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JNAT Consulting

Active
Private limited company·Overige zakelijke dienstverlening, neg· 5 yrs active
Rue Chapeau de Curé(NAL) 11 ·6120 Ham-sur-Heure-Nalinnes, Belgium
KBO/BCE: BE 0762.876.096
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JNAT Consulting is 0.9% (low). The 2024 annual accounts show equity of €72k and a net result of €76k. Equity is growing by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 3174 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend
Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 22-05-2025 70 d early 2025-00109957
31-12-2023 31-07-2024 27-06-2024 34 d early 2024-00184439
31-12-2022 31-07-2023 23-08-2023 23 d late 2023-00348403
31-12-2021 31-07-2022 20-06-2022 41 d early 2022-20082520

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.9% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€216k+23.6%
EBIT margin44.2%+11.4pp
Net result€76k+66.0%
Working capital€90k+39.3%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 22-05-2025 with the NBB · fiscal year 2024 · micro
€0€100k€200kRevenue 2021: €140k€140kOperating result 2021: €24k€24kNet result 2021: €19k€19kRevenue 2022: €144k€144kOperating result 2022: €20k€20kNet result 2022: €16k€16kRevenue 2023: €175k€175kOperating result 2023: €57k€57kNet result 2023: €46k€46kRevenue 2024: €216k€216kOperating result 2024: €96k€96kNet result 2024: €76k€76k2021202220232024
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~53.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€100k€200k€300k2025: €110k (€104k - €116k)2026: €169k (€163k - €175k)2027: €259k (€253k - €264k)2021: €20k2022: €36k2023: €46k2024: €72k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 42.9% 53.8%
better than 40% of 3174 sector peers
Net result €76k €18k
better than 88% of 3173 sector peers
Equity €72k €40k
better than 66% of 3176 sector peers
Gross operating margin €97k €36k
better than 82% of 3173 sector peers
Total assets €169k €93k
better than 71% of 3179 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P40
2021: P63 · n=8992022: P52 · n=17632023: P42 · n=25572024: P40 · n=31742021 2024
Weakening position over 2021-2024 · n=899-3174
Net result P88
2021: P58 · n=8962022: P53 · n=17592023: P77 · n=25532024: P88 · n=31732021 2024
Improving position over 2021-2024 · n=896-3173
Equity P66
2021: P40 · n=9022022: P56 · n=17652023: P58 · n=25582024: P66 · n=31762021 2024
Improving position over 2021-2024 · n=902-3176
Gross operating margin P82
2021: P46 · n=8922022: P40 · n=17572023: P67 · n=25512024: P82 · n=31732021 2024
Improving position over 2021-2024 · n=892-3173
Describes the position versus peers, not a forecast.
Revenue
€216k
+23.6% 21-24
EBITDA
€96k
+66.1% 21-24
Net profit
€76k
+66.0% 21-24
Cash flow
€76k
+65.6% 21-24
Total assets
€169k
+53.0% 21-24
Equity
€72k
+55.7% 21-24
Working capital
€90k
+39.3% 21-24
Income taxes
€20k
+71.5% 21-24
Dividends
€50k
+42.9% 21-24
Debt
€96k
+51.1% 21-24
Debt ≤ 1y
€78k
+74.0% 21-24
Current ratio
2.16
-11.8% 21-24
Quick ratio
1.46
+18.4% 21-24
Solvency
42.9%
+1.7% 21-24
Debt / equity
1.33
-2.9% 21-24
ROE
104.9%
+6.6% 21-24
ROA
45.0%
+8.5% 21-24
Net margin
35.1%
+34.3% 21-24
EBITDA margin
44.3%
+34.4% 21-24
Interest coverage
2084.96
+51.7% 21-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue€216k
EBITDA€96k
Net profit€76k
Cash flow€76k
Staff costs-
Income taxes€20k
Dividends€50k
Total assets€169k
Equity€72k
Debt€96k
of which ≤ 1y€78k
of which > 1y-
Working capital€90k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.16
Quick ratio1.46
Working capital ratio53.7%
Solvency42.9%
Debt / equity1.33
Long-term debt ratio-
Interest coverage2084.96
Gross margin-
Net margin35.1%
ROA45.0%
ROE104.9%
EBITDA margin44.3%
Days sales outstanding46d
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€169k
Fixed assets 21/28€122
Tangible fixed assets 22/27€22
Financial fixed assets 28€100
Current assets 29/58€168k
Stocks & contracts in progress 3€54k
Amounts receivable within one year 40/41€53k
Cash & bank 54/58€61k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€169k
Equity 10/15€72k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€71k
Amounts payable 17/49€96k
Amounts payable within one year 42/48€78k
Trade debts payable within one year 44€3k
Income statement
Turnover 70€216k
Gross operating margin 9900€97k
Operating result 9901€96k
Financial income 75€500
Financial charges 65€46
Result before taxes 9903€96k
Income taxes 67/77€20k
Net result for the period 9904€76k
Result to be appropriated 9905€76k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
100 / 100 Excellent
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
Ham-sur-Heure-Nalinnes exact location from the address register

Establishment units

1 location
JNAT Consulting
Rue des Pinsons 15, 6001 CharleroiHoldings
since 20212.313.688.540
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,310 m²
Buildings2
Building footprint308 m²
Volume (LiDAR)2,037 m³
Tallest building9.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56452A0645/00A013 Wallonia 1,484 m² 1 · 117 m² 9.2 m · 2 fl.
52392C0756/00S016 Wallonia 826 m² 1 · 191 m² 9.0 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
Address history · 1
16-04-2025
Registered-office move
All acts · 1 updated 1 year ago
2025
16-04-2025 Registered office moved from MARCINELLE to Nalinnes Registered-office change
  • Rue des Pinsons 15 à 6001 MARCINELLE → rue Chapeau du Curé, 11 à 6120 Nalinnes

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency87Growth80Stability94
92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 87
Growth 80
Stability 94

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR JNAT Consulting
Registered office
Rue Chapeau de Curé(NAL) 11
6120 Ham-sur-Heure-Nalinnes, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.