JOSFER CONSULTING
ActiveJOSFER CONSULTING has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €30k. Its solvency ranks better than 57% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency88▲+20
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 1.71 in 2024; short-term debt: 36.9% and cash: 54.6% of total assets), and 36.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.1%
Return on assets
35.7%
Age of the figures
9 mo
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 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 130%
2024 · €23k
2024: €23k
2024 → 2025
Total assets
€85k▲ 56.3%
2024 · €54k
2024: €54k
2024 → 2025
Net result
€30k▲ 42.7%
2024 · €21k
2024: €21k
2024 → 2025
Working capital
€52k▲ 139%
2024 · €22k
2024: €22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€23k-€53k▲ 130%
Operating result€29k-€45k▲ 56.8%
Net result€21k-€30k▲ 42.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€963▼ 20.0%
Current assets
€84k▲ 58.0%
Equity and liabilities €85k
Equity
€53k▲ 130%
Debt
€31k▲ 0.8%
The debt ratio falls from 57.2% to 36.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €30k
Cash flow
€30k▲
2024 · €22k
Solvency
63.1%▲
2024 · 42.8%
Current ratio
2.68▲
2024 · 1.71
Quick ratio
2.68▲
2024 · 1.71
Debt / equity
0.58▼
2024 · 1.34
ROE
56.6%▼
2024 · 91.4%
ROA
35.7%▼
2024 · 39.1%
Interest coverage
14.47▼
2024 · 14.51
Debt
€31k▲
2024 · €31k
Debt ≤ 1 year
€31k▲
2024 · €31k
Income taxes
€12k▲
2024 · €6k
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€54k€85k▲
Fixed assets21/28€1k€963▼
Tangible fixed assets22/27€1k€963▼
Furniture and vehicles24€1k€963▼
Current assets29/58€53k€84k▲
Amounts receivable within one year40/41€30k€37k▲
Trade receivables40€23k€20k▼
Other amounts receivable41€7k€18k▲
Cash at bank and in hand54/58€23k€46k▲
Equity and liabilities
Total equity and liabilities10/49€54k€85k▲
Equity10/15€23k€53k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€21k€51k▲
Amounts payable17/49€31k€31k▲
Amounts payable within one year42/48€31k€31k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Advances received on contracts in progress46€14k-
Taxes, remuneration and social security45€13k€26k▲
Taxes450/3€10k€23k▲
Remuneration and social security454/9€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€766€240▼
Other operating charges640/8€500-
Gross operating margin9900€30k€45k▲
Operating profit (loss)9901€29k€45k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€27k€42k▲
Income taxes67/77€6k€12k▲
Profit (loss) for the period9904€21k€30k▲
Profit (loss) for the period to be appropriated9905€21k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€51k▲
Profit (loss) brought forward from the previous period14P-€21k
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
NBB filing
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, Ans · 1 establishment unit since 2024
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.
Route Militaire 4164432 AnsGround area
946 m²
Building footprint
220 m²
Volume, LiDAR
1,602 m³
2 parcels, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JOSFER CONSULTING
since 20242.369.932.407
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0014/00X003 | Wallonia | 619 m² | 1 · 155 m² | 7.7 m · 2 fl. |
| 62332B0028/00X005 | Wallonia | 327 m² | 1 · 65 m² | 13.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
NABAD
BE 0646.907.252
Elsene · Eq €53k
J.P. EVENTS
BE 0465.532.197
Ittre · Eq €53k
H-OPS
BE 0802.271.459
Mechelen · Eq €53k
MO-GEST
BE 0768.605.927
Ukkel · Eq €53k
SIGNOSIS
BE 0823.610.568
Brussel · Eq €53k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46120Wholesale trade
46130Agents in the wholesale of timber and building materials
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.