Je Jo Consult
ActiveSummary
Je Jo Consult has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €616k and a net result of €4k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency97▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.92 against 4.65 in 2024; short-term debt: 8.5% and cash: 4.4% of total assets), and 28.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
71.8%
Return on assets
0.4%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
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 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
19 d early
2023
11 d early
2022
17 d early
2021
30 d early
2020
11 d early
2019
21 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€616k▼ 8.7%
2024 · €675k
2018: €230k
2019: €293k
2020: €416k
2021: €516k
2022: €504k
2023: €648k
2024: €675k
2018 → 2025
Total assets
€857k▼ 10.5%
2024 · €958k
2018: €540k
2019: €580k
2020: €735k
2021: €758k
2022: €834k
2023: €1.59M
2024: €958k
2018 → 2025
Net result
€4k▼ 85.8%
2024 · €27k
2018: €34k
2019: €63k
2020: €124k
2021: €99k
2022: €77k
2023: €210k
2024: €27k
2018 → 2025
Working capital
€212k▼ 23.1%
2024 · €275k
2018: €214k
2019: €279k
2020: €390k
2021: €447k
2022: €432k
2023: €724k
2024: €275k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€516k-€504k▼ 2.2%€648k▲ 28.4%€675k▲ 4.2%€616k▼ 8.7%
Operating result€124k-€110k▼ 11.0%€310k▲ 181%€42k▼ 86.6%€11k▼ 72.7%
Net result€99k-€77k▼ 23.0%€210k▲ 174%€27k▼ 87.1%€4k▼ 85.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 73% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €857k
Fixed assets
€573k ▼ 5.6%
Current assets
€285k ▼ 18.9%
Equity and liabilities €857k
Equity
€616k ▼ 8.7%
Provisions
€6k ▼ 3.1%
Debt
€236k ▼ 14.9%
Debt's share of the balance-sheet total falls from 28.9% to 27.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€74k▼
2024 · €89k
Cash flow
€67k▼
2024 · €75k
Current ratio
3.92▼
2024 · 4.65
Debt to equity
0.38▼
2024 · 0.41
ROE
0.6%▼
2024 · 4.0%
ROA
0.4%▼
2024 · 2.8%
Interest coverage
7.10▼
2024 · 10.70
Debt ≤ 1 year
€73k▼
2024 · €75k
Debt > 1 year
€163k▼
2024 · €202k
Income taxes
€1k▼
2024 · €7k
Staff costs
€0▲
2024 · €-1k
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€958k€857k▼
Fixed assets21/28€607k€573k▼
Tangible fixed assets22/27€467k€433k▼
Land and buildings22€338k€338k▲
Plant, machinery and equipment23€17k€13k▼
Furniture and vehicles24€113k€81k▼
Financial fixed assets28€140k€140k=
Current assets29/58€351k€285k▼
Amounts receivable after more than one year29-€100k
Other amounts receivable291-€100k
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€43k€53k▲
Trade receivables40€39k€44k▲
Other amounts receivable41€4k€9k▲
Current investments50/53-€90k
Cash at bank and in hand54/58€303k€38k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€958k€857k▼
Equity10/15€675k€616k▼
Contributions10/11€12k€12k=
Reserves13€662k€603k▼
Tax-exempt reserves132€18k€18k▼
Distributable reserves133€644k€586k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€6k€6k▼
Deferred taxes168€6k€6k▼
Amounts payable17/49€277k€236k▼
Amounts payable after more than one year17€202k€163k▼
Financial debts170/4€202k€163k▼
Amounts payable within one year42/48€75k€73k▼
Current portion of amounts payable after more than one year42€40k€42k▲
Trade debts44€14€999▲
Suppliers440/4€14€999▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€29k€21k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€-1k€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€63k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€90k€77k▼
Operating profit (loss)9901€42k€11k▼
Financial income75/76B€788€4k▲
Recurring financial income75€788€4k▲
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€34k€5k▼
Transfer from deferred taxes780€192€192=
Transfer to deferred taxes680€0-
Income taxes67/77€7k€1k▼
Profit (loss) for the period9904€27k€4k▼
Transfer from tax-exempt reserves789€577€577=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€28k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€4k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0€63k▲
Transfer to equity691/2€28k€4k▼
To other reserves6921€28k€4k▼
Profit to be distributed694/7€0€63k▲
Return on contributions (dividend)694€0€63k▲
The notes to these accounts (20 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €4k ▼85.8%
Net result drops to €4k, the lowest in the series.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €210k ▲174%
Operating result €310k, net result €210k, both a record.
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €500kEq €516k ▲23.9%
4 profitable years in a row build equity to €516k.
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, As · 1 establishment unit since 2010
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.
Breeërweg 15A3665 AsGround area
1,469 m²
Building footprint
297 m²
Volume, LiDAR
1,021 m³
2 parcels, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Je Jo Consult
since 20102.192.320.853
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71002A0062/00P000 | Flanders | 782 m² | 1 · 157 m² | - |
| 71002A0062/00R000 | Flanders | 687 m² | 1 · 141 m² | 9.8 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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Of 169 companies in sector 46730 we hold annual accounts for 89. 51 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2010
Fiscal year end30-09
Activities, NACEBEL 2025
46730Wholesale trade
47632Retail sale of bicycles
47830Retail sale of motorcycles and motorcycle parts and accessories
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.