JDL CONSULT
ActiveJDL CONSULT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-8k. Equity is shrinking by ~14.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 90% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.5%
Return on assets
-36.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
53 d early
2023
62 d early
2022
32 d early
2021
51 d early
2020
30 d late
2019
26 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€2k
EBIT margin
-362.2%
Net result
€-8k▼ 5.2%
2024 · €-8k
2018: €-7k
2019: €-4k
2020: €895
2021: €13k
2022: €-20k
2023: €-74k
2024: €-8k
2018 → 2025
Working capital
€20k▼ 28.6%
2024 · €29k
2018: €125k
2019: €122k
2020: €126k
2022: €111k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k
Equity€131k-€111k▼ 15.5%€36k▼ 67.1%€29k▼ 21.4%€20k▼ 28.6%
Operating result€15k-€-20k€-74k▼ 265%€-8k▲ 89.8%€-7k▲ 1.1%
Net result€13k-€-20k€-74k▼ 266%€-8k▲ 89.5%€-8k▼ 5.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €23k
Equity
€20k▼ 28.6%
Debt
€2k▼ 75.5%
The debt ratio falls from 23.4% to 9.5%. Equity and debt are lower.
Key figures and ratios
Solvency
90.5%▲
2024 · 76.6%
Current ratio
10.55▲
2024 · 4.28
Quick ratio
10.55▲
2024 · 4.28
Debt / equity
0.10▼
2024 · 0.31
ROE
-40.0%▼
2024 · -27.2%
ROA
-36.2%▼
2024 · -20.8%
Debt
€2k▼
2024 · €9k
Debt ≤ 1 year
€2k▼
2024 · €9k
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€37k€23k▼
Current assets29/58€37k€23k▼
Amounts receivable within one year40/41€37k€22k▼
Trade receivables40€16k€8k▼
Other amounts receivable41€22k€14k▼
Cash at bank and in hand54/58-€125
Equity and liabilities
Total equity and liabilities10/49€37k€23k▼
Equity10/15€29k€20k▼
Contributions10/11€19k€19k=
Reserves13€119k€119k=
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Distributable reserves133€99k€99k=
Profit (loss) carried forward14€-109k€-117k▼
Amounts payable17/49€9k€2k▼
Amounts payable within one year42/48€9k€2k▼
Financial debts43€7k€2k▼
Credit institutions430/8€7k€2k▼
Trade debts44€2k€43▼
Suppliers440/4€2k€43▼
Income statement
Code20242025
Turnover70-€2k
Goods, raw materials, services and sundry goods60/61-€9k
Other operating charges640/8€692€310▼
Gross operating margin9900€-7k€-7k▼
Operating profit (loss)9901€-8k€-7k▲
Financial income75/76B€188-
Recurring financial income75€188-
Non-recurring financial income76B€188-
Financial charges65/66B€416€713▲
Recurring financial charges65€416€713▲
Non-recurring financial charges66B-€713
Profit (loss) for the period before taxes9903€-8k€-8k▼
Profit (loss) for the period9904€-8k€-8k▼
Profit (loss) for the period to be appropriated9905€-8k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-109k€-117k▼
Profit (loss) brought forward from the previous period14P€-101k€-109k▼
The notes to these accounts (1 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 10.55
Current ratio from 4.28 to 10.55; short-term debt falls from €9k to €2k.
08-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-74k
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €13k ▲1324%
Operating result €15k, net result €13k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €895
Net result €895 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 6.52
Current ratio from 2.89 to 6.52; short-term debt falls from €64k to €23k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB 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, Denderleeuw · 1 establishment unit since 2006
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.
Guido Gezellestraat 589470 DenderleeuwGround area
1,258 m²
Building footprint
504 m²
Volume, LiDAR
4,690 m³
Parcel 41011A0761/00N000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JDL Consult
since 20062.157.768.364
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41011A0761/00N000 | Flanders | 1,258 m² | 1 · 504 m² | 14.6 m · 4 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.
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1988
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.