Summary
JDL Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €24k and a net result of €2k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 5547 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 5547 sector peers (2025).
NBB · sector comparisonPosition among 5547 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
12 d late
2023
1 d early
2022
7 d late
2021
5 d early
2020
10 d late
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€24k▼ 2.8%
2024 · €25k
2018: €9klowest in 8 years
2019: €10k▲ +6.7% vs 2018
2020: €11k▲ +12.6% vs 2019
2021: €13k▲ +13.0% vs 2020
2022: €13k▲ +3.0% vs 2021
2023: €14k▲ +2.2% vs 2022
2024: €25k▲ +81.4% vs 2023highest in 8 years
2025: €24k▼ -2.8% vs 2024
2018 → 2025
Net result
€2k▼ 94.4%
2024 · €41k
2018: €13k
2019: €16k▲ +24.4% vs 2018
2020: €34k▲ +116% vs 2019
2021: €28k▼ -15.7% vs 2020
2022: €15k▼ -46.0% vs 2021
2023: €295▼ -98.1% vs 2022lowest in 8 years
2024: €41k▲ +13838% vs 2023highest in 8 years
2025: €2k▼ -94.4% vs 2024
2018 → 2025
Total assets
€173k▲ 14.5%
2024 · €151k
2018: €144k
2019: €186k▲ +29.0% vs 2018highest in 8 years
2020: €174k▼ -6.6% vs 2019
2021: €172k▼ -1.3% vs 2020
2022: €163k▼ -4.9% vs 2021
2023: €141k▼ -13.4% vs 2022lowest in 8 years
2024: €151k▲ +6.7% vs 2023
2025: €173k▲ +14.5% vs 2024
2018 → 2025
Solvency
13.8%▼ 2.5pp
2024 · 16.2%
2018: 6.6%
2019: 5.4%▼ -17.3% vs 2018lowest in 8 years
2020: 6.5%▲ +20.6% vs 2019
2021: 7.5%▲ +14.5% vs 2020
2022: 8.1%▲ +8.3% vs 2021
2023: 9.6%▲ +18.0% vs 2022
2024: 16.2%▲ +70.0% vs 2023highest in 8 years
2025: 13.8%▼ -15.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€13k▲ 3.0%€14k▲ 2.2%€25k▲ 81.4%€24k▼ 2.8%
2021: €13klowest in 5 years
2022: €13k▲ +3.0% vs 2021
2023: €14k▲ +2.2% vs 2022
2024: €25k▲ +81.4% vs 2023highest in 5 years
2025: €24k▼ -2.8% vs 2024
Operating result€35k-€23k▼ 35.3%€7k▼ 68.1%€55k▲ 663%€13k▼ 77.3%
2021: €35k
2022: €23k▼ -35.3% vs 2021
2023: €7k▼ -68.1% vs 2022lowest in 5 years
2024: €55k▲ +663% vs 2023highest in 5 years
2025: €13k▼ -77.3% vs 2024
Net result€28k-€15k▼ 46.0%€295▼ 98.1%€41k▲ 13,838%€2k▼ 94.4%
2021: €28k
2022: €15k▼ -46.0% vs 2021
2023: €295▼ -98.1% vs 2022lowest in 5 years
2024: €41k▲ +13838% vs 2023highest in 5 years
2025: €2k▼ -94.4% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€41k ▼ 32.0%
Current assets
€132k ▲ 44.9%
Equity and liabilities €173k
Equity
€24k ▼ 2.8%
Debt
€149k ▲ 17.8%
Debt's share of the balance-sheet total rises from 83.8% to 86.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
9.7%▼
2024 · 167.8%
ROA
1.3%▼
2024 · 27.3%
Debt ≤ 1 year
€131k▲
2024 · €102k
Debt > 1 year
€18k▼
2024 · €24k
Income taxes
€5k▼
2024 · €8k
Staff costs
€175k▼
2024 · €212k
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 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€151k€173k▲
Fixed assets21/28€60k€41k▼
Tangible fixed assets22/27€60k€41k▼
Plant, machinery and equipment23€441€50▼
Furniture and vehicles24€16k€10k▼
Leasing and similar rights25€38k€27k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€91k€132k▲
Amounts receivable after more than one year29€6k€6k=
Other amounts receivable291€6k€6k=
Amounts receivable within one year40/41€82k€108k▲
Trade receivables40€57k€90k▲
Other amounts receivable41€24k€18k▼
Cash at bank and in hand54/58€4k€15k▲
