JOR Consulting
ActiveJOR Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141k and a net result of €-3k. Equity is growing by ~41.4% per year across the filed fiscal years. Its solvency ranks better than 92% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 14.34 against 10.93 in 2024), and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
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 04-07-2026, 27 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
27 d early
2024
35 d early
2023
27 d late
2022
31 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€141k▼ 2.4%
2024 · €144k
2022: €30k
2023: €87k
2024: €144k
2022 → 2025
Total assets
€151k▼ 4.5%
2024 · €159k
2022: €48k
2023: €101k
2024: €159k
2022 → 2025
Net result
€-3k
2024 · €57k
2022: €25k
2023: €58k
2024: €57k
2022 → 2025
Working capital
€138k▼ 0.9%
2024 · €139k
2022: €30k
2023: €83k
2024: €139k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€87k▲ 194%€144k▲ 65.7%€141k▼ 2.4%
Operating result€35k-€80k▲ 127%€80k▼ 0.5%€-3k
Net result€25k-€58k▲ 133%€57k▼ 0.5%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €80k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€3k▼ 40.5%
Current assets
€148k▼ 3.2%
Equity and liabilities €151k
Equity
€141k▼ 2.4%
Debt
€10k▼ 26.2%
The debt ratio falls from 8.8% to 6.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-723▼
2024 · €81k
Cash flow
€-1k▼
2024 · €59k
Solvency
93.2%▲
2024 · 91.2%
Current ratio
14.34▲
2024 · 10.93
Quick ratio
14.34▲
2024 · 10.93
Debt / equity
0.07▼
2024 · 0.10
ROE
-2.5%▼
2024 · 39.6%
ROA
-2.3%▼
2024 · 36.1%
Interest coverage
-1.57▼
2024 · 149.15
Debt
€10k▼
2024 · €14k
Debt ≤ 1 year
€10k▼
2024 · €14k
Income taxes
€132▼
2024 · €22k
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€159k€151k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€3k€884▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€153k€148k▼
Amounts receivable within one year40/41€34k€23k▼
Trade receivables40€30k-
Other amounts receivable41€4k€23k▲
Cash at bank and in hand54/58€119k€125k▲
Deferred charges and accrued income490/1€283€492▲
Equity and liabilities
Total equity and liabilities10/49€159k€151k▼
Equity10/15€144k€141k▼
Contributions10/11€5k€5k=
Reserves13€139k€139k=
Distributable reserves133€139k€139k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€10k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€505€183▼
Gross operating margin9900€82k€-540▼
Operating profit (loss)9901€80k€-3k▼
Financial income75/76B€3€21▲
Recurring financial income75€3€21▲
Financial charges65/66B€546€462▼
Recurring financial charges65€546€462▼
Profit (loss) for the period before taxes9903€79k€-3k▼
Income taxes67/77€22k€132▼
Profit (loss) for the period9904€57k€-3k▼
Profit (loss) for the period to be appropriated9905€57k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€-3k▼
Transfer to equity691/2€57k-
To other reserves6921€57k-
The notes to these accounts (4 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼106%
Net result drops to €-3k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €144k ▲65.7%
3 profitable years in a row build equity to €144k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2022net €58k ▲133%
Operating result €80k, net result €58k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.11
Current ratio from 2.60 to 7.11; short-term debt falls from €19k to €14k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Edegem · 1 establishment unit since 2021
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.
Rotenaard 1042650 EdegemGround area
2,940 m²
Building footprint
576 m²
Volume, LiDAR
5,008 m³
Parcel 11472B0159/00S003, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JOR Consulting
since 20212.323.333.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0159/00S003 | Flanders | 2,940 m² | 1 · 576 m² | 11.6 m · 3 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,741 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73200Market research and public opinion polling
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jori.kemeling@gmail.com
Phone:+32473990470