JPJ
ActiveSummary
JPJ has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169,721 and a net result of -€81,691. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-73
Solvency74▼-6
Growth36=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.65 in 2024; short-term debt: 46% and cash: 16.7% of total assets), and 50.7% of the assets are financed with debt.
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Signals
Six 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.3%
Return on assets
-23.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€81,691
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
38 d early
2023
30 d early
2022
31 d early
2021
27 d early
2020
4 d late
2019
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#7 oldest company in Daverdisse#9 company by total assets in Daverdisse#9 company by equity in Daverdisse
Turnover
€157,002▼ 47.8%
2023 · €300,977
EBIT margin
-18.7%▼ 33.9pp
2023 · 15.2%
Net result
-€81,691▼ 162%
2024 · -€31,237
Working capital
-€90,701▼ 36.4%
2024 · -€66,500
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€298,652▼ 4.0%€312,025▲ 4.5%€300,977▼ 3.5%€157,002▼ 47.8%
Operating result€66,467▼ 26.9%€72,813▲ 9.5%€45,816▼ 37.1%-€29,384-€72,561▼ 147%
Net result€35,103within the sector's middle half▼ 77.1%€50,211within the sector's middle half▲ 43.0%-€21,774below the sector's middle half-€31,237below the sector's middle half▼ 43.5%-€81,691below the sector's middle half▼ 162%
EBIT margin22.3%▼ 7.0pp23.3%▲ 1.1pp15.2%▼ 8.1pp-18.7%▼ 33.9pp
Equity€254,213above the sector's middle half▲ 16.0%€304,423above the sector's middle half▲ 19.8%€282,649above the sector's middle half▼ 7.2%€251,412above the sector's middle half▼ 11.1%€169,721within the sector's middle half▼ 32.5%
Total assets€698,901above the sector's middle half▼ 28.8%€716,849above the sector's middle half▲ 2.6%€559,372above the sector's middle half▼ 22.0%€454,649within the sector's middle half▼ 18.7%€344,511within the sector's middle half▼ 24.2%
Debt€444,688▼ 41.7%€412,426▼ 7.3%€276,723▼ 32.9%€203,237▼ 26.6%€174,790▼ 14.0%
Working capital€149,534above the sector's middle half▼ 48.5%€114,981within the sector's middle half▼ 23.1%-€122,017below the sector's middle half-€66,500below the sector's middle half▲ 45.5%-€90,701below the sector's middle half▼ 36.4%
Solvency36.4%within the sector's middle half▲ 14.1pp42.5%within the sector's middle half▲ 6.1pp50.5%within the sector's middle half▲ 8.1pp55.3%within the sector's middle half▲ 4.8pp49.3%within the sector's middle half▼ 6.0pp
Current ratio2.33within the sector's middle half▼ 0.091.96within the sector's middle half▼ 0.370.50below the sector's middle half▼ 1.460.65below the sector's middle half▲ 0.150.43below the sector's middle half▼ 0.23
Return on assets (ROA)5.0%within the sector's middle half▼ 10.6pp7.0%within the sector's middle half▲ 2.0pp-3.9%below the sector's middle half▼ 10.9pp-6.9%below the sector's middle half▼ 3.0pp-23.7%below the sector's middle half▼ 16.8pp
Staff (FTE)0▼ 100%0
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €72,561 in 2025 against €29,384 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €344,511
Fixed assets
€276,665 ▼ 16.0%
Current assets
€67,846 ▼ 45.9%
Equity and liabilities €344,511
Equity
€169,721 ▼ 32.5%
Debt
€174,790 ▼ 14.0%
Debt's share of the balance-sheet total rises from 44.7% to 50.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€19,990▼
2024 · €34,800
Cash flow
-€29,120▼
2024 · €32,946
Debt to equity
1.03▲
2024 · 0.81
ROE
-48.1%▼
2024 · -12.4%
Interest coverage
-2.19▼
2024 · 18.43
Debt ≤ 1 year
€158,547▼
2024 · €191,912
Debt > 1 year
€8,185▼
2024 · €11,325
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €298,652 | €312,025 | €300,977 | €157,002 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €158,845 | €178,641 | €185,249 | €98,761 | - | - |
| Remuneration, social security and pensions62 | - | - | €1,070 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €86,818 | €70,380 | €90,182 | €64,183 | €52,571 | ▼ 18.1% |
| Other operating charges640/8 | €13,503 | €16,251 | €8,832 | €29,635 | €7,335 | ▼ 75.2% |
| Gross operating margin9900 | €166,788 | €159,444 | €145,900 | €64,435 | -€12,655 | ▼ 120% |
| Operating profit (loss)9901 | €66,467 | €72,813 | €45,816 | -€29,384 | -€72,561 | ▼ 147% |
| Financial income75/76B | €0 | €12,044 | €7,813 | €34 | €1 | ▼ 97.7% |
| Recurring financial income75 | €0 | €2,044 | €7,813 | €34 | €1 | ▼ 97.7% |
| Non-recurring financial income76B | - | €10,000 | - | - | - | - |
| Financial charges65/66B | €11,819 | €9,021 | €70,055 | €1,888 | €9,131 | ▲ 384% |
| Recurring financial charges65 | €11,819 | €9,021 | €70,055 | €1,888 | €9,131 | ▲ 384% |
| Non-recurring financial charges66B | - | - | - | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €54,648 | €75,836 | -€16,426 | -€31,237 | -€81,691 | ▼ 162% |
| Income taxes67/77 | €19,545 | €25,626 | €5,348 | €0 | - | - |
| Profit (loss) for the period9904 | €35,103 | €50,211 | -€21,774 | -€31,237 | -€81,691 | ▼ 162% |
| Profit (loss) for the period to be appropriated9905 | €35,103 | €50,211 | -€21,774 | -€31,237 | -€81,691 | ▼ 162% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €698,901 | €716,849 | €559,372 | €454,649 | €344,511 | ▼ 24.2% |
| Fixed assets21/28 | €436,582 | €482,015 | €437,684 | €329,237 | €276,665 | ▼ 16.0% |
| Tangible fixed assets22/27 | €436,582 | €482,015 | €437,684 | €329,237 | €276,665 | ▼ 16.0% |
| Land and buildings22 | €373,528 | €392,210 | €378,078 | €322,273 | €274,986 | ▼ 14.7% |
| Furniture and vehicles24 | €63,054 | €89,805 | €59,606 | €6,964 | €1,679 | ▼ 75.9% |
| Current assets29/58 | €262,319 | €234,834 | €121,688 | €125,413 | €67,846 | ▼ 45.9% |
| Amounts receivable within one year40/41 | €58,908 | €58,307 | €39,476 | €16,788 | €9,762 | ▼ 41.9% |
| Trade receivables40 | €20,377 | €34,217 | €17,056 | €10 | €7,186 | ▲ 71,763% |
| Other amounts receivable41 | €38,531 | €24,089 | €22,421 | €16,778 | €2,576 | ▼ 84.6% |
| Current investments50/53 | - | €50,000 | €0 | €0 | €0 | - |
| Cash at bank and in hand54/58 | €197,119 | €120,969 | €79,153 | €107,437 | €57,674 | ▼ 46.3% |
| Deferred charges and accrued income490/1 | €6,292 | €5,558 | €3,059 | €1,188 | €410 | ▼ 65.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €698,901 | €716,849 | €559,372 | €454,649 | €344,511 | ▼ 24.2% |
| Equity10/15 | €254,213 | €304,423 | €282,649 | €251,412 | €169,721 | ▼ 32.5% |
| Contributions10/11 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Reserves13 | €195,479 | €235,479 | €235,479 | €235,479 | €235,479 | = |
| Non-distributable reserves130/1 | €186,479 | €226,479 | €226,479 | €226,479 | €226,479 | = |
| Reserves not available under the articles1311 | €186,479 | €226,479 | €226,479 | €226,479 | €226,479 | = |
| Tax-exempt reserves132 | €9,000 | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Profit (loss) carried forward14 | €33,944 | €44,155 | €22,381 | -€8,856 | -€90,547 | ▼ 922% |
| Amounts payable17/49 | €444,688 | €412,426 | €276,723 | €203,237 | €174,790 | ▼ 14.0% |
| Amounts payable after more than one year17 | €331,780 | €291,701 | €31,728 | €11,325 | €8,185 | ▼ 27.7% |
