JOLY CONSULT
ActiveJOLY CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-173k) and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 5% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2025Age of the figures
Age of the figures
15 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-173k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
6 d early
2023
1 d early
2022
20 d early
2021
3 d late
2020
1 d late
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k▲ 99.8%
2024 · €-889k
2019: €3k
2020: €2k
2021: €3k
2022: €4k
2024: €-889k
2019 → 2025
Working capital
€-171k▼ 0.6%
2024 · €-170k
2019: €-172k
2020: €-170k
2021: €-168k
2022: €-164k
2023: €-164k
2024: €-170k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€714k-€718k▲ 0.5%€717k=€-172k€-173k▼ 1.0%
Operating result€9k-€7k▼ 21.3%€7k▼ 6.2%€-3k€-1k▲ 55.6%
Net result€3k-€4k▲ 6.2%€-889k€-2k▲ 99.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €3k in 2024; the loss shrinks.
Key figures and ratios
Debt
€174k▲
2024 · €172k
Debt ≤ 1 year
€172k▲
2024 · €171k
Ratios withheld: a balance sheet total of €571 is too small for a meaningful ratio.
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€725€571▼
Current assets29/58€725€571▼
Amounts receivable within one year40/41€406€149▼
Trade receivables40-€149
Other amounts receivable41€406-
Cash at bank and in hand54/58€319€422▲
Equity and liabilities
Total equity and liabilities10/49€725€571▼
Equity10/15€-172k€-173k▼
Contributions10/11€325k€325k=
Reserves13€368k€368k=
Distributable reserves133€368k€368k=
Profit (loss) carried forward14€-864k€-866k▼
Amounts payable17/49€172k€174k▲
Amounts payable within one year42/48€171k€172k▲
Trade debts44-€865
Suppliers440/4-€865
Other amounts payable47/48€171k€171k=
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Other operating charges640/8€960-
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-3k€-1k▲
Financial charges65/66B€886k€304▼
Recurring financial charges65€886k€304▼
Profit (loss) for the period before taxes9903€-889k€-2k▲
Profit (loss) for the period9904€-889k€-2k▲
Profit (loss) for the period to be appropriated9905€-889k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-864k€-866k▼
Profit (loss) brought forward from the previous period14P€25k€-864k▼
The notes to these accounts (1 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
25-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-889k ▼25479%
Net result drops to €-889k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2019net €4k ▲6.2%
Net result €4k, the highest in the series.
03-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 1 day late
2020
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Châtelet · 1 establishment unit since 2004
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.
Place du Perron 8 et 96200 ChâteletGround area
4,523 m²
Building footprint
1,488 m²
Volume, LiDAR
6,046 m³
Parcel 52012A0978/00F000, Wallonia · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOLY CONSULT
since 20042.139.100.913
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A0978/00F000indicative | Wallonia | 4,523 m² | 1 · 1,488 m² | 11.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 31,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2004
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pierre.joly@swing.be
Phone:0475/411025