JFDS Conseil
ActiveSummary
JFDS Conseil has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €69k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency92▼-8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 7.54 in 2024; short-term debt: 32% and cash: 91.1% of total assets), and 32.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
67.3%
Return on assets
22.2%
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 18-05-2026, 74 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
74 d early
2024
71 d early
2023
62 d early
2022
55 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 3.2%
2024 · €203k
2022: €39k
2023: €140k
2024: €203k
2022 → 2025
Total assets
€311k▲ 33.8%
2024 · €233k
2022: €63k
2023: €206k
2024: €233k
2022 → 2025
Net result
€69k▲ 10.2%
2024 · €63k
2022: €34k
2023: €102k
2024: €63k
2022 → 2025
Working capital
€202k▲ 4.1%
2024 · €194k
2022: €39k
2023: €140k
2024: €194k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€39k-€140k▲ 263%€203k▲ 44.8%€210k▲ 3.2%
Operating result€46k-€146k▲ 214%€80k▼ 45.1%€97k▲ 21.5%
Net result€34k-€102k▲ 202%€63k▼ 38.2%€69k▲ 10.2%
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 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311k
Fixed assets
€10k ▲ 6.5%
Current assets
€301k ▲ 34.9%
Equity and liabilities €311k
Equity
€210k ▲ 3.2%
Debt
€102k ▲ 244%
Debt's share of the balance-sheet total rises from 12.7% to 32.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €80k
Cash flow
€70k▲
2024 · €63k
Current ratio
3.02▼
2024 · 7.54
Debt to equity
0.49▲
2024 · 0.15
ROE
33.0%▲
2024 · 30.9%
ROA
22.2%▼
2024 · 27.0%
Interest coverage
28.93▲
2024 · 26.47
Debt ≤ 1 year
€100k▲
2024 · €30k
Income taxes
€28k▲
2024 · €18k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€233k€311k▲
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€9k€10k▲
Other tangible fixed assets26€9k€10k▲
Current assets29/58€223k€301k▲
Amounts receivable within one year40/41€10k€16k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€0-
Current investments50/53€125k€0▼
Cash at bank and in hand54/58€86k€284k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€233k€311k▲
Equity10/15€203k€210k▲
Contributions10/11€5k€5k=
Reserves13€198k€205k▲
Distributable reserves133€198k€205k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€30k€102k▲
Amounts payable within one year42/48€30k€100k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€26k€34k▲
Taxes450/3€26k€34k▲
Other amounts payable47/48-€63k
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€355€1k▲
Other operating charges640/8-€400
Gross operating margin9900€80k€99k▲
Operating profit (loss)9901€80k€97k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€81k€97k▲
Income taxes67/77€18k€28k▲
Profit (loss) for the period9904€63k€69k▲
Profit (loss) for the period to be appropriated9905€63k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€69k▲
Transfer from equity791/2-€63k
Transfer to equity691/2€63k€69k▲
To other reserves6921€63k€69k▲
Profit to be distributed694/7-€63k
Return on contributions (dividend)694-€63k
The notes to these accounts (5 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 7.54
Current ratio from 3.12 to 7.54; short-term debt falls from €66k to €30k.
31-12
Financial
Equity above €200kEq €203k ▲44.8%
3 profitable years in a row build equity to €203k.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €102k ▲202%
Operating result €146k, net result €102k, both a record.
31-12
Financial
Equity above €100kEq €140k ▲263%
2 profitable years in a row build equity to €140k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Huy · 1 establishment unit since 2022
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 Bonne Espérance 424500 HuyGround area
2,399 m²
Building footprint
144 m²
Volume, LiDAR
785 m³
Parcel 61061B0015/00X000, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JFDS Conseil
since 20222.332.894.540
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061B0015/00X000 | Wallonia | 2,399 m² | 1 · 144 m² | 7.6 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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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,468 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
Founded28-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
64210Activities of holding companies
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.