
2021: €91k
2022: €76k
2023: €75k
2019 → 2025
Net result
€254
2023 · €-3k
2019: €8k
2020: €-3k
2021: €-282
2022: €-6k
2023: €-3k
2019 → 2025
Working capital
€13k▼ 39.4%
2023 · €21k
2019: €70k
2020: €57k
2021: €45k
2022: €28k
2023: €21k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€12k-€12k▼ 2.4%€6k▼ 51.5%€3k▼ 47.1%€5k▲ 54.7%
Operating result€-327-€2k€6k▲ 161%€-651€2k
Net result€-3k-€-282▲ 89.5%€-6k▼ 2,030%€-3k▲ 55.7%€254
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €651 in 2023.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €53k
Fixed assets
€9k▼ 40.0%
Current assets
€43k▼ 27.7%
Equity and liabilities €53k
Equity
€5k▲ 54.7%
Debt
€48k▼ 33.7%
The debt ratio falls from 96.0% to 91.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€5k▲
2023 · €4k
Cash flow
€3k▲
2023 · €2k
Solvency
8.8%▲
2023 · 4.0%
Current ratio
1.41▼
2023 · 1.53
Quick ratio
1.41▼
2023 · 1.53
Debt / equity
10.37▼
2023 · 24.20
ROE
5.5%▲
2023 · -88.9%
ROA
0.5%▲
2023 · -3.5%
Interest coverage
3.20▲
2023 · 1.84
Debt
€48k▼
2023 · €72k
Debt ≤ 1 year
€31k▼
2023 · €39k
Debt > 1 year
€17k▼
2023 · €33k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€75k€53k▼
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€9k▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€60k€43k▼
Amounts receivable within one year40/41€60k€43k▼
Trade receivables40€55k€15k▼
Other amounts receivable41€5k€29k▲
Cash at bank and in hand54/58€8€19▲
Equity and liabilities
Total equity and liabilities10/49€75k€53k▼
Equity10/15€3k€5k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-3k€-2k▲
Amounts payable17/49€72k€48k▼
Amounts payable after more than one year17€33k€17k▼
Financial debts170/4€33k€17k▼
Amounts payable within one year42/48€39k€31k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Advances received on contracts in progress46€13k€17k▲
Other amounts payable47/48€13k€2k▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€690€385▼
Gross operating margin9900€4k€5k▲
Operating profit (loss)9901€-651€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-3k€254▲
Profit (loss) for the period9904€-3k€254▲
Profit (loss) for the period to be appropriated9905€-3k€254▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Profit (loss) brought forward from the previous period14P€-552€-2k▼
The notes to these accounts (7 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
Financial
Back to profitnet €254
Net result €254 after 4 loss-making years.
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-09
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 228 days late
14-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 593 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, Evergem · 1 establishment unit since 2018
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.
Groentjen 18A9940 EvergemGround area
5,047 m²
Building footprint
450 m²
Volume, LiDAR
2,244 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DV DB Consult
since 20182.276.293.654
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D1363/00A000 | Flanders | 2,595 m² | 1 · 209 m² | 7.5 m · 2 fl. |
| 44302D1366/00A000 | Flanders | 2,452 m² | 1 · 241 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 1,931 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-05-2018
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.