JD FINANCIAL SERVICES
ActiveSummary
JD FINANCIAL SERVICES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €41k. Equity is growing by ~66.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-9
Solvency89▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 2.34 in 2023; short-term debt: 27.9% of total assets), and 35.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
64.1%
Return on assets
17.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 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 · 10 filingsDeviation from the deadline
2025
27 d late
2023
29 d late
2022
28 d late
2021
26 d late
2020
26 d late
2019
25 d late
2018
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▲ 66.4%
2023 · €90k
2019: €-120k
2020: €-34k
2021: €2k
2022: €32k
2023: €90k
2019 → 2025
Total assets
€234k▲ 52.8%
2023 · €153k
2019: €136k
2020: €192k
2021: €195k
2022: €180k
2023: €153k
2019 → 2025
Net result
€41k▼ 28.0%
2023 · €58k
2019: €-256k
2020: €86k
2021: €37k
2022: €30k
2023: €58k
2019 → 2025
Working capital
€122k▲ 45.0%
2023 · €84k
2019: €-34k
2020: €66k
2021: €84k
2022: €26k
2023: €84k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€-34k-€2k€32k▲ 1,412%€90k▲ 178%€150k▲ 66.4%
Operating result€96k-€45k▼ 53.2%€53k▲ 18.8%€58k▲ 9.4%€43k▼ 26.5%
Net result€86k-€37k▼ 57.3%€30k▼ 17.3%€58k▲ 90.5%€41k▼ 28.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €43k in 2025, compared with €58k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €234k
Fixed assets
€46k ▲ 747%
Current assets
€188k ▲ 27.3%
Equity and liabilities €234k
Equity
€150k ▲ 66.4%
Debt
€84k ▲ 33.4%
Debt's share of the balance-sheet total falls from 41.2% to 35.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▼
2023 · €59k
Cash flow
€43k▼
2023 · €59k
Current ratio
2.88▲
2023 · 2.34
Debt to equity
0.56▼
2023 · 0.70
ROE
27.7%▼
2023 · 64.0%
ROA
17.7%▼
2023 · 37.7%
Interest coverage
34.25▼
2023 · 45.96
Debt ≤ 1 year
€65k▲
2023 · €63k
Debt > 1 year
€19k
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 2023 · 49 lines
Balance sheet
Code20232025
Assets
Total assets20/58€153k€234k▲
Fixed assets21/28€5k€46k▲
Tangible fixed assets22/27€5k€46k▲
Furniture and vehicles24€5k€46k▲
Current assets29/58€147k€188k▲
Amounts receivable after more than one year29€6k-
Other amounts receivable291€6k-
Amounts receivable within one year40/41€135k€187k▲
Trade receivables40€20k€2k▼
Other amounts receivable41€115k€184k▲
Cash at bank and in hand54/58€6k-
Deferred charges and accrued income490/1€227€824▲
Equity and liabilities
Total equity and liabilities10/49€153k€234k▲
Equity10/15€90k€150k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€35k€35k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€48k€108k▲
Amounts payable17/49€63k€84k▲
Amounts payable after more than one year17-€19k
Financial debts170/4-€19k
Amounts payable within one year42/48€63k€65k▲
Current portion of amounts payable after more than one year42-€9k
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€8k€37k▲
Suppliers440/4€8k€37k▲
Taxes, remuneration and social security45€31k€16k▼
Taxes450/3€31k€16k▼
Other amounts payable47/48€23k€85▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€12k€187▼
Gross operating margin9900€71k€45k▼
Operating profit (loss)9901€58k€43k▼
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€59k€41k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€58k€41k▼
Profit (loss) for the period to be appropriated9905€58k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€108k▲
Profit (loss) brought forward from the previous period14P€-9k€67k▲
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Equity above €100kEq €150k ▲66.4%
5 profitable years in a row build equity to €150k.
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
26-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
Financial
Back to profitnet €86k
Net result €86k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.60
Current ratio from 0.65 to 1.60.
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
12-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2002
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.
Gontrodestraat 1099050 GentGround area
101 m²
Building footprint
70 m²
Volume, LiDAR
443 m³
Parcel 44363B0417/00M004, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gontrodestraat 109, 9050 Gent
since 20022.095.743.594
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44363B0417/00M004 | Flanders | 101 m² | 1 · 70 m² | 10.3 m · 2 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.
Similar companies · same sector, comparable size
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prinzie & co managementburo
BE 0685.905.410
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Bihuus
BE 0777.756.688
Wortegem-Petegem · Eq €149,630
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,828 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 (pre-2019)
Founded06-02-2002
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
47400Retail sale of information and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:johan.dhauw@jdfs.be
E-mail:jd.financial.services@telenet.be
Phone:0494/500.406