JL Consultancy
ActiveJL Consultancy has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €808k and a net result of €-9k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 14.68 against 7.38 in 2024), and 30.2% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
69.8%
Return on assets
-0.8%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
7 d early
2022
3 d early
2021
3 d late
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€808k▼ 16.6%
2024 · €969k
2019: €105k
2020: €118k
2021: €161k
2022: €196k
2023: €224k
2024: €969k
2019 → 2025
Total assets
€1.16M▼ 18.5%
2024 · €1.42M
2019: €246k
2020: €241k
2021: €271k
2022: €312k
2023: €322k
2024: €1.42M
2019 → 2025
Net result
€-9k
2024 · €764k
2019: €23k
2020: €17k
2021: €43k
2022: €92k
2023: €36k
2024: €764k
2019 → 2025
Working capital
€607k▼ 25.0%
2024 · €809k
2019: €54k
2020: €50k
2021: €69k
2022: €84k
2023: €65k
2024: €809k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€196k▲ 21.4%€224k▲ 14.3%€969k▲ 333%€808k▼ 16.6%
Operating result€67k-€121k▲ 80.8%€18k▼ 85.3%€-92k€-6k▲ 93.6%
Net result€43k-€92k▲ 111%€36k▼ 61.2%€764k▲ 2,048%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €92k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€506k▲ 4.8%
Current assets
€651k▼ 30.4%
Equity and liabilities €1.16M
Equity
€808k▼ 16.6%
Debt
€349k▼ 22.4%
The debt ratio falls from 31.7% to 30.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€19k▲
2024 · €-25k
Cash flow
€16k▼
2024 · €830k
Solvency
69.8%▲
2024 · 68.3%
Current ratio
14.68▲
2024 · 7.38
Quick ratio
14.68▲
2024 · 7.38
Debt / equity
0.43▼
2024 · 0.46
ROE
-1.1%▼
2024 · 78.8%
ROA
-0.8%▼
2024 · 53.8%
Interest coverage
1.25▲
2024 · -3.05
Debt
€349k▼
2024 · €450k
Debt ≤ 1 year
€44k▼
2024 · €127k
Debt > 1 year
€305k▼
2024 · €323k
Income taxes
€603▼
2024 · €77k
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€1.42M€1.16M▼
Fixed assets21/28€483k€506k▲
Tangible fixed assets22/27€483k€506k▲
Land and buildings22€427k€417k▼
Furniture and vehicles24€56k€61k▲
Other tangible fixed assets26-€28k
Current assets29/58€936k€651k▼
Amounts receivable within one year40/41€39k€51k▲
Trade receivables40€39k€40k▲
Other amounts receivable41-€11k
Current investments50/53€500k€0▼
Cash at bank and in hand54/58€393k€596k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.16M▼
Equity10/15€969k€808k▼
Contributions10/11€6k€6k=
Reserves13€963k€802k▼
Tax-exempt reserves132€2k€2k=
Distributable reserves133€961k€800k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€450k€349k▼
Amounts payable after more than one year17€323k€305k▼
Financial debts170/4€323k€305k▼
Amounts payable within one year42/48€127k€44k▼
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€73k€23k▼
Taxes450/3€73k€23k▼
Other amounts payable47/48€32k€0▼
Accrued charges and deferred income492/3€547€300▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€25k▼
Other operating charges640/8€6k€4k▼
Non-recurring operating charges66A€40k€3k▼
Gross operating margin9900€21k€26k▲
Operating profit (loss)9901€-92k€-6k▲
Financial income75/76B€941k€13k▼
Recurring financial income75€15k€13k▼
Non-recurring financial income76B€925k€0▼
Financial charges65/66B€8k€15k▲
Recurring financial charges65€8k€15k▲
Profit (loss) for the period before taxes9903€841k€-8k▼
Income taxes67/77€77k€603▼
Profit (loss) for the period9904€764k€-9k▼
Profit (loss) for the period to be appropriated9905€764k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€764k€-9k▼
Transfer from equity791/2€19k€161k▲
Transfer to equity691/2€764k€0▼
To other reserves6921€764k€0▼
Profit to be distributed694/7€19k€152k▲
Return on contributions (dividend)694€19k€152k▲
The notes to these accounts (13 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-9k ▼101%
Net result drops to €-9k, the lowest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €764k ▲2048%
Net result €764k, the highest in the series.
31-03
Financial
Liquidity triplescurrent ratio 7.38
Current ratio from 2.43 to 7.38.
31-03
Financial
Equity above €500kEq €969k ▲333%
6 profitable years in a row build equity to €969k.
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €200kEq €224k ▲14.3%
5 profitable years in a row build equity to €224k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Equity above €150kEq €161k ▲36.8%
3 profitable years in a row build equity to €161k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lokeren · 1 establishment unit since 2013
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.
Vierschaarstraat 429160 LokerenGround area
1,379 m²
Building footprint
152 m²
Parcel 46382B0673/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Vierschaarstraat 42, 9160 Lokeren
since 20132.218.434.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B0673/00L000 | Flanders | 1,379 m² | 1 · 152 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 4,953 EUR awarded · 4,953 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 243 EUR | 243 EUR |
| 2023 | 1 | 1,470 EUR | 1,470 EUR |
| 2022 | 1 | 3,240 EUR | 3,240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 9,599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2013
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.