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Generated 17-08-2026
Active BE 0816.699.913Private limited company

JOPA 4 LIFE CONSULTANCY

Oktrooiplein 1 ·9000 Gent, Belgium· 17 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

JOPA 4 LIFE CONSULTANCY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €18k and a net result of €44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 2574 sector peers (fiscal year 2023). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €18k
Net result €44k
Staff (FTE) 1
Better than sector 21%
Financial profile 4 of 5 axes measured · computed by Checked
Health-Profitability100Solvency22Growth32Stability100
64 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 22
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview10 NBB filings
Annual accounts filed on 27-04-2024 with the NBB · fiscal year 2023 · micro
€0€25k€50k€75kOperating result 2019: €2k€2kNet result 2019: €345€345Operating result 2020: €65k€65kNet result 2020: €47k€47kOperating result 2021: €86k€86kNet result 2021: €61k€61kOperating result 2022: €34k€34kNet result 2022: €23k€23kOperating result 2023: €62k€62kNet result 2023: €44k€44k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~35% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€20k€40k€60k€80k2018: €22k2019: €23k2020: €14k2021: €75k2022: €75k2023: €18k201820192020202120222023
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 2023 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 14.6% 50.6%
better than 21% of 2574 sector peers
Net result €44k €28k
better than 62% of 2573 sector peers
Equity €18k €68k
better than 22% of 2574 sector peers
Gross operating margin €61k €47k
better than 59% of 2570 sector peers
Staff costs €12k €11k
higher than 51% of 233 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€44k
+97.1% 18-23
Total assets
€121k
-28.5% 18-23
Equity
€18k
-76.6% 18-23
Employees (FTE)
1
-41.2% 18-23
Staff costs
€12k
-52.5% 18-23
Income taxes
€18k
+59.5% 18-23
Dividends
€102k
+363.6% 18-23
Debt
€101k
+35.7% 18-23
Show 4 other metrics
Debt ≤ 1y
€85k
+32.2% 18-23
Solvency
14.6%
-67.2% 18-23
ROE
252.1%
+741.0% 18-23
ROA
36.8%
+175.9% 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€44k
Cash flown/a
Staff costs€12k
Income taxes€18k
Dividends€102k
Total assets€121k
Equity€18k
Debt€101k
of which ≤ 1y€85k
of which > 1y-
Working capitaln/a
Employees (FTE)1.0
Ratios (computed)
2023
Current ration/a
Quick ration/a
Working capital ration/a
Solvency14.6%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA36.8%
ROE252.1%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2023
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€121k
Fixed assets 21/28€30k
Tangible fixed assets 22/27€30k
Current assets 29/58€91k
Amounts receivable within one year 40/41€7k
Cash & bank 54/58€83k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€121k
Equity 10/15€18k
Contributions / capital 10/11€6k
Reserves 13€7k
Accumulated profits (losses) 14€4k
Provisions & deferred taxes 16€2k
Amounts payable 17/49€101k
Amounts payable within one year 42/48€85k
Income statement
Gross operating margin 9900€61k
Operating result 9901€62k
Financial income 75€275
Financial charges 65€492
Result before taxes 9903€62k
Income taxes 67/77€18k
Net result for the period 9904€44k
Result to be appropriated 9905€44k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • PRIEM Johan Leonard
    Director
    State Gazette act 24400138 (27-05-2024)
    Current
    27-05-2024 → present
Former directors (1)
  • Vanderkelen Tom
    Sole director
    State Gazette act 23452508 (11-12-2023)
    Former
    11-12-2023 → 01-04-2024
    2 events
    • 01-04-2024 Resigned· Director
    • 11-12-2023 Appointed· Sole director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Private limited company(610)
Incorporation02-07-2009
StatusActive
Postal code9000
Establishment units 1 location
JOPA 4 LIFE CONSULTANCY
Oktrooiplein 1, 9000 GentManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20092.179.986.413
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44807G0728/02L013 Flanders 1,619 m² 1 · 1,590 m² 18.6 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
10-06-2024
State Gazette act Capital & shares
Paul Lingier
27-05-2024
State Gazette act Capital & shares
Paul Lingier
27-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
11-12-2023
State Gazette act Director changes
Paul Lingier
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
25-11-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
09-11-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
26-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
29-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
20-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
25-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
29-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
30-07-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Belgian State Gazette reading coverage 0 of 7 acts read

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts
Capital history · 2
10-06-2024
Capital change
27-05-2024
Capital change
All acts · 3 updated 2 years ago
2024
10-06-2024 All shares are now held by a single shareholder Capital & shares·Paul Lingier
Notary: Paul Lingier
Technical details 
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27-05-2024 All shares are now held by a single shareholder Capital & shares·Paul Lingier
Notary: Paul Lingier
Technical details 
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2023
11-12-2023 Vanderkelen Tom appointed as sole director Director changes·Paul Lingier
  • Vanderkelen Tom, Enig bestuurder
Notary: Paul Lingier · Aalst
Technical details 
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van verzekeringsagenten en -makelaars66220Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen66290Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg66290Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameNL JOPA 4 LIFE CONSULTANCY
Registered office
Oktrooiplein 1
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative