JDB-Consulting
ActiveJDB-Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €109k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 90% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 8.18 against 14.47 in 2024), and 12% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
88%
Return on assets
32.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
12 d early
2022
24 d early
2021
11 d early
2020
26 d early
2019
11 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▼ 5.7%
2024 · €316k
2018: €86k
2019: €133k
2020: €154k
2021: €174k
2022: €198k
2023: €246k
2024: €316k
2018 → 2025
Total assets
€338k▼ 0.1%
2024 · €339k
2018: €96k
2019: €159k
2020: €177k
2021: €186k
2022: €210k
2023: €272k
2024: €339k
2018 → 2025
Net result
€109k▲ 56.5%
2024 · €70k
2018: €10k
2019: €47k
2020: €20k
2021: €20k
2022: €24k
2023: €48k
2024: €70k
2018 → 2025
Working capital
€291k▼ 5.0%
2024 · €306k
2018: €82k
2019: €130k
2020: €140k
2021: €165k
2022: €188k
2023: €229k
2024: €306k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€198k▲ 13.7%€246k▲ 24.5%€316k▲ 28.3%€298k▼ 5.7%
Operating result€33k-€38k▲ 16.9%€76k▲ 98.1%€106k▲ 39.4%€160k▲ 51.3%
Net result€20k-€24k▲ 17.9%€48k▲ 103%€70k▲ 43.8%€109k▲ 56.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 51% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€7k▼ 28.3%
Current assets
€331k▲ 0.8%
Equity and liabilities €338k
Equity
€298k▼ 5.7%
Debt
€40k▲ 78.4%
The debt ratio rises from 6.7% to 12.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€164k▲
2024 · €113k
Cash flow
€113k▲
2024 · €77k
Solvency
88.0%▼
2024 · 93.3%
Current ratio
8.18▼
2024 · 14.47
Quick ratio
8.18▼
2024 · 14.47
Debt / equity
0.14▲
2024 · 0.07
ROE
36.6%▲
2024 · 22.0%
ROA
32.2%▲
2024 · 20.6%
Interest coverage
800.57▲
2024 · 642.42
Debt
€40k▲
2024 · €23k
Debt ≤ 1 year
€40k▲
2024 · €23k
Income taxes
€55k▲
2024 · €38k
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€339k€338k▼
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Land and buildings22€2k€2k▲
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€83€5▼
Current assets29/58€329k€331k▲
Amounts receivable within one year40/41€149k€44k▼
Trade receivables40€26k€14k▼
Other amounts receivable41€123k€30k▼
Cash at bank and in hand54/58€178k€261k▲
Deferred charges and accrued income490/1€2k€26k▲
Equity and liabilities
Total equity and liabilities10/49€339k€338k▼
Equity10/15€316k€298k▼
Contributions10/11€6k€6k=
Reserves13€309k€291k▼
Distributable reserves133€309k€291k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€23k€40k▲
Amounts payable within one year42/48€23k€40k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€18k€37k▲
Taxes450/3€18k€37k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€392€612▲
Gross operating margin9900€114k€165k▲
Operating profit (loss)9901€106k€160k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€177€205▲
Recurring financial charges65€177€205▲
Profit (loss) for the period before taxes9903€108k€164k▲
Income taxes67/77€38k€55k▲
Profit (loss) for the period9904€70k€109k▲
Profit (loss) for the period to be appropriated9905€70k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€109k▲
Transfer from equity791/2-€127k
Transfer to equity691/2€70k€109k▲
To other reserves6921€70k€109k▲
Profit to be distributed694/7-€127k
Return on contributions (dividend)694-€127k
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €109k ▲56.5%
Operating result €160k, net result €109k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €246k ▲24.5%
6 profitable years in a row build equity to €246k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 14.54
Current ratio from 7.10 to 14.54; short-term debt falls from €23k to €12k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €154k ▲15.3%
3 profitable years in a row build equity to €154k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €133k ▲54.9%
2 profitable years in a row build equity to €133k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Lievegem · 1 establishment unit since 2016
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.
Begonialaan 129930 LievegemGround area
744 m²
Building footprint
157 m²
Volume, LiDAR
743 m³
Parcel 44080D0161/00Z003, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JDB-Consulting
since 20162.257.861.674
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0161/00Z003 | Flanders | 744 m² | 1 · 157 m² | 9.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500RBQ0D9RP7TDJ94
Similar companies · same sector, comparable size
ABILIMO
BE 0476.727.185
Schaarbeek · Eq €298k
WOONQUALITY
BE 0838.563.416
Ninove · Eq €297k
CHRYSTAL
BE 0453.956.832
Mol · Eq €298k
IMMO JFRC
BE 0801.997.384
Aywaille · Eq €297k
SNV
BE 0657.919.821
Kasterlee · Eq €298k
Of 7,287 companies in sector 68110 we hold annual accounts for 5,352. 3,834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2016
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.