JEXPERTISE
ActiveSummary
JEXPERTISE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €14k. Equity is growing by ~61.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-16
Solvency61▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.44 in 2024; short-term debt: 32.5% and cash: 0.2% of total assets), but 63.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
36.3%
Return on assets
12%
Age of the figures
9 mo
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 26-05-2026, 66 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
66 d early
2024
21 d late
2023
6 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, micro schema
Equity
€42k▲ 49.4%
2024 · €28k
2023: €7klowest in 3 years
2024: €28k▲ +279% vs 2023
2025: €42k▲ +49.4% vs 2024highest in 3 years
2023 → 2025
Total assets
€115k▲ 108%
2024 · €55k
2023: €40klowest in 3 years
2024: €55k▲ +39.6% vs 2023
2025: €115k▲ +108% vs 2024highest in 3 years
2023 → 2025
Net result
€14k▼ 32.8%
2024 · €21k
2023: €4klowest in 3 years
2024: €21k▲ +369% vs 2023highest in 3 years
2025: €14k▼ -32.8% vs 2024
2023 → 2025
Working capital
€31k▲ 182%
2024 · €11k
2023: €12k
2024: €11k▼ -4.9% vs 2023lowest in 3 years
2025: €31k▲ +182% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7k-€28k▲ 279%€42k▲ 49.4%
2023: €7klowest in 3 years
2024: €28k▲ +279% vs 2023
2025: €42k▲ +49.4% vs 2024highest in 3 years
Operating result€9k-€29k▲ 240%€22k▼ 25.5%
2023: €9klowest in 3 years
2024: €29k▲ +240% vs 2023highest in 3 years
2025: €22k▼ -25.5% vs 2024
Net result€4k-€21k▲ 369%€14k▼ 32.8%
2023: €4klowest in 3 years
2024: €21k▲ +369% vs 2023highest in 3 years
2025: €14k▼ -32.8% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€47k ▲ 140%
Current assets
€68k ▲ 91.0%
Equity and liabilities €115k
Equity
€42k ▲ 49.4%
Debt
€73k ▲ 168%
Debt's share of the balance-sheet total rises from 49.4% to 63.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €41k
Cash flow
€33k▲
2024 · €33k
Current ratio
1.83▲
2024 · 1.44
Debt to equity
1.75▲
2024 · 0.98
ROE
33.1%▼
2024 · 73.6%
ROA
12.0%▼
2024 · 37.3%
Interest coverage
25.98▼
2024 · 43.66
Debt ≤ 1 year
€37k▲
2024 · €25k
Debt > 1 year
€36k▲
2024 · €2k
Income taxes
€6k▼
2024 · €7k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€55k€115k▲
Fixed assets21/28€20k€47k▲
Tangible fixed assets22/27€19k€47k▲
Furniture and vehicles24€13k€45k▲
Other tangible fixed assets26€6k€2k▼
Financial fixed assets28€54€54=
Current assets29/58€36k€68k▲
Amounts receivable after more than one year29-€50k
Trade receivables290-€50k
Amounts receivable within one year40/41€10k€17k▲
Trade receivables40€7k€11k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€26k€202▼
Deferred charges and accrued income490/1€89€725▲
Equity and liabilities
Total equity and liabilities10/49€55k€115k▲
Equity10/15€28k€42k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€25k€39k▲
Amounts payable17/49€27k€73k▲
Amounts payable after more than one year17€2k€36k▲
Financial debts170/4€2k€36k▲
Amounts payable within one year42/48€25k€37k▲
Current portion of amounts payable after more than one year42€17k€27k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€6k€538▼
Taxes450/3€6k€538▼
Other amounts payable47/48€850€5k▲
Accrued charges and deferred income492/3€187-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€19k▲
Other operating charges640/8€1k€689▼
Gross operating margin9900€42k€41k▼
Operating profit (loss)9901€29k€22k▼
Financial charges65/66B€943€2k▲
Recurring financial charges65€943€2k▲
Profit (loss) for the period before taxes9903€28k€20k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€21k€14k▼
Profit (loss) for the period to be appropriated9905€21k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€39k▲
