JK Consultancy is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €102k and a net result of €-7k. Equity is growing by ~75% per year across the filed fiscal years. Its solvency ranks better than 79% of 8018 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
8 d early
2022
1 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▼ 6.6%
2024 · €110k
2022: €26k
2023: €27k
2024: €110k
2022 → 2025
Net result
€-7k
2024 · €82k
2022: €11k
2023: €2k
2024: €82k
2022 → 2025
Total assets
€125k▼ 5.2%
2024 · €132k
2022: €64k
2023: €35k
2024: €132k
2022 → 2025
Solvency
82.0%▼ 1.2pp
2024 · 83.3%
2022: 40.4%
2023: 79.0%
2024: 83.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€27k▲ 6.8%€110k▲ 300%€102k▼ 6.6%
Operating result€13k-€3k▼ 78.8%€104k▲ 3,554%€-7k
Net result€11k-€2k▼ 83.6%€82k▲ 4,588%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €104k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €125k
Equity
€102k▼ 6.6%
Debt
€22k▲ 1.8%
The debt ratio rises from 16.7% to 18.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
82.0%▼
2024 · 83.3%
ROE
-7.1%▼
2024 · 75.0%
ROA
-5.8%▼
2024 · 62.4%
Debt
€22k▲
2024 · €22k
Debt ≤ 1 year
€22k▲
2024 · €22k
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€132k€125k▼
Current assets29/58€132k€125k▼
Amounts receivable within one year40/41€98k€99k▲
Trade receivables40€98k€88k▼
Other amounts receivable41€355€11k▲
Cash at bank and in hand54/58€33k€26k▼
Equity and liabilities
Total equity and liabilities10/49€132k€125k▼
Equity10/15€110k€102k▼
Contributions10/11€15k€15k=
Reserves13€94k€87k▼
Distributable reserves133€94k€87k▼
Profit (loss) carried forward14€653-
Amounts payable17/49€22k€22k▲
Amounts payable within one year42/48€22k€22k▲
Trade debts44-€444
Suppliers440/4-€444
Taxes, remuneration and social security45€22k€22k=
Taxes450/3€22k€22k=
Other amounts payable47/48€435€391▼
Income statement
Code20242025
Other operating charges640/8€118€919▲
Gross operating margin9900€104k€-7k▼
Operating profit (loss)9901€104k€-7k▼
Financial income75/76B-€275
Recurring financial income75-€275
Financial charges65/66B€44€45▲
Recurring financial charges65€44€45▲
Profit (loss) for the period before taxes9903€104k€-7k▼
Income taxes67/77€22k-
Profit (loss) for the period9904€82k€-7k▼
Profit (loss) for the period to be appropriated9905€82k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€-7k▼
Profit (loss) brought forward from the previous period14P€442€653▲
Transfer from equity791/2-€7k
Transfer to equity691/2€82k-
To other reserves6921€82k-
The notes to these accounts (1 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼109%
Net result drops to €-7k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2022net €82k ▲4588%
Operating result €104k, net result €82k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲300%
3 profitable years in a row build equity to €110k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.75
Current ratio from 1.68 to 4.75; short-term debt falls from €38k to €7k.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-11-2025
Filip KEGELS: Resigned as Director
14-02-2025
Jan Kegels: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2021
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.
Bist 432180 AntwerpenGround area
687 m²
Building footprint
91 m²
Volume, LiDAR
896 m³
Parcel 11364F0132/00S003, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JK Consultancy
since 20212.326.959.625
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11364F0132/00S003 | Flanders | 687 m² | 1 · 91 m² | 12.2 m · 3 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.
Similar companies · same sector, comparable size
ZirconfleX
BE 0738.677.170
Mol · Eq €102k
LIMNEOS CONSULTING
BE 0745.663.546
Genk · Eq €102k
« Bymc »
BE 0707.958.557
Sint-Pieters-Woluwe · Eq €102k
Julode
BE 1007.398.151
Lint · Eq €102k
TRANSKAT
BE 0893.525.495
Mol · Eq €102k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.