JLD Consultant
ActiveSummary
JLD Consultant has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-23k. Equity is shrinking by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 3489 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency83▲+16
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 1.65 in 2024; short-term debt: 38.6% and cash: 23% of total assets), and 42.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
Other professional, scientific and technical activities (NACE 74)
about 48% fewer 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
57.9%
Return on assets
-49%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
60 d early
2024
127 d early
2023
62 d early
2022
24 d late
2021
2 d early
2020
74 d early
2019
66 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 56.2%
2024 · €61k
2018: €18klowest in 8 years
2019: €113k▲ +535% vs 2018
2020: €171k▲ +51.7% vs 2019highest in 8 years
2021: €63k▼ -63.1% vs 2020
2022: €71k▲ +11.9% vs 2021
2023: €63k▼ -10.2% vs 2022
2024: €61k▼ -3.1% vs 2023
2025: €27k▼ -56.2% vs 2024
2018 → 2025
Total assets
€46k▼ 68.4%
2024 · €147k
2018: €25klowest in 8 years
2019: €132k▲ +437% vs 2018
2020: €181k▲ +37.1% vs 2019
2021: €200k▲ +10.7% vs 2020highest in 8 years
2022: €86k▼ -57.0% vs 2021
2023: €88k▲ +2.6% vs 2022
2024: €147k▲ +66.7% vs 2023
2025: €46k▼ -68.4% vs 2024
2018 → 2025
Net result
€-23k
2024 · €63k
2018: €-677
2019: €96k▲ +14217% vs 2018highest in 8 years
2020: €59k▼ -38.2% vs 2019
2021: €17k▼ -70.9% vs 2020
2022: €15k▼ -15.4% vs 2021
2023: €4k▼ -73.8% vs 2022
2024: €63k▲ +1559% vs 2023
2025: €-23k▼ -136% vs 2024lowest in 8 years
2018 → 2025
Working capital
€21k▼ 59.1%
2024 · €52k
2018: €17klowest in 8 years
2019: €112k▲ +570% vs 2018
2020: €170k▲ +52.3% vs 2019highest in 8 years
2021: €62k▼ -63.6% vs 2020
2022: €70k▲ +12.7% vs 2021
2023: €63k▼ -9.8% vs 2022
2024: €52k▼ -17.5% vs 2023
2025: €21k▼ -59.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€71k▲ 11.9%€63k▼ 10.2%€61k▼ 3.1%€27k▼ 56.2%
2021: €63k
2022: €71k▲ +11.9% vs 2021highest in 5 years
2023: €63k▼ -10.2% vs 2022
2024: €61k▼ -3.1% vs 2023
2025: €27k▼ -56.2% vs 2024lowest in 5 years
Operating result€25k-€21k▼ 14.6%€8k▼ 64.3%€87k▲ 1,052%€-22k
2021: €25k
2022: €21k▼ -14.6% vs 2021
2023: €8k▼ -64.3% vs 2022
2024: €87k▲ +1052% vs 2023highest in 5 years
2025: €-22k▼ -126% vs 2024lowest in 5 years
Net result€17k-€15k▼ 15.4%€4k▼ 73.8%€63k▲ 1,559%€-23k
2021: €17k
2022: €15k▼ -15.4% vs 2021
2023: €4k▼ -73.8% vs 2022
2024: €63k▲ +1559% vs 2023highest in 5 years
2025: €-23k▼ -136% vs 2024lowest in 5 years
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 €22k after €87k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€7k ▼ 51.1%
Current assets
€39k ▼ 70.4%
Equity and liabilities €46k
Equity
€27k ▼ 56.2%
Debt
€20k ▼ 77.2%
Debt's share of the balance-sheet total falls from 58.3% to 42.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-15k▼
2024 · €93k
Cash flow
€-15k▼
2024 · €69k
Current ratio
2.19▲
2024 · 1.65
Debt to equity
0.73▼
2024 · 1.40
ROE
-84.6%▼
2024 · 102.7%
ROA
-49.0%▼
2024 · 42.9%
Interest coverage
-24.78▼
2024 · 153.60
Debt ≤ 1 year
€18k▼
2024 · €80k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€285▼
2024 · €24k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€147k€46k▼
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Furniture and vehicles24€15k€7k▼
Financial fixed assets28€246€246=
Current assets29/58€132k€39k▼
Amounts receivable within one year40/41€97k€27k▼
Trade receivables40€68k€6k▼
Other amounts receivable41€29k€20k▼
Cash at bank and in hand54/58€34k€11k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€147k€46k▼
Equity10/15€61k€27k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€43k€8k▼
Amounts payable17/49€86k€20k▼
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€5k€2k▼
Amounts payable within one year42/48€80k€18k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€3k€719▼
Suppliers440/4€3k€719▼
Taxes, remuneration and social security45€18k€3k▼
Taxes450/3€18k€3k▼
Other amounts payable47/48€56k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€817€7k▲
Gross operating margin9900€94k€-8k▼
Operating profit (loss)9901€87k€-22k▼
Financial income75/76B€1k€260▼
Recurring financial income75€1k€260▼
Financial charges65/66B€604€588▼
Recurring financial charges65€604€588▼
Profit (loss) for the period before taxes9903€87k€-22k▼
Income taxes67/77€24k€285▼
Profit (loss) for the period9904€63k€-23k▼
Profit (loss) for the period to be appropriated9905€63k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€20k▼
Profit (loss) brought forward from the previous period14P€45k€43k▼
Profit to be distributed694/7€65k€12k▼