| Financial debts170/4 | €331,185 | €291,106 | €31,133 | €10,730 | €7,590 | ▼ 29.3% |
| Other amounts payable178/9 | €595 | €595 | €595 | €595 | €595 | = |
| Amounts payable within one year42/48 | €112,785 | €119,853 | €243,705 | €191,912 | €158,547 | ▼ 17.4% |
| Current portion of amounts payable after more than one year42 | €74,662 | €90,029 | €28,842 | €20,403 | €3,140 | ▼ 84.6% |
| Trade debts44 | €20,436 | €13,347 | €12,747 | €3,243 | €4,420 | ▲ 36.3% |
| Suppliers440/4 | €20,436 | €13,347 | €12,747 | €3,243 | €4,420 | ▲ 36.3% |
| Taxes, remuneration and social security45 | €13,771 | €12,562 | €6,421 | €1,350 | €1,361 | ▲ 0.8% |
| Taxes450/3 | €13,771 | €12,562 | €6,421 | €1,350 | €1,361 | ▲ 0.8% |
| Other amounts payable47/48 | €3,915 | €3,915 | €195,696 | €166,917 | €149,626 | ▼ 10.4% |
| Accrued charges and deferred income492/3 | €122 | €871 | €1,290 | €0 | €8,058 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,103 | €50,211 | -€21,774 | -€31,237 | -€81,691 | ▼ 162% |
| + Depreciation and write-downs630 | €86,818 | €70,380 | €90,182 | €64,183 | €52,571 | ▼ 18.1% |
| Operating cash flow (approximation) | €121,921 | €120,591 | €68,408 | €32,946 | -€29,120 | ▼ 188% |
| Investment in fixed assets (approximation) | - | -€115,814 | -€45,851 | €44,264 | €0 | ▼ 100% |
| Change in cash | - | -€76,150 | -€41,816 | €28,284 | -€49,763 | ▼ 276% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-09
State Gazette act
Appointment: JPJ SRL (non-statutory director)Permanent representative: Jean-Pol LEPAGE3 facts ▸
State Gazette act
Appointment: JPJ SRL (non-statutory director)
Permanent representative: Jean-Pol LEPAGE3 facts ▸
- General meeting, 27-07-2026
- Director appointment, JPJ SRL (non-statutory director)
- Permanent representative, Jean-Pol LEPAGE (permanent representative)
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€81,691
Net result drops to -€81,691, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Highest result since 2018net €153,508 ▲712%
Operating result €90,928, net result €153,508, both a record.
31-12
Financial
Liquidity times 17current ratio 2.42
Current ratio from 0.15 to 2.42; short-term debt falls from €235,211 to €205,160.
31-12
Financial
Equity above €200,000Eq €219,109 ▲234%
3 profitable years in a row build equity to €219,109.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2026
RISK MANAGEMENT SECTORIAL ACTIVITY
CurrentNon-statutory director · since 27-07-2026 · Private limited company
JPJ SRL
CurrentNon-statutory director · since 01-09-2026 · Legal entity · from a recent act
"From a recent act": read from a Gazette act not yet processed into our list of directors.
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Daverdisse · 1 establishment unit since 1998
Ground area
4,286 m²
Building footprint
764 m²
Volume, LiDAR
7,549 m³
2 parcels, Wallonia · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Lesse 61, 6929 Daverdisse
since 19982.088.495.023
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84016B0027/00G000 | Wallonia | 3,956 m² | 1 · 621 m² | 14.9 m · 3 fl. |
| 84022A0331/00F000 | Wallonia | 329 m² | 1 · 143 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| RISK MANAGEMENT SECTORIAL ACTIVITY |
|
| JPJ SRLfrom an act |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 40,703 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-05-1998
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463413342
Also
9925:BE0463413342
Registered
18-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.