JCO Consulting
ActiveSummary
JCO Consulting has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €31k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+6
Solvency92▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.42 in 2024; short-term debt: 29.9% and cash: 68.4% of total assets), and 32.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 70
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
67.3%
Return on assets
14.6%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
17 d late
2024
22 d early
2023
30 d early
2022
60 d early
2021
24 d late
2020
30 d early
2019
66 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▼ 12.0%
2024 · €161k
2018: €48k
2019: €99k
2020: €109k
2021: €176k
2022: €218k
2023: €137k
2024: €161k
2018 → 2025
Total assets
€211k▼ 15.0%
2024 · €248k
2018: €73k
2019: €165k
2020: €180k
2021: €288k
2022: €347k
2023: €215k
2024: €248k
2018 → 2025
Net result
€31k▲ 26.6%
2024 · €24k
2018: €29k
2019: €51k
2020: €10k
2021: €92k
2022: €67k
2023: €-82k
2024: €24k
2018 → 2025
Working capital
€109k▼ 8.2%
2024 · €119k
2018: €40k
2019: €71k
2020: €61k
2021: €136k
2022: €182k
2023: €106k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€218k▲ 23.8%€137k▼ 37.3%€161k▲ 17.7%€142k▼ 12.0%
Operating result€137k-€-75k€-129k▼ 72.2%€41k€41k▼ 0.3%
Net result€92k-€67k▼ 27.4%€-82k€24k€31k▲ 26.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€38k ▼ 14.8%
Current assets
€172k ▼ 15.0%
Equity and liabilities €211k
Equity
€142k ▼ 12.0%
Debt
€69k ▼ 20.6%
Debt's share of the balance-sheet total falls from 35.0% to 32.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €49k
Cash flow
€35k▲
2024 · €32k
Current ratio
2.73▲
2024 · 2.42
Debt to equity
0.49▼
2024 · 0.54
ROE
21.6%▲
2024 · 15.0%
ROA
14.6%▲
2024 · 9.8%
Interest coverage
71.33▲
2024 · 32.11
Debt ≤ 1 year
€63k▼
2024 · €84k
Income taxes
€10k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€248k€211k▼
Fixed assets21/28€45k€38k▼
Tangible fixed assets22/27€45k€38k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€20k€15k▼
Other tangible fixed assets26€18k€18k=
Current assets29/58€203k€172k▼
Amounts receivable within one year40/41€61k€19k▼
Trade receivables40€61k€19k▼
Cash at bank and in hand54/58€140k€144k▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€248k€211k▼
Equity10/15€161k€142k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€141k€121k▼
Amounts payable17/49€87k€69k▼
Amounts payable within one year42/48€84k€63k▼
Trade debts44€46k€9k▼
Suppliers440/4€46k€9k▼
Taxes, remuneration and social security45€34k€46k▲
Taxes450/3€34k€46k▲
Other amounts payable47/48€4k€9k▲
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Non-recurring operating income76A-€19k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€55k€48k▼
Operating profit (loss)9901€41k€41k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€633▼
Recurring financial charges65€2k€633▼
Profit (loss) for the period before taxes9903€40k€41k▲
Income taxes67/77€16k€10k▼
Profit (loss) for the period9904€24k€31k▲
Profit (loss) for the period to be appropriated9905€24k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€141k€171k▲
Profit (loss) brought forward from the previous period14P€116k€141k▲
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
23-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
28-04
State Gazette act
General meeting · Capital decrease
Capital · Statutes amendment
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Equity above €150kEq €161k ▲17.7%
Equity rises from €137k to €161k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-82k ▼222%
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €218k ▲23.8%
5 profitable years in a row build equity to €218k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €92k ▲812%
Operating result €137k, net result €92k, both a record.
Show earlier events
31-12
Financial
Equity above €150kEq €176k ▲61.6%
4 profitable years in a row build equity to €176k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲10.2%
3 profitable years in a row build equity to €109k.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
Financial milestoneState Gazette actNBB 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, Brussel · 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.
Vlierwijk 71000 BrusselGround area
1,210 m²
Building footprint
991 m²
Volume, LiDAR
18,520 m³
Parcel 21812N1163/00F000, Brussels · tallest building 23.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20182.341.486.463
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N1163/00F000 | Brussels | 1,209 m² | 1 · 991 m² | 23.5 m · 6 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
Recognitions · licences · registrations
Legal Entity Identifier
9845004L1491A584R080
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,878 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jcombalbert@outlook.com
Phone:+32485339876