Return on contributions (dividend)694€65k€12k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €426 | €333 | €333 | €6k | €8k | ▲ 22.2% |
| Other operating charges640/8 | €448 | €629 | €692 | €817 | €7k | ▲ 727% |
| Gross operating margin9900 | €26k | €22k | €9k | €94k | €-8k | ▼ 108% |
| Operating profit (loss)9901 | €25k | €21k | €8k | €87k | €-22k | ▼ 126% |
| Financial income75/76B | - | - | €0 | €1k | €260 | ▼ 77.7% |
| Recurring financial income75 | - | - | €0 | €1k | €260 | ▼ 77.7% |
| Financial charges65/66B | €153 | €496 | €313 | €604 | €588 | ▼ 2.7% |
| Recurring financial charges65 | €153 | €496 | €313 | €604 | €588 | ▼ 2.7% |
| Profit (loss) for the period before taxes9903 | €25k | €21k | €7k | €87k | €-22k | ▼ 126% |
| Income taxes67/77 | €7k | €6k | €3k | €24k | €285 | ▼ 98.8% |
| Profit (loss) for the period9904 | €17k | €15k | €4k | €63k | €-23k | ▼ 136% |
| Profit (loss) for the period to be appropriated9905 | €17k | €15k | €4k | €63k | €-23k | ▼ 136% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €200k | €86k | €88k | €147k | €46k | ▼ 68.4% |
| Fixed assets21/28 | €1k | €719 | €386 | €15k | €7k | ▼ 51.1% |
| Tangible fixed assets22/27 | €806 | €473 | €140 | €15k | €7k | ▼ 51.9% |
| Furniture and vehicles24 | €806 | €473 | €140 | €15k | €7k | ▼ 51.9% |
| Financial fixed assets28 | €246 | €246 | €246 | €246 | €246 | = |
| Current assets29/58 | €199k | €85k | €88k | €132k | €39k | ▼ 70.4% |
| Amounts receivable within one year40/41 | €131k | €70k | €49k | €97k | €27k | ▼ 72.6% |
| Trade receivables40 | €20k | €44k | €25k | €68k | €6k | ▼ 90.8% |
| Other amounts receivable41 | €111k | €26k | €24k | €29k | €20k | ▼ 29.1% |
| Cash at bank and in hand54/58 | €67k | €15k | €39k | €34k | €11k | ▼ 68.1% |
| Deferred charges and accrued income490/1 | €875 | €37 | - | €2k | €2k | ▲ 18.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €200k | €86k | €88k | €147k | €46k | ▼ 68.4% |
| Equity10/15 | €63k | €71k | €63k | €61k | €27k | ▼ 56.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €44k | €52k | €45k | €43k | €8k | ▼ 80.6% |
| Amounts payable17/49 | €137k | €15k | €25k | €86k | €20k | ▼ 77.2% |
| Amounts payable after more than one year17 | - | - | - | €5k | €2k | ▼ 69.9% |
| Financial debts170/4 | - | - | - | €5k | €2k | ▼ 69.9% |
| Amounts payable within one year42/48 | €137k | €15k | €25k | €80k | €18k | ▼ 77.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €4k | €4k | ▲ 4.9% |
| Financial debts43 | - | - | €7k | - | - | - |
| Credit institutions430/8 | - | - | €7k | - | - | - |
| Trade debts44 | €5k | €5k | €5k | €3k | €719 | ▼ 77.0% |
| Suppliers440/4 | €5k | €5k | €5k | €3k | €719 | ▼ 77.0% |
| Taxes, remuneration and social security45 | €26k | €4k | €3k | €18k | €3k | ▼ 83.8% |
| Taxes450/3 | €26k | €4k | €3k | €18k | €3k | ▼ 83.8% |
| Other amounts payable47/48 | €106k | €6k | €9k | €56k | €11k | ▼ 81.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €15k | €4k | €63k | €-23k | ▼ 136% |
| + Depreciation and write-downs630 | €426 | €333 | €333 | €6k | €8k | ▲ 22.2% |
| Operating cash flow (approximation) | €18k | €15k | €4k | €69k | €-15k | ▼ 122% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-21k | €0 | ▲ 100% |
| Change in cash | - | €-52k | €24k | €-6k | €-23k | ▼ 314% |
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.51
Current ratio from 1.45 to 5.51; short-term debt falls from €137k to €15k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 18.26
Current ratio from 6.82 to 18.26; short-term debt falls from €19k to €10k.
31-12
Financial
Equity above €150kEq €171k ▲51.7%
2 profitable years in a row build equity to €171k.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Equity above €100kEq €113k ▲535%
Equity rises from €18k to €113k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, La Roche-en-Ardenne · 1 establishment unit since 2018
Ground area
1,817 m²
Building footprint
567 m²
Volume, LiDAR
7,526 m³
2 parcels, Brussels, Wallonia · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Louis Schmidtlaan 119, 1040 Etterbeek
since 20182.281.278.167
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0292/00X006 | Brussels | 1,253 m² | 1 · 333 m² | 29.8 m · 9 fl. |
| 83031A0234/00A002 | Wallonia | 564 m² | 1 · 235 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,564 companies in sector 74999 we hold annual accounts for 1,936. 1,393 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formLimited partnership
Founded10-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
70200Business and other management consultancy
72109Other research and development on natural sciences
Scores and ratios are computed by Checked and are not a credit decision.