JPHM CONSULT

Active

Private limited companyfounded 20233 yrs activeAvenue Boulogne Billancourt 51, 1330 Rixensart, BelgiumKBO/BCE: BE 0795.627.949

Summary

JPHM CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,752 and a net result of €37,483. Equity is growing by ~33.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

JPHM CONSULTActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€123,451total assets 2025

Equity: €115,752
Profit: €37,483

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts 16 d early0 of 1 deed read

Why 95- Founded in 2023- No main activity registered+ Liquidity: current ratio 11.24, cash €85,349+ Size: total assets €123,451Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 88% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 93.8% of total assets

Liquidity 100+2

short-term debt 6.2% · cash 69.1%

Profitability 100+7

return on assets 30.4%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.6% 12-2024: 0.6%▼ -0.8% vs 11-2024 01-2025: 0.7%▲ +9.2% vs 12-2024 02-2025: 0.5%▼ -23.8% vs 01-2025 03-2025: 0.5%● 0.0% vs 02-2025 04-2025: 0.5%● 0.0% vs 03-2025 05-2025: 0.5%● 0.0% vs 04-2025 06-2025: 0.5%● 0.0% vs 05-2025 07-2025: 0.5%▼ -1.9% vs 06-2025 08-2025: 0.5%▲ +3.2% vs 07-2025 09-2025: 0.6%▲ +4.3% vs 08-2025 10-2025: 0.6%▲ +4.4% vs 09-2025 11-2025: 0.6%▲ +6.5% vs 10-2025 12-2025: 0.6%▲ +0.6% vs 11-2025 01-2026: 0.7%▲ +11.7% vs 12-2025highest value 02-2026: 0.1%▼ -79.3% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%● 0.0% vs 03-2026lowest value 05-2026: 0.1%● 0.0% vs 04-2026lowest value 06-2026: 0.1%● 0.0% vs 05-2026lowest value 07-2026: 0.1%● 0.0% vs 06-2026lowest value 08-2026: 0.2%▲ +6.8% vs 07-2026 09-2026: 0.2%▼ -0.6% vs 08-2026 10-2026: 0.2%▲ +5.8% vs 09-2026

Liquidity: current ratio 11.24, cash €85,349 lowers the probability
Size: total assets €123,451 lowers the probability for this profile
Founded in 2023 raises the probability for this profile
No main activity registered raises the probability

Credit up to €10,000 at 30 days acceptable

Liquidity ample (current ratio 11.24 against 3.34 in 2024; short-term debt: 6.2% and cash: 69.1% of total assets), and 6.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 95%, profitability 90%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 11.24, cash €85,349

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €123,451

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

No main activity registered

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

16 d early

2024

16 d early

2023

34 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 3 accounts on average 22 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 15 January (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-06-2026 close03-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage