JDCONSULT
ActiveSummary
JDCONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85,705 and a net result of -€6,963. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-76
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 14.95 against 8.94 in 2024; short-term debt: 6.7% and cash: 80% of total assets), and 6.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-03-2026, 48 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
48 d early
2024
4 d early
2023
3 d early
2022
1 d early
2021
2 d early
2020
4 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€85,705▼ 7.5%
2024 · €92,668
Total assets
€91,822▼ 11.9%
2024 · €104,226
Net result
-€6,963
2024 · €13,520
Working capital
€85,336▼ 7.0%
2024 · €91,769
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,532▲ 5.6%€21,832▲ 1.4%€13,336▼ 38.9%€18,039▲ 35.3%-€6,785
Net result€16,322within the sector's middle half▲ 3.6%€16,399within the sector's middle half▲ 0.5%€9,967within the sector's middle half▼ 39.2%€13,520within the sector's middle half▲ 35.7%-€6,963below the sector's middle half
Equity€89,150within the sector's middle half▲ 22.4%€85,548within the sector's middle half▼ 4.0%€79,148within the sector's middle half▼ 7.5%€92,668within the sector's middle half▲ 17.1%€85,705within the sector's middle half▼ 7.5%
Total assets€98,114below the sector's middle half▲ 14.2%€102,680within the sector's middle half▲ 4.7%€103,422within the sector's middle half▲ 0.7%€104,226within the sector's middle half▲ 0.8%€91,822within the sector's middle half▼ 11.9%
Debt€8,964▼ 31.4%€17,131▲ 91.1%€24,274▲ 41.7%€11,557▼ 52.4%€6,117▼ 47.1%
Working capital€87,577▲ 35.0%€83,589▼ 4.6%€77,719▼ 7.0%€91,769▲ 18.1%€85,336▼ 7.0%
Solvency90.9%above the sector's middle half▲ 6.1pp83.3%above the sector's middle half▼ 7.5pp76.5%within the sector's middle half▼ 6.8pp88.9%above the sector's middle half▲ 12.4pp93.3%above the sector's middle half▲ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,785 after €18,039 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91,822
Fixed assets
€370 ▼ 58.9%
Current assets
€91,453 ▼ 11.5%
Equity and liabilities €91,822
Equity
€85,705 ▼ 7.5%
Debt
€6,117 ▼ 47.1%
Debt's share of the balance-sheet total falls from 11.1% to 6.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€6,255▼
2024 · €18,569
Cash flow
-€6,433▼
2024 · €14,050
Current ratio
14.95▲
2024 · 8.94
Debt to equity
0.07▼
2024 · 0.12
ROE
-8.1%▼
2024 · 14.6%
ROA
-7.6%▼
2024 · 13.0%
Interest coverage
-52.15▼
2024 · 186.92
Debt ≤ 1 year
€6,117▼
2024 · €11,557
Income taxes
€195▼
2024 · €4,589
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,442 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.1%
went bankrupt
7.3%
stopped otherwise
90%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,442 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,069 | €600 | €530 | €530 | €530 | = |
| Other operating charges640/8 | €544 | €617 | €664 | €1,048 | €1,176 | ▲ 12.2% |
| Gross operating margin9900 | €30,145 | €23,049 | €14,529 | €19,617 | -€5,078 | ▼ 126% |
| Operating profit (loss)9901 | €21,532 | €21,832 | €13,336 | €18,039 | -€6,785 | ▼ 138% |
| Financial income75/76B | €233 | €428 | €195 | €169 | €136 | ▼ 19.5% |
| Recurring financial income75 | €233 | €428 | €195 | €169 | €136 | ▼ 19.5% |
| Financial charges65/66B | €91 | €67 | €190 | €99 | €120 | ▲ 20.7% |
| Recurring financial charges65 | €91 | €67 | €190 | €99 | €120 | ▲ 20.7% |
| Profit (loss) for the period before taxes9903 | €21,674 | €22,193 | €13,340 | €18,109 | -€6,768 | ▼ 137% |
| Income taxes67/77 | €5,352 | €5,795 | €3,373 | €4,589 | €195 | ▼ 95.7% |
| Profit (loss) for the period9904 | €16,322 | €16,399 | €9,967 | €13,520 | -€6,963 | ▼ 152% |
