Summary
JD-A is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €49,260 and a net result of €37,004. Equity is growing by ~50.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 2460 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-05-2026, 84 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
84 d early
2024
55 d early
2023
1 d late
2022
39 d early
2021
40 d early
2020
20 d late
← 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 33 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€49,260▼ 58.4%
2024 · €118,486
Net result
€37,004▲ 25.4%
2024 · €29,504
Total assets
€181,782▲ 11.2%
2024 · €163,464
Solvency
27.1%▼ 45.4pp
2024 · 72.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€30,077▲ 79.9%€31,071▲ 3.3%€50,181▲ 61.5%€42,664▼ 15.0%€47,073▲ 10.3%
Net result€22,863▲ 87.6%€23,973▲ 4.9%€34,889▲ 45.5%€29,504▼ 15.4%€37,004▲ 25.4%
Equity€34,552▲ 152%€55,726▲ 61.3%€89,815▲ 61.2%€118,486▲ 31.9%€49,260▼ 58.4%
Total assets€75,534▲ 74.0%€97,494▲ 29.1%€135,913▲ 39.4%€163,464▲ 20.3%€181,782▲ 11.2%
Debt€40,981▲ 37.9%€41,768▲ 1.9%€46,097▲ 10.4%€44,978▼ 2.4%€132,522▲ 195%
Working capital€22,382€43,678▲ 95.1%€80,073▲ 83.3%€108,610▲ 35.6%€43,627▼ 59.8%
Solvency45.7%▲ 14.2pp57.2%▲ 11.4pp66.1%▲ 8.9pp72.5%▲ 6.4pp27.1%▼ 45.4pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181,782
Fixed assets
€5,633 ▼ 43.0%
Current assets
€176,149 ▲ 14.7%
Equity and liabilities €181,782
Equity
€49,260 ▼ 58.4%
Debt
€132,522 ▲ 195%
Debt's share of the balance-sheet total rises from 27.5% to 72.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
75.1%▲
2024 · 24.9%
ROA
20.4%▲
2024 · 18.0%
Debt ≤ 1 year
€132,522▲
2024 · €44,978
Income taxes
€9,916▼
2024 · €12,640
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,760 | €4,285 | €4,389 | €4,257 | €4,243 | ▼ 0.3% |
| Other operating charges640/8 | €3,385 | €661 | €724 | €740 | €762 | ▲ 3.1% |
| Gross operating margin9900 | €37,222 | €36,018 | €55,293 | €47,661 | €52,079 | ▲ 9.3% |
| Operating profit (loss)9901 | €30,077 | €31,071 | €50,181 | €42,664 | €47,073 | ▲ 10.3% |
| Financial income75/76B | €26 | €0 | - | - | €0 | - |
| Recurring financial income75 | €26 | €0 | - | - | €0 | - |
| Financial charges65/66B | €516 | €708 | €555 | €520 | €154 | ▼ 70.4% |
| Recurring financial charges65 | €516 | €708 | €555 | €520 | €154 | ▼ 70.4% |
| Profit (loss) for the period before taxes9903 | €29,586 | €30,364 | €49,625 | €42,144 | €46,920 | ▲ 11.3% |
| Income taxes67/77 | €6,723 | €6,391 | €14,736 | €12,640 | €9,916 | ▼ 21.6% |
| Profit (loss) for the period9904 | €22,863 | €23,973 | €34,889 | €29,504 | €37,004 | ▲ 25.4% |
| Profit (loss) for the period to be appropriated9905 | €22,863 | €23,973 | €34,889 | €29,504 | €37,004 | ▲ 25.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,534 | €97,494 | €135,913 | €163,464 | €181,782 | ▲ 11.2% |
| Fixed assets21/28 | €12,171 | €12,048 | €9,742 | €9,876 | €5,633 | ▼ 43.0% |
| Tangible fixed assets22/27 | €12,171 | €12,048 | €9,742 | €9,876 | €5,633 | ▼ 43.0% |
| Plant, machinery and equipment23 | €921 | €734 | €546 | €359 | €171 | ▼ 52.3% |
| Furniture and vehicles24 | €11,249 | €11,314 | €9,195 | €9,518 | €5,462 | ▼ 42.6% |
| Current assets29/58 | €63,363 | €85,446 | €126,171 | €153,588 | €176,149 | ▲ 14.7% |
| Amounts receivable within one year40/41 | €0 | €1,173 | €4 | €0 | €1,754 | - |
| Trade receivables40 | €0 | €1,170 | €0 | €0 | €1,170 | - |
| Other amounts receivable41 | €0 | €3 | €4 | €0 | €584 | - |
| Current investments50/53 | - | - | - | - | €80,000 | - |
| Cash at bank and in hand54/58 | €61,906 | €82,745 | €124,532 | €151,875 | €92,571 | ▼ 39.0% |
| Deferred charges and accrued income490/1 | €1,457 | €1,529 | €1,635 | €1,713 | €1,824 | ▲ 6.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,534 | €97,494 | €135,913 | €163,464 | €181,782 | ▲ 11.2% |
| Equity10/15 | €34,552 | €55,726 | €89,815 | €118,486 | €49,260 | ▼ 58.4% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | €33,052 | €54,226 | €88,315 | €116,986 | €47,760 | ▼ 59.2% |
| Amounts payable17/49 | €40,981 | €41,768 | €46,097 | €44,978 | €132,522 | ▲ 195% |
| Amounts payable within one year42/48 | €40,981 | €41,768 | €46,097 | €44,978 | €132,522 | ▲ 195% |
| Trade debts44 | €607 | €1,689 | €567 | €1,019 | €2,191 | ▲ 115% |
| Suppliers440/4 | €607 | €1,689 | €567 | €1,019 | €2,191 | ▲ 115% |
| Taxes, remuneration and social security45 | €13,008 | €13,290 | €21,427 | €22,319 | €6,622 | ▼ 70.3% |
| Taxes450/3 | €11,476 | €12,580 | €21,165 | €22,319 | €6,622 | ▼ 70.3% |
| Remuneration and social security454/9 | €1,533 | €710 | €261 | €0 | €0 | - |
| Other amounts payable47/48 | €27,366 | €26,790 | €24,104 | €21,639 | €123,709 | ▲ 472% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,863 | €23,973 | €34,889 | €29,504 | €37,004 | ▲ 25.4% |
| + Depreciation and write-downs630 | €3,760 | €4,285 | €4,389 | €4,257 | €4,243 | ▼ 0.3% |
| Operating cash flow (approximation) | €26,623 | €28,259 | €39,278 | €33,760 | €41,247 | ▲ 22.2% |
| Investment in fixed assets (approximation) | - | -€4,163 | -€2,082 | -€4,391 | €0 | ▲ 100% |
| Change in cash | - | €20,839 | €41,788 | €27,343 | -€59,304 | ▼ 317% |
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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €37,004 ▲25.4%
Net result €37,004, the highest in the series.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €118,486 ▲31.9%
5 profitable years in a row build equity to €118,486.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Verlaine · 1 establishment unit since 2020
Ground area
1,310 m²
Building footprint
138 m²
Volume, LiDAR
763 m³
Parcel 61032B0202/00S000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JD-A
since 20202.302.403.480
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61032B0202/00S000 | Wallonia | 1,310 m² | 1 · 138 m² | 7.3 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 1,507 companies in sector 66199 we hold annual accounts for 921. 556 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
69101Activities of lawyers
70200Business and other management consultancy
Contact
E-mail
j.delvenne@avocat.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0746853379
Also
9925:BE0746853379
Registered
11-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.