JELA CONSULT
ActiveJELA CONSULT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €434k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 3269 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+24
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 56.63 against 38.49 in 2024; short-term debt: 1.6% and cash: 87.6% of total assets), and 1.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Sector 69
lower
← 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
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
19202122232425
2019 to 2025 · latest year €-1k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
11 d early
2023
6 d early
2022
13 d early
2021
5 d early
2020
4 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€434k▼ 0.6%
2024 · €437k
2019: €618k
2020: €838k
2021: €865k
2022: €944k
2023: €1.01M
2024: €437k
2019 → 2025
Total assets
€441k▼ 1.2%
2024 · €447k
2019: €995k
2020: €1.06M
2021: €960k
2022: €1.01M
2023: €1.06M
2024: €447k
2019 → 2025
Net result
€-1k▲ 98.5%
2024 · €-76k
2019: €43k
2020: €235k
2021: €43k
2022: €86k
2023: €62k
2024: €-76k
2019 → 2025
Working capital
€398k▲ 4.0%
2024 · €383k
2019: €-75k
2020: €165k
2021: €198k
2022: €241k
2023: €841k
2024: €383k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€865k-€944k▲ 9.1%€1.01M▲ 6.5%€437k▼ 56.6%€434k▼ 0.6%
Operating result€50k-€72k▲ 45.0%€277k▲ 284%€47k▼ 82.9%€-4k
Net result€43k-€86k▲ 102%€62k▼ 28.0%€-76k€-1k▲ 98.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €47k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€36k▼ 33.1%
Current assets
€406k▲ 3.1%
Equity and liabilities €441k
Equity
€434k▼ 0.6%
Debt
€7k▼ 29.9%
The debt ratio falls from 2.3% to 1.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €57k
Cash flow
€10k▲
2024 · €-66k
Solvency
98.4%▲
2024 · 97.7%
Current ratio
56.63▲
2024 · 38.49
Quick ratio
56.63▲
2024 · 38.49
Debt / equity
0.02▼
2024 · 0.02
ROE
-0.3%▲
2024 · -17.4%
ROA
-0.3%▲
2024 · -17.0%
Interest coverage
1.14▲
2024 · 0.43
Debt
€7k▼
2024 · €10k
Debt ≤ 1 year
€7k▼
2024 · €10k
Income taxes
€1k▼
2024 · €21k
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€447k€441k▼
Fixed assets21/28€54k€36k▼
Tangible fixed assets22/27€47k€36k▼
Furniture and vehicles24€33k€25k▼
Other tangible fixed assets26€15k€11k▼
Financial fixed assets28€6k-
Current assets29/58€393k€406k▲
Amounts receivable within one year40/41€13k€19k▲
Trade receivables40€13k-
Other amounts receivable41-€19k
Cash at bank and in hand54/58€381k€387k▲
Deferred charges and accrued income490/1-€196
Equity and liabilities
Total equity and liabilities10/49€447k€441k▼
Equity10/15€437k€434k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€229k€227k▼
Tax-exempt reserves132€4k€3k▼
Distributable reserves133€225k€225k=
Profit (loss) carried forward14€189k€188k▼
Amounts payable17/49€10k€7k▼
Amounts payable within one year42/48€10k€7k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€2k€250▼
Gross operating margin9900€62k€9k▼
Operating profit (loss)9901€47k€-4k▼
Financial income75/76B€29k€10k▼
Recurring financial income75€29k€10k▼
Financial charges65/66B€132k€7k▼
Recurring financial charges65€132k€7k▼
Profit (loss) for the period before taxes9903€-55k€-121▲
Income taxes67/77€21k€1k▼
Profit (loss) for the period9904€-76k€-1k▲
Profit (loss) for the period to be appropriated9905€-76k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€189k€188k▼
Profit (loss) brought forward from the previous period14P€265k€189k▼
Transfer from equity791/2€335k-
Profit to be distributed694/7€335k-
Return on contributions (dividend)694€335k-
The notes to these accounts (8 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €-76k ▼222%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 38.49
Current ratio from 15.58 to 38.49; short-term debt falls from €58k to €10k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Liquidity triplescurrent ratio 15.58
Current ratio from 4.65 to 15.58; short-term debt falls from €66k to €58k.
30-06
Financial
Equity above €1MEq €1.01M ▲6.5%
5 profitable years in a row build equity to €1.01M.
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Highest result since 2019net €235k ▲446%
Net result €235k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.80 to 1.78; short-term debt falls from €377k to €211k.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
12-01
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
6 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, Hasselt · 1 establishment unit since 2001
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.
Galgebergstraat 113511 HasseltGround area
641 m²
Building footprint
179 m²
Volume, LiDAR
71 m³
Parcel 71032B0540/00B003, Flanders · tallest building 6.7 m. Linked by address, not a title deed.
1 establishment unit
Galgebergstraat 11, 3511 Hasselt
since 20012.225.158.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0540/00B003 | Flanders | 641 m² | 1 · 179 m² | 6.7 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,010 EUR awarded · 1,010 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 60 EUR | 60 EUR |
| 2024 | 1 | 87 EUR | 87 EUR |
| 2023 | 1 | 528 EUR | 528 EUR |
| 2022 | 1 | 335 EUR | 335 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2001
Fiscal year end30-06
Activities, NACEBEL
69109Other legal services
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.