Deferred charges and accrued income490/1€0€3k▲
Equity and liabilities
Total equity and liabilities10/49€151k€173k▲
Equity10/15€25k€24k▼
Contributions10/11€6k€6k=
Reserves13€18k€18k▼
Distributable reserves133€18k€18k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€126k€149k▲
Amounts payable after more than one year17€24k€18k▼
Financial debts170/4€24k€18k▼
Amounts payable within one year42/48€102k€131k▲
Current portion of amounts payable after more than one year42€7k€6k▼
Financial debts43€3k€25k▲
Credit institutions430/8€3k€25k▲
Trade debts44€23k€46k▲
Suppliers440/4€23k€46k▲
Taxes, remuneration and social security45€39k€39k▼
Taxes450/3€23k€21k▼
Remuneration and social security454/9€17k€18k▲
Other amounts payable47/48€30k€16k▼
Income statement
Code20242025
Remuneration, social security and pensions62€212k€175k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€815€-815▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€281k€207k▼
Operating profit (loss)9901€55k€13k▼
Financial income75/76B€182€530▲
Recurring financial income75€182€530▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€49k€7k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€41k€2k▼
Profit (loss) for the period to be appropriated9905€41k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€2k▼
Transfer from equity791/2-€694
Transfer to equity691/2€11k€0▼
To other reserves6921€11k€0▼
Profit to be distributed694/7€30k€3k▼
Directors or managers695€25k€0▼
Other beneficiaries697€5k€3k▼
Social balance
Average headcount (FTE)90873.33.0▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €175k | €250k | €279k | €212k | €175k | ▼ 17.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €9k | €9k | €11k | €17k | ▲ 47.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €815 | €-815 | ▼ 200% |
| Other operating charges640/8 | €14k | €3k | €5k | €2k | €3k | ▲ 71.6% |
| Gross operating margin9900 | €240k | €285k | €300k | €281k | €207k | ▼ 26.3% |
| Operating profit (loss)9901 | €35k | €23k | €7k | €55k | €13k | ▼ 77.3% |
| Financial income75/76B | €768 | €547 | €271 | €182 | €530 | ▲ 192% |
| Recurring financial income75 | €768 | €547 | €271 | €182 | €530 | ▲ 192% |
| Financial charges65/66B | €3k | €2k | €2k | €6k | €6k | ▼ 7.9% |
| Recurring financial charges65 | €3k | €2k | €2k | €6k | €6k | ▼ 7.9% |
| Profit (loss) for the period before taxes9903 | €33k | €21k | €6k | €49k | €7k | ▼ 85.0% |
| Income taxes67/77 | €4k | €6k | €6k | €8k | €5k | ▼ 38.2% |
| Profit (loss) for the period9904 | €28k | €15k | €295 | €41k | €2k | ▼ 94.4% |
| Profit (loss) for the period to be appropriated9905 | €28k | €15k | €295 | €41k | €2k | ▼ 94.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €172k | €163k | €141k | €151k | €173k | ▲ 14.5% |
| Fixed assets21/28 | €42k | €28k | €22k | €60k | €41k | ▼ 32.0% |
| Tangible fixed assets22/27 | €42k | €28k | €22k | €60k | €41k | ▼ 32.0% |
| Plant, machinery and equipment23 | €2k | €1k | €836 | €441 | €50 | ▼ 88.6% |
| Furniture and vehicles24 | €24k | €12k | €8k | €16k | €10k | ▼ 39.7% |
| Leasing and similar rights25 | €12k | €10k | €7k | €38k | €27k | ▼ 29.0% |
| Other tangible fixed assets26 | €3k | €5k | €6k | €5k | €4k | ▼ 24.4% |