| Profit (loss) for the period to be appropriated9905 | €16,322 | €16,399 | €9,967 | €13,520 | -€6,963 | ▼ 152% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €98,114 | €102,680 | €103,422 | €104,226 | €91,822 | ▼ 11.9% |
| Fixed assets21/28 | €1,573 | €1,960 | €1,430 | €900 | €370 | ▼ 58.9% |
| Tangible fixed assets22/27 | €1,573 | €1,960 | €1,430 | €900 | €370 | ▼ 58.9% |
| Furniture and vehicles24 | €1,573 | €1,960 | €1,430 | €900 | €370 | ▼ 58.9% |
| Current assets29/58 | €96,541 | €100,720 | €101,993 | €103,326 | €91,453 | ▼ 11.5% |
| Amounts receivable within one year40/41 | €10,174 | €13,112 | €16,188 | €9,217 | €18,014 | ▲ 95.4% |
| Trade receivables40 | €9,293 | €9,912 | €8,076 | €8,806 | €6,100 | ▼ 30.7% |
| Other amounts receivable41 | €881 | €3,200 | €8,112 | €411 | €11,914 | ▲ 2,796% |
| Cash at bank and in hand54/58 | €86,367 | €87,608 | €85,805 | €94,109 | €73,439 | ▼ 22.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €98,114 | €102,680 | €103,422 | €104,226 | €91,822 | ▼ 11.9% |
| Equity10/15 | €89,150 | €85,548 | €79,148 | €92,668 | €85,705 | ▼ 7.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €70,550 | €66,948 | €60,548 | €74,068 | €74,068 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €68,690 | €65,088 | €58,688 | €72,208 | €72,208 | = |
| Profit (loss) carried forward14 | - | - | €0 | €0 | -€6,963 | - |
| Amounts payable17/49 | €8,964 | €17,131 | €24,274 | €11,557 | €6,117 | ▼ 47.1% |
| Amounts payable within one year42/48 | €8,964 | €17,131 | €24,274 | €11,557 | €6,117 | ▼ 47.1% |
| Trade debts44 | €1,218 | €1,320 | €510 | €544 | €853 | ▲ 56.9% |
| Suppliers440/4 | €1,218 | €1,320 | €510 | €544 | €853 | ▲ 56.9% |
| Taxes, remuneration and social security45 | €7,353 | €15,812 | €7,397 | €6,483 | €5,264 | ▼ 18.8% |
| Taxes450/3 | €7,353 | €15,812 | €7,397 | €6,483 | €5,264 | ▼ 18.8% |
| Other amounts payable47/48 | €394 | - | €16,367 | €4,531 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,322 | €16,399 | €9,967 | €13,520 | -€6,963 | ▼ 152% |
| + Depreciation and write-downs630 | €8,069 | €600 | €530 | €530 | €530 | = |
| Operating cash flow (approximation) | €24,392 | €16,999 | €10,497 | €14,050 | -€6,433 | ▼ 146% |
| Investment in fixed assets (approximation) | - | -€987 | €0 | €0 | €0 | - |
| Change in cash | - | €1,241 | -€1,803 | €8,304 | -€20,670 | ▼ 349% |
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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet -€6,963
Net result drops to -€6,963, the lowest in the series.
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 8.94
Current ratio from 4.20 to 8.94; short-term debt falls from €24,274 to €11,557.
27-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €16,399 ▲0.5%
Operating result €21,832, net result €16,399, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Kortrijk · 1 establishment unit since 2016
Ground area
1,000 m²
Building footprint
221 m²
Volume, LiDAR
906 m³
Parcel 34005C0992/00M000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JDCONSULT
since 20162.257.204.846
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34005C0992/00M000 | Flanders | 1,000 m² | 1 · 221 m² | 6.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,041 EUR awarded · 1,419 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 389 EUR | 389 EUR |
| 2024 | 1 | 389 EUR | 389 EUR |
| 2023 | 1 | 53 EUR | 431 EUR |
| 2022 | 1 | 210 EUR | 210 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,420 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 (pre-2019)
Founded07-10-2016
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
jan_desmet@telenet.be
Phone
+32497515236
E-invoicing
Reachable via Peppol
Peppol ID
0208:0663965790
Also
9925:BE0663965790
Registered
13-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.