JoKef Consulting
ActiveJoKef Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €9k. Equity is shrinking by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 7% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 7%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
3 d early
2023
8 d early
2022
on the day
2021
11 d early
2020
18 d early
2019
24 d early
← 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
€1k=
2024 · €1k
2019: €2k
2020: €9k
2021: €22k
2022: €4k
2023: €1k
2024: €1k
2019 → 2025
Total assets
€36k▼ 49.3%
2024 · €70k
2019: €12k
2020: €16k
2021: €42k
2022: €23k
2023: €72k
2024: €70k
2019 → 2025
Net result
€9k▼ 75.0%
2024 · €36k
2019: €588
2020: €8k
2021: €13k
2022: €3k
2023: €43k
2024: €36k
2019 → 2025
Working capital
€-7k
2024 · €6k
2019: €2k
2020: €8k
2021: €32k
2022: €11k
2023: €9k
2024: €6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€4k▼ 82.6%€1k▼ 74.1%€1k=€1k=
Operating result€19k-€7k▼ 60.5%€59k▲ 695%€49k▼ 17.3%€18k▼ 64.2%
Net result€13k-€3k▼ 77.9%€43k▲ 1,400%€36k▼ 15.7%€9k▼ 75.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€8k▲ 58.6%
Current assets
€27k▼ 58.2%
Equity and liabilities €36k
Equity
€1k=
Debt
€35k▼ 50.0%
The debt ratio falls from 98.6% to 97.2%. Debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €51k
Cash flow
€12k▼
2024 · €38k
Solvency
2.8%▲
2024 · 1.4%
Current ratio
0.78▼
2024 · 1.10
Quick ratio
0.78▼
2024 · 1.10
Debt / equity
34.57▼
2024 · 69.13
ROE
904.9%
ROA
25.4%▼
2024 · 51.7%
Interest coverage
16.91▼
2024 · 35.26
Debt
€35k▼
2024 · €69k
Debt ≤ 1 year
€35k▼
2024 · €59k
Debt > 1 year
€0▼
2024 · €10k
Income taxes
€7k▼
2024 · €11k
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€70k€36k▼
Fixed assets21/28€5k€8k▲
Tangible fixed assets22/27€5k€8k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€4k€5k▲
Other tangible fixed assets26€1k€2k▲
Current assets29/58€65k€27k▼
Amounts receivable within one year40/41€14k€13k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€381€413▲
Cash at bank and in hand54/58€49k€14k▼
Deferred charges and accrued income490/1€2k€201▼
Equity and liabilities
Total equity and liabilities10/49€70k€36k▼
Equity10/15€1k€1k=
Contributions10/11€1k€1k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€69k€35k▼
Amounts payable after more than one year17€10k€0▼
Financial debts170/4€10k€0▼
Amounts payable within one year42/48€59k€35k▼
Current portion of amounts payable after more than one year42-€10k
Financial debts43-€451
Credit institutions430/8-€451
Trade debts44€2k€965▼
Suppliers440/4€2k€965▼
Taxes, remuneration and social security45€16k€7k▼
Taxes450/3€15k€7k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€41k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€53k€22k▼
Operating profit (loss)9901€49k€18k▼
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€48k€16k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€36k€9k▼
Profit (loss) for the period to be appropriated9905€36k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€9k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€36k€9k▼
Return on contributions (dividend)694€36k€9k▼
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €43k ▲1400%
Operating result €59k, net result €43k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mortsel · 1 establishment unit since 2019
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.
Eduard Arsenstraat 882640 MortselGround area
269 m²
Building footprint
78 m²
Volume, LiDAR
446 m³
Parcel 11513C0094/00G013, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JoKef Consulting
since 20192.295.267.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0094/00G013 | Flanders | 269 m² | 1 · 78 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 510 EUR awarded · 510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 300 EUR | 300 EUR |
| 2023 | 1 | 105 EUR | 105 EUR |
| 2022 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900GP4O1DXXT00T98
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2019
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.