Profit (loss) brought forward from the previous period14P€4k€25k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €12k | €19k | ▲ 55.5% |
| Other operating charges640/8 | €1k | €1k | €689 | ▼ 44.6% |
| Gross operating margin9900 | €15k | €42k | €41k | ▼ 2.7% |
| Operating profit (loss)9901 | €9k | €29k | €22k | ▼ 25.5% |
| Financial income75/76B | €32 | - | - | - |
| Recurring financial income75 | €32 | - | - | - |
| Financial charges65/66B | €902 | €943 | €2k | ▲ 65.6% |
| Recurring financial charges65 | €902 | €943 | €2k | ▲ 65.6% |
| Profit (loss) for the period before taxes9903 | €8k | €28k | €20k | ▼ 28.6% |
| Income taxes67/77 | €3k | €7k | €6k | ▼ 16.8% |
| Profit (loss) for the period9904 | €4k | €21k | €14k | ▼ 32.8% |
| Profit (loss) for the period to be appropriated9905 | €4k | €21k | €14k | ▼ 32.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €40k | €55k | €115k | ▲ 108% |
| Fixed assets21/28 | €17k | €20k | €47k | ▲ 140% |
| Tangible fixed assets22/27 | €17k | €19k | €47k | ▲ 140% |
| Furniture and vehicles24 | €7k | €13k | €45k | ▲ 236% |
| Other tangible fixed assets26 | €10k | €6k | €2k | ▼ 64.4% |
| Financial fixed assets28 | €54 | €54 | €54 | = |
| Current assets29/58 | €23k | €36k | €68k | ▲ 91.0% |
| Amounts receivable after more than one year29 | - | - | €50k | - |
| Trade receivables290 | - | - | €50k | - |
| Amounts receivable within one year40/41 | €16k | €10k | €17k | ▲ 75.7% |
| Trade receivables40 | €9k | €7k | €11k | ▲ 58.1% |
| Other amounts receivable41 | €7k | €3k | €6k | ▲ 125% |
| Cash at bank and in hand54/58 | €6k | €26k | €202 | ▼ 99.2% |
| Deferred charges and accrued income490/1 | €454 | €89 | €725 | ▲ 719% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €40k | €55k | €115k | ▲ 108% |
| Equity10/15 | €7k | €28k | €42k | ▲ 49.4% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €4k | €25k | €39k | ▲ 55.4% |
| Amounts payable17/49 | €32k | €27k | €73k | ▲ 168% |
| Amounts payable after more than one year17 | €21k | €2k | €36k | ▲ 1,429% |
| Financial debts170/4 | €21k | €2k | €36k | ▲ 1,429% |
| Amounts payable within one year42/48 | €11k | €25k | €37k | ▲ 50.9% |
| Current portion of amounts payable after more than one year42 | €10k | €17k | €27k | ▲ 57.8% |
| Trade debts44 | €266 | €1k | €5k | ▲ 358% |
| Suppliers440/4 | €266 | €1k | €5k | ▲ 358% |
| Taxes, remuneration and social security45 | €485 | €6k | €538 | ▼ 90.9% |
| Taxes450/3 | €485 | €6k | €538 | ▼ 90.9% |
| Other amounts payable47/48 | €440 | €850 | €5k | ▲ 472% |
| Accrued charges and deferred income492/3 | - | €187 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €21k | €14k | ▼ 32.8% |
| + Depreciation and write-downs630 | €5k | €12k | €19k | ▲ 55.5% |
| Operating cash flow (approximation) | €10k | €33k | €33k | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | €-15k | €-46k | ▼ 210% |
| Change in cash | - | €19k | €-26k | ▼ 232% |
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2023net €21k ▲369%
Operating result €29k, net result €21k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Momignies · 1 establishment unit since 2023
Ground area
1,410 m²
Building footprint
132 m²
Volume, LiDAR
831 m³
Parcel 56051B0003/00P000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEXPERTISE
since 20232.343.407.459
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56051B0003/00P000 | Wallonia | 1,410 m² | 1 · 132 m² | 8.5 m · 2 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 2,267 companies in sector 69209 we hold annual accounts for 1,098. 757 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
Founded29-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
jlnbtx@hotmail.com
Phone
+33632079593
Scores and ratios are computed by Checked and are not a credit decision.