JFP Consulting
ActiveJFP Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €287k and a net result of €46k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 3257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-8
Solvency45▲+11
Growth48▼-1
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.48 in 2024), and 64.3% 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 · 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
35.7%
Return on assets
5.7%
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 25-05-2026, 67 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
67 d early
2024
69 d early
2023
67 d early
2022
66 d early
2021
62 d early
2020
63 d early
2019
60 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€409k▼ 2.6%
2024 · €420k
2019: €369k
2020: €304k
2021: €387k
2022: €437k
2023: €451k
2024: €420k
2019 → 2025
EBIT margin
20.7%▲ 0.9pp
2024 · 19.8%
2019: 15.4%
2020: -2.3%
2021: 24.3%
2022: 20.2%
2023: 16.8%
2024: 19.8%
2019 → 2025
Net result
€46k▼ 7.8%
2024 · €50k
2019: €54k
2020: €-15k
2021: €54k
2022: €49k
2023: €33k
2024: €50k
2019 → 2025
Working capital
€-75k▲ 5.7%
2024 · €-80k
2019: €5k
2020: €-65k
2021: €-50k
2022: €-83k
2023: €-84k
2024: €-80k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€387k-€437k▲ 13.0%€451k▲ 3.3%€420k▼ 6.9%€409k▼ 2.6%
Equity€116k-€159k▲ 37.0%€192k▲ 20.6%€242k▲ 25.9%€287k▲ 18.9%
Operating result€94k-€88k▼ 6.0%€76k▼ 14.3%€83k▲ 9.8%€85k▲ 2.0%
Net result€54k-€49k▼ 9.3%€33k▼ 33.3%€50k▲ 51.5%€46k▼ 7.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €806k
Fixed assets
€735k▼ 3.2%
Current assets
€71k▼ 4.1%
Equity and liabilities €806k
Equity
€287k▲ 18.9%
Debt
€518k▼ 12.4%
The debt ratio falls from 71.0% to 64.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€113k▲
2024 · €112k
Cash flow
€74k▼
2024 · €79k
Solvency
35.7%▲
2024 · 29.0%
Current ratio
0.48▲
2024 · 0.48
Quick ratio
0.48▲
2024 · 0.48
Debt / equity
1.80▼
2024 · 2.45
ROE
15.9%▼
2024 · 20.6%
ROA
5.7%▼
2024 · 6.0%
Interest coverage
12.35▲
2024 · 10.93
Debt
€518k▼
2024 · €591k
Debt ≤ 1 year
€146k▼
2024 · €153k
Debt > 1 year
€373k▼
2024 · €438k
Income taxes
€29k▲
2024 · €23k
Staff costs
€163k▲
2024 · €149k
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€833k€806k▼
Fixed assets21/28€760k€735k▼
Tangible fixed assets22/27€759k€735k▼
Land and buildings22€743k€722k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€5k€5k▼
Financial fixed assets28€583€583=
Current assets29/58€74k€71k▼
Amounts receivable within one year40/41€24k€43k▲
Trade receivables40€24k€43k▲
Cash at bank and in hand54/58€40k€21k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€833k€806k▼
Equity10/15€242k€287k▲
Reserves13€178k€220k▲
Distributable reserves133€178k€220k▲
Profit (loss) carried forward14€64k€67k▲
Amounts payable17/49€591k€518k▼
Amounts payable after more than one year17€438k€373k▼
Financial debts170/4€434k€368k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€153k€146k▼
Current portion of amounts payable after more than one year42€94k€66k▼
Trade debts44€3k€12k▲
Suppliers440/4€3k€12k▲
Taxes, remuneration and social security45€55k€68k▲
Taxes450/3€36k€45k▲
Remuneration and social security454/9€20k€23k▲
Income statement
Code20242025
Turnover70€420k€409k▼
Goods, raw materials, services and sundry goods60/61€158k€132k▼
Remuneration, social security and pensions62€149k€163k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€543€542▼
Non-recurring operating charges66A€47-
Gross operating margin9900€262k€277k▲
Operating profit (loss)9901€83k€85k▲
Financial income75/76B€327€2k▲
Recurring financial income75€327€2k▲
Non-recurring financial income76B€327€2k▲
Financial charges65/66B€10k€12k▲
Recurring financial charges65€10k€9k▼
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€73k€74k▲
Income taxes67/77€23k€29k▲
Profit (loss) for the period9904€50k€46k▼
Profit (loss) for the period to be appropriated9905€50k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€109k▼
Profit (loss) brought forward from the previous period14P€64k€64k▼
Transfer to equity691/2€50k€42k▼
To other reserves6921€50k€42k▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (12 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
25-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €242k ▲25.9%
4 profitable years in a row build equity to €242k.
25-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €159k ▲37%
2 profitable years in a row build equity to €159k.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Equity above €100kEq €116k ▲87.3%
Equity rises from €62k to €116k.
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-15k ▼128%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Brugge · 2 establishment units since 2016
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.
Houtkaai 238000 BruggeGround area
4,928 m²
Building footprint
2,555 m²
Volume, LiDAR
21,819 m³
2 parcels, Flanders · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
JFP Consulting
since 20162.255.751.925
JFP Consulting
since 20182.316.471.153
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0473/00C005 | Flanders | 4,724 m² | 1 · 2,350 m² | 15.1 m · 3 fl. |
| 23094D0203/00H033 | Flanders | 205 m² | 1 · 205 m² | 11.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 227 EUR awarded · 227 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,256 companies in sector 69209 we hold annual accounts for 1,089. 795 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2016
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.