JPACG CONSULTING
ActiveJPACG CONSULTING has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €337k and a net result of €38k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-3
Solvency94▼-3
Growth52▼-17
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.28 against 5.18 in 2024; short-term debt: 19.4% and cash: 1.4% of total assets), and 30.6% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
69.4%
Return on assets
7.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-12-2025, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
46 d early
2023
50 d early
2022
50 d early
2021
45 d early
2020
54 d early
2019
53 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€168k▲ 5.5%
2019 · €159k
2019: €159k
2019 → 2020
EBIT margin
34.5%▲ 2.3pp
2019 · 32.2%
2019: 32.2%
2019 → 2020
Net result
€38k▼ 25.9%
2024 · €51k
2019: €38k
2020: €43k
2021: €70k
2022: €74k
2023: €43k
2024: €51k
2019 → 2025
Working capital
€309k▼ 10.3%
2024 · €345k
2019: €245k
2020: €260k
2021: €326k
2022: €320k
2023: €331k
2024: €345k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€341k-€329k▼ 3.5%€341k▲ 3.7%€355k▲ 3.9%€337k▼ 4.9%
Operating result€90k-€98k▲ 9.0%€52k▼ 46.4%€69k▲ 32.3%€51k▼ 25.9%
Net result€70k-€74k▲ 6.1%€43k▼ 41.8%€51k▲ 19.0%€38k▼ 25.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €486k
Fixed assets
€82k▲ 31.8%
Current assets
€404k▼ 5.6%
Equity and liabilities €486k
Equity
€337k▼ 4.9%
Provisions
€52k=
Debt
€96k▲ 16.2%
The debt ratio rises from 16.9% to 19.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▼
2024 · €70k
Cash flow
€39k▼
2024 · €52k
Solvency
69.4%▼
2024 · 72.4%
Current ratio
4.28▼
2024 · 5.18
Quick ratio
4.28▼
2024 · 5.18
Debt / equity
0.28▲
2024 · 0.23
ROE
11.3%▼
2024 · 14.5%
ROA
7.8%▼
2024 · 10.5%
Interest coverage
15.58▲
2024 · 12.51
Debt
€96k▲
2024 · €83k
Debt ≤ 1 year
€94k▲
2024 · €83k
Income taxes
€19k▼
2024 · €23k
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€490k€486k▼
Fixed assets21/28€62k€82k▲
Tangible fixed assets22/27€62k€82k▲
Land and buildings22€61k€61k=
Other tangible fixed assets26€1k€21k▲
Financial fixed assets28€200€200=
Current assets29/58€428k€404k▼
Amounts receivable after more than one year29€340k€365k▲
Other amounts receivable291€340k€365k▲
Amounts receivable within one year40/41€56k€16k▼
Trade receivables40-€10k
Other amounts receivable41€56k€5k▼
Cash at bank and in hand54/58€41€7k▲
Deferred charges and accrued income490/1€32k€17k▼
Equity and liabilities
Total equity and liabilities10/49€490k€486k▼
Equity10/15€355k€337k▼
Contributions10/11€19k€19k=
Reserves13€336k€319k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€334k€317k▼
Provisions and deferred taxes16€52k€52k=
Provisions for liabilities and charges160/5€52k€52k=
Pensions and similar obligations160€52k€52k=
Amounts payable17/49€83k€96k▲
Amounts payable within one year42/48€83k€94k▲
Trade debts44€5k€14k▲
Suppliers440/4€5k€14k▲
Taxes, remuneration and social security45€41k€28k▼
Taxes450/3€38k€28k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€36k€53k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€609€1k▲
Other operating charges640/8-€9k
Gross operating margin9900€70k€61k▼
Operating profit (loss)9901€69k€51k▼
Financial income75/76B€11k€9k▼
Recurring financial income75€11k€9k▼
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€74k€57k▼
Income taxes67/77€23k€19k▼
Profit (loss) for the period9904€51k€38k▼
Profit (loss) for the period to be appropriated9905€51k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€38k▼
Transfer from equity791/2€38k€56k▲
Transfer to equity691/2€51k€38k▼
To other reserves6921€51k€38k▼
Profit to be distributed694/7€38k€56k▲
Return on contributions (dividend)694€38k€56k▲
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
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €38k ▼25.9%
Net result drops to €38k, the lowest in the series.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €74k ▲6.1%
Operating result €98k, net result €74k, both a record.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
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
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, Trooz · 1 establishment unit since 2001
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.
Rue Bois Lamarche 114870 TroozGround area
3,030 m²
Building footprint
265 m²
Volume, LiDAR
1,232 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Trieu Robin(R) 8, 6500 Beaumont
since 20012.097.942.229
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62040F0121/00Y007 | Wallonia | 2,418 m² | 1 · 155 m² | 6.4 m · 1 fl. |
| 56062B0043/00L000 | Wallonia | 612 m² | 1 · 109 m² | 8.1 m · 2 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
THALENTO
BE 0830.586.452
Hasselt · Eq €337k
Clearbyte Computer Applications
BE 0472.473.241
Brussel · Eq €337k
BASYS
BE 0478.050.345
Bilzen-Hoeselt · Eq €338k
Sinari Benelux
BE 0731.751.469
Ieper · Eq €337k
Trecodis
BE 0475.047.897
Jodoigne · Eq €338k
Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2001
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.