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Jo Bernar Consulting

Active
Private limited companyfounded 2021active for 5 yearsKapelstraat 5, 3290 Diest, BelgiumKBO/BCE: BE 0767.429.851
Summary

Jo Bernar Consulting has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,338 and a net result of €9,442. Equity has been growing by about 9.7% per year since 2022. Its solvency ranks better than 62% of 39,272 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 23-04-2021 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.316.329.217 3290 Diest, since 23-04-2021
Financial year end
31 December
Peppol
Reachable since 06-03-2025

Board and ownership

Board
  • Bernar JoDirector · since 23-04-2021

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€30,622
▲ 31.2%
Turnover
≈ €89,000
estimated
Profit
€9,442
▲ 419%
Equity
€52,338
▼ 3.4%
Total assets
€78,192
▲ 7.9%
Score breakdownlowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 1.51, cash €16,308Figures for financial year 2025 (filed on 29-06-2026)Equity €52,338 (66.9% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency 92-8
equity 66.9% of total assets
Liquidity 62+16
short-term debt 32.9% · cash 20.9%
Profitability 84+12
return on assets 12.1%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,528 companies, NACE 70, micro)
Last 24 months 12-2024: 0.2%highest value 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.1%▼ -0.1 percentage points vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.2%▲ +0.1 percentage points vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: < 0.1%▼ -0.2 percentage points vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.51 (1.69 in 2024), above the usual 1.5. Short-term debt is 32.9% and cash 20.9% of total assets. 33.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 62% of them on solvency, 54% on liquidity, 52% on profitability and 34% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Liquidity: current ratio 1.51, cash €16,308
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-06-2026)
NBB · annual accounts
lowers risk · Equity €52,338 (66.9% of total assets)
NBB · annual accounts
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 29-06-2026, 32 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
32 days early
2024
34 days early
2023
33 days early
2022
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 33 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed General meeting · Director resignation
  2. · Gazette deed General meeting · Other provision
  3. · Gazette deed General meeting · Annual general meeting
All 11 events

Comparable companies

These companies have the same main activity as Jo Bernar Consulting: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €62,400 and €95,000, founded between 2020 and 2021.

CompanyTotal assetsGross margin
Jo Bernar Consulting Diest€78,192€30,622
Ro-am Asse€73,031€29,667
VIMA SOLUTIONS Landen€70,362€29,266
MAT AGENCY Zaventem€72,700€34,998
Amogma Tervuren€95,015€30,608
JOHN LEE BOOKER Halle€86,756€36,913
The Edge Agency Zaventem€62,420€28,935
Full comparison

Key facts about Jo Bernar Consulting

What is the company number of Jo Bernar Consulting?
The company number of Jo Bernar Consulting is 0767.429.851. The VAT number is the same number with BE in front: BE 0767.429.851.
Where is Jo Bernar Consulting based?
The registered office is at Kapelstraat 5, 3290 Diest.Company details
What does Jo Bernar Consulting do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of Jo Bernar Consulting?
The legal form of Jo Bernar Consulting is Private limited company (BV).
When was Jo Bernar Consulting founded?
Jo Bernar Consulting was founded on 23-04-2021.
Is Jo Bernar Consulting still active?
Yes, Jo Bernar Consulting is an active enterprise in the KBO register.
What is the turnover of Jo Bernar Consulting?
The turnover in financial year 2025 is ≈ €89,000. This figure is estimated from the gross margin of €30,622 and 145 comparable companies (NACE 70200). It probably lies between €52,000 and €120,000.Financials
Is Jo Bernar Consulting profitable?
In financial year 2025, Jo Bernar Consulting made a profit of €9,442.
Where can I find the annual accounts of Jo Bernar Consulting?
Jo Bernar Consulting filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Jo Bernar Consulting due?
Jo Bernar Consulting must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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