JG EXPERTS
ActiveSummary
JG EXPERTS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€42,413) and a net result of €18,481. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 12% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+24
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.65 against 0.35 in 2024; short-term debt: 154.1% and cash: 8.2% of total assets), and equity is negative.
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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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-54.1%
Return on assets
23.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 18537 sector peers (2025).
NBB · sector comparisonPosition among 18537 sector peers
Solvency
better than 12%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
71 d early
2024
118 d early
2023
85 d early
2022
125 d early
2021
90 d early
2020
61 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 79 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€42,413▲ 30.3%
2024 · -€60,895
Total assets
€78,332▲ 139%
2024 · €32,718
Net result
€18,481▲ 308%
2024 · €4,529
Working capital
-€42,413▲ 30.3%
2024 · -€60,895
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,964▼ 53.7%-€2,679€17,284€4,770▼ 72.4%€18,215▲ 282%
Net result€21,514within the sector's middle half▼ 53.6%-€2,778within the sector's middle half€17,090within the sector's middle half€4,529within the sector's middle half▼ 73.5%€18,481within the sector's middle half▲ 308%
Equity-€79,736below the sector's middle half▲ 21.2%-€82,514below the sector's middle half▼ 3.5%-€65,424below the sector's middle half▲ 20.7%-€60,895below the sector's middle half▲ 6.9%-€42,413below the sector's middle half▲ 30.3%
Total assets€3,107below the sector's middle half▼ 86.2%€641below the sector's middle half▼ 79.4%€5,965below the sector's middle half▲ 830%€32,718below the sector's middle half▲ 449%€78,332within the sector's middle half▲ 139%
Debt€82,843▼ 33.1%€83,155▲ 0.4%€71,389▼ 14.2%€93,612▲ 31.1%€120,746▲ 29.0%
Working capital-€79,736▲ 21.4%-€82,514▼ 3.5%-€65,424▲ 20.7%-€60,895▲ 6.9%-€42,413▲ 30.3%
Solvency-186.1%below the sector's middle half-54.1%below the sector's middle half▲ 132.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 282% above 2024.
Key figures and ratios
Current ratio
0.65▲
2024 · 0.35
Debt to equity
-2.85▼
2024 · -1.54
ROA
23.6%▲
2024 · 13.8%
Debt ≤ 1 year
€120,746▲
2024 · €93,612
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,639 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €190 | €0 | - | - | - | - |
| Other operating charges640/8 | €513 | €460 | €569 | €513 | €832 | ▲ 62.1% |
| Gross operating margin9900 | €22,668 | -€2,220 | €17,853 | €5,283 | €19,047 | ▲ 261% |
| Operating profit (loss)9901 | €21,964 | -€2,679 | €17,284 | €4,770 | €18,215 | ▲ 282% |
| Financial income75/76B | - | €1 | €0 | - | €421 | - |
| Recurring financial income75 | - | €1 | €0 | - | €421 | - |
| Financial charges65/66B | €450 | €100 | €193 | €241 | €154 | ▼ 35.9% |
| Recurring financial charges65 | €450 | €100 | €193 | €241 | €154 | ▼ 35.9% |
| Profit (loss) for the period before taxes9903 | €21,514 | -€2,778 | €17,090 | €4,529 | €18,481 | ▲ 308% |
| Profit (loss) for the period9904 | €21,514 | -€2,778 | €17,090 | €4,529 | €18,481 | ▲ 308% |
| Profit (loss) for the period to be appropriated9905 | €21,514 | -€2,778 | €17,090 | €4,529 | €18,481 | ▲ 308% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,107 | €641 | €5,965 | €32,718 | €78,332 | ▲ 139% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Current assets29/58 | €3,107 | €641 | €5,965 | €32,718 | €78,332 | ▲ 139% |
| Amounts receivable within one year40/41 | €131 | €587 | €0 | €3,906 | €71,495 | ▲ 1,730% |
| Trade receivables40 | €0 | - | - | €3,906 | €52,016 | ▲ 1,232% |
| Other amounts receivable41 | €131 | €587 | €0 | - | €19,479 | - |
| Cash at bank and in hand54/58 | €2,976 | €54 | €5,965 | €5,142 | €6,416 | ▲ 24.8% |
| Deferred charges and accrued income490/1 | - | - | - | €23,670 | €421 | ▼ 98.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,107 | €641 | €5,965 | €32,718 | €78,332 | ▲ 139% |
| Equity10/15 | -€79,736 | -€82,514 | -€65,424 | -€60,895 | -€42,413 | ▲ 30.3% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | -€104,736 | -€107,514 | -€90,424 | -€85,895 | -€67,413 | ▲ 21.5% |
| Amounts payable17/49 | €82,843 | €83,155 | €71,389 | €93,612 | €120,746 | ▲ 29.0% |
| Amounts payable within one year42/48 | €82,843 | €83,155 | €71,389 | €93,612 | €120,746 | ▲ 29.0% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Trade debts44 | €114 | €427 | €36 | €1,936 | €3,017 | ▲ 55.8% |
| Suppliers440/4 | €114 | €427 | €36 | €1,936 | €3,017 | ▲ 55.8% |
| Advances received on contracts in progress46 | €0 | - | - | €23,670 | €50,000 | ▲ 111% |
| Taxes, remuneration and social security45 | €0 | - | €3,624 | €277 | €0 | ▼ 100% |
| Taxes450/3 | €0 | - | €3,624 | €277 | €0 | ▼ 100% |
| Other amounts payable47/48 | €82,729 | €82,729 | €67,729 | €67,729 | €67,729 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,514 | -€2,778 | €17,090 | €4,529 | €18,481 | ▲ 308% |
| + Depreciation and write-downs630 | €190 | €0 | - | - | - | - |
| Operating cash flow (approximation) | €21,704 | -€2,778 | €17,090 | €4,529 | €18,481 | ▲ 308% |
| Change in cash | - | -€2,922 | €5,910 | -€823 | €1,275 | ▲ 255% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17,090
Net result €17,090 after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €46,354 ▲199%
Operating result €47,410, net result €46,354, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15,527
Net result €15,527 after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Knokke-Heist · 1 establishment unit since 2016
Ground area
831 m²
Building footprint
128 m²
Volume, LiDAR
880 m³
Parcel 31333H0562/00W000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JG Experts
since 20162.254.873.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0562/00W000 | Flanders | 831 m² | 1 · 128 m² | 9.6 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.
Similar companies · same sector and region
ANTIQUE CITY
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BOON ART GALLERY
BE 0651.903.643
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CNUVAN
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DECOCK-RE
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,436 companies in sector 47791 we hold annual accounts for 457. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47791Retail sale of antiques
47551Retail sale of household furniture
47552Retail sale of lighting equipment
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0656987433
Also
9925:BE0656987433
Registered
20-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.