| Current assets29/58 | €130k | €136k | €120k | €91k | €132k | ▲ 44.9% |
| Amounts receivable after more than one year29 | €25k | €15k | €8k | €6k | €6k | = |
| Other amounts receivable291 | €25k | €15k | €8k | €6k | €6k | = |
| Amounts receivable within one year40/41 | €80k | €91k | €74k | €82k | €108k | ▲ 32.4% |
| Trade receivables40 | €74k | €81k | €62k | €57k | €90k | ▲ 56.9% |
| Other amounts receivable41 | €6k | €10k | €11k | €24k | €18k | ▼ 25.7% |
| Cash at bank and in hand54/58 | €23k | €29k | €35k | €4k | €15k | ▲ 334% |
| Deferred charges and accrued income490/1 | €1k | €2k | €3k | €0 | €3k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €172k | €163k | €141k | €151k | €173k | ▲ 14.5% |
| Equity10/15 | €13k | €13k | €14k | €25k | €24k | ▼ 2.8% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €7k | €7k | €7k | €18k | €18k | ▼ 3.8% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €5k | €5k | €7k | €18k | €18k | ▼ 3.8% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €159k | €150k | €128k | €126k | €149k | ▲ 17.8% |
| Amounts payable after more than one year17 | €17k | €6k | €1k | €24k | €18k | ▼ 25.9% |
| Financial debts170/4 | €17k | €6k | €1k | €24k | €18k | ▼ 25.9% |
| Amounts payable within one year42/48 | €142k | €144k | €127k | €102k | €131k | ▲ 28.1% |
| Current portion of amounts payable after more than one year42 | €14k | €10k | €5k | €7k | €6k | ▼ 11.5% |
| Financial debts43 | €25k | €0 | €30k | €3k | €25k | ▲ 743% |
| Credit institutions430/8 | €25k | €0 | €30k | €3k | €25k | ▲ 743% |
| Trade debts44 | €30k | €51k | €21k | €23k | €46k | ▲ 102% |
| Suppliers440/4 | €30k | €51k | €21k | €23k | €46k | ▲ 102% |
| Taxes, remuneration and social security45 | €29k | €45k | €64k | €39k | €39k | ▼ 2.4% |
| Taxes450/3 | €11k | €20k | €31k | €23k | €21k | ▼ 8.1% |
| Remuneration and social security454/9 | €17k | €25k | €33k | €17k | €18k | ▲ 5.4% |
| Other amounts payable47/48 | €45k | €38k | €7k | €30k | €16k | ▼ 48.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €15k | €295 | €41k | €2k | ▼ 94.4% |
| + Depreciation and write-downs630 | €16k | €9k | €9k | €11k | €17k | ▲ 47.7% |
| Operating cash flow (approximation) | €44k | €24k | €10k | €53k | €19k | ▼ 63.5% |
| Investment in fixed assets (approximation) | - | €5k | €-3k | €-50k | €2k | ▲ 104% |
| Change in cash | - | €5k | €6k | €-31k | €12k | ▲ 138% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €41k ▲13,838%
Operating result €55k, net result €41k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €295 ▼98.1%
Net result drops to €295, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zemst · 1 establishment unit since 2015
Ground area
1,242 m²
Building footprint
171 m²
Volume, LiDAR
887 m³
Parcel 23018E0073/00Y000, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JDL Consulting
since 20152.238.975.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018E0073/00Y000 | Flanders | 1,242 m² | 1 · 171 m² | 9.3 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 8,041 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
Founded23-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
52250Logistics services
64210Activities of holding companies
49410Freight transport by road
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.