JDB CONSULT
ActiveJDB CONSULT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €15k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 3253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+16
Solvency28▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.16 in 2024), and 81.1% 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 →
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
18.9%
Return on assets
2.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
21 d late
2023
3 d late
2022
6 d late
2021
6 d early
2021
34 d early
2020
33 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€117k▲ 14.6%
2024 · €102k
2019: €11k
2020: €19k
2021: €42k
2021: €69k
2022: €83k
2023: €92k
2024: €102k
2019 → 2025
Total assets
€615k▼ 0.7%
2024 · €620k
2019: €41k
2020: €46k
2021: €95k
2021: €113k
2022: €249k
2023: €364k
2024: €620k
2019 → 2025
Net result
€15k▲ 53.0%
2024 · €10k
2019: €5k
2020: €8k
2021: €23k
2021: €27k
2022: €15k
2023: €9k
2024: €10k
2019 → 2025
Working capital
€19k▲ 25.8%
2024 · €15k
2019: €3k
2020: €8k
2021: €21k
2021: €48k
2022: €62k
2023: €32k
2024: €15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€83k▲ 21.5%€92k▲ 10.5%€102k▲ 10.5%€117k▲ 14.6%
Operating result€36k-€18k▼ 48.3%€21k▲ 14.0%€26k▲ 25.8%€38k▲ 45.4%
Net result€27k-€15k▼ 45.2%€9k▼ 40.6%€10k▲ 10.6%€15k▲ 53.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 45% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €615k
Fixed assets
€499k▼ 2.4%
Current assets
€117k▲ 7.1%
Equity and liabilities €615k
Equity
€117k▲ 14.6%
Debt
€499k▼ 3.7%
The debt ratio falls from 83.6% to 81.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€77k▲
2024 · €54k
Cash flow
€53k▲
2024 · €37k
Solvency
18.9%▲
2024 · 16.4%
Current ratio
1.20▲
2024 · 1.16
Quick ratio
1.20▲
2024 · 1.16
Debt / equity
4.28▼
2024 · 5.09
ROE
12.7%▲
2024 · 9.5%
ROA
2.4%▲
2024 · 1.6%
Interest coverage
4.44▼
2024 · 4.85
Debt
€499k▼
2024 · €518k
Debt ≤ 1 year
€98k▲
2024 · €94k
Debt > 1 year
€401k▼
2024 · €424k
Income taxes
€7k▲
2024 · €6k
Staff costs
€8k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€620k€615k▼
Fixed assets21/28€511k€499k▼
Intangible fixed assets21€14k€32k▲
Tangible fixed assets22/27€497k€466k▼
Land and buildings22€475k€450k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€17k€13k▼
Financial fixed assets28€363€363=
Current assets29/58€109k€117k▲
Amounts receivable within one year40/41€75k€68k▼
Trade receivables40€49k€54k▲
Other amounts receivable41€26k€14k▼
Cash at bank and in hand54/58€31k€17k▼
Deferred charges and accrued income490/1€3k€32k▲
Equity and liabilities
Total equity and liabilities10/49€620k€615k▼
Equity10/15€102k€117k▲
Contributions10/11€8k€8k=
Capital10€8k€8k=
Issued capital100€8k€8k=
Reserves13€94k€109k▲
Distributable reserves133€94k€109k▲
Amounts payable17/49€518k€499k▼
Amounts payable after more than one year17€424k€401k▼
Financial debts170/4€424k€401k▼
Amounts payable within one year42/48€94k€98k▲
Current portion of amounts payable after more than one year42€21k€73k▲
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€16k€12k▼
Other amounts payable47/48€51k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€38k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€56k€86k▲
Operating profit (loss)9901€26k€38k▲
Financial income75/76B€69€315▲
Recurring financial income75€69€315▲
Financial charges65/66B€11k€17k▲
Recurring financial charges65€11k€17k▲
Profit (loss) for the period before taxes9903€15k€21k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€10k€15k▲
Profit (loss) for the period to be appropriated9905€10k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€15k▲
Transfer to equity691/2€10k€15k▲
To other reserves6921€10k€15k▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
30-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Equity above €100kEq €102k ▲10.5%
7 profitable years in a row build equity to €102k.
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
2023
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €27k ▲17%
Net result €27k, the highest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mouscron · 1 establishment unit since 2015
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.
Petit-Audenardestraat(H) 1317712 MouscronGround area
965 m²
Building footprint
196 m²
Volume, LiDAR
743 m³
2 parcels, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JDB CONSULT
since 20152.248.179.193
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003T0161/00Z003 | Wallonia | 768 m² | 1 · 121 m² | - |
| 54004K0564/00C000 | Wallonia | 196 m² | 1 · 75 m² | 12.5 m · 3 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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FISCOMUST
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SOFIGECO 2.0
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2015
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.