JEM CONSULTING
ActiveJEM CONSULTING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €244k and a net result of €78k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability99▲+25
Solvency100▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 1.43 in 2023; short-term debt: 19.4% and cash: 1.1% of total assets), and 23.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
41 d early
2022
31 d late
2021
31 d late
2020
5 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€244k▲ 46.9%
2023 · €166k
2018: €44k
2019: €53k
2020: €86k
2021: €114k
2022: €157k
2023: €166k
2018 → 2024
Total assets
€319k▲ 36.9%
2023 · €233k
2018: €88k
2019: €85k
2020: €139k
2021: €272k
2022: €329k
2023: €233k
2018 → 2024
Net result
€78k▲ 761%
2023 · €9k
2018: €12k
2019: €9k
2020: €32k
2021: €16k
2022: €43k
2023: €9k
2018 → 2024
Working capital
€95k▲ 353%
2023 · €21k
2018: €22k
2019: €18k
2020: €48k
2021: €-23k
2022: €6k
2023: €21k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€86k-€114k▲ 33.1%€157k▲ 37.7%€166k▲ 5.8%€244k▲ 46.9%
Operating result€40k-€21k▼ 47.9%€59k▲ 179%€13k▼ 78.5%€106k▲ 744%
Net result€32k-€16k▼ 50.9%€43k▲ 170%€9k▼ 78.9%€78k▲ 761%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 744% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €319k
Fixed assets
€162k▼ 0.8%
Current assets
€157k▲ 125%
Equity and liabilities €319k
Equity
€244k▲ 46.9%
Debt
€75k▲ 12.1%
The debt ratio falls from 28.8% to 23.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€121k▲
2023 · €24k
Cash flow
€92k▲
2023 · €21k
Solvency
76.4%▲
2023 · 71.2%
Current ratio
2.53▲
2023 · 1.43
Quick ratio
2.35▲
2023 · 1.20
Debt / equity
0.31▼
2023 · 0.41
ROE
31.9%▲
2023 · 5.5%
ROA
24.4%▲
2023 · 3.9%
Interest coverage
82.62▲
2023 · 16.46
Debt
€75k▲
2023 · €67k
Debt ≤ 1 year
€62k▲
2023 · €49k
Debt > 1 year
€13k▼
2023 · €18k
Income taxes
€27k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€233k€319k▲
Fixed assets21/28€164k€162k▼
Intangible fixed assets21€3k€3k▼
Tangible fixed assets22/27€160k€160k▼
Land and buildings22€120k€120k=
Plant, machinery and equipment23€39k€38k▼
Furniture and vehicles24€886€1k▲
Current assets29/58€70k€157k▲
Stocks and contracts in progress3€11k€11k=
Stocks30/36€11k€11k=
Amounts receivable within one year40/41€31k€46k▲
Trade receivables40€26k€35k▲
Other amounts receivable41€5k€11k▲
Current investments50/53€22k€94k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€233k€319k▲
Equity10/15€166k€244k▲
Contributions10/11€19k€19k=
Reserves13€6k€6k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€141k€219k▲
Amounts payable17/49€67k€75k▲
Amounts payable after more than one year17€18k€13k▼
Financial debts170/4€18k€13k▼
Amounts payable within one year42/48€49k€62k▲
Current portion of amounts payable after more than one year42€11k€21k▲
Financial debts43€0€3k▲
Credit institutions430/8€0€3k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€16k€27k▲
Taxes450/3€14k€14k▲
Remuneration and social security454/9€2k€13k▲
Other amounts payable47/48€19k€7k▼
Accrued charges and deferred income492/3€921€536▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€891€521▼
Non-recurring operating charges66A€0-
Gross operating margin9900€25k€121k▲
Operating profit (loss)9901€13k€106k▲
Financial income75/76B€5€28▲
Recurring financial income75€5€28▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€11k€105k▲
Income taxes67/77€2k€27k▲
Profit (loss) for the period9904€9k€78k▲
Profit (loss) for the period to be appropriated9905€9k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€219k▲
Profit (loss) brought forward from the previous period14P€130k€141k▲
Transfer from equity791/2€2k€0▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €78k ▲761%
Operating result €106k, net result €78k, both a record.
31-12
Financial
Equity above €200kEq €244k ▲46.9%
7 profitable years in a row build equity to €244k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €157k ▲37.7%
5 profitable years in a row build equity to €157k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €114k ▲33.1%
4 profitable years in a row build equity to €114k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €9k ▼24.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Péruwelz · 1 establishment unit since 2015
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.
Rue de Tournai(CAL) 747604 PéruwelzGround area
3,790 m²
Building footprint
269 m²
Volume, LiDAR
1,453 m³
Parcel 57016A0237/00D000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEM CONSULTING
since 20152.248.156.726
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57016A0237/00D000 | Wallonia | 3,790 m² | 1 · 269 m² | 7.7 m · 2 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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GODERIS WILLY
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2015
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43212Electrical installation work in industrial facilities
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.