Equity
€5,000 from €229,957 in 2023
Equity fell by 98% in 2 years.
JSWAHL
Lifetime
4 annual accounts with figures on one time axispeak €236,015 (2022)
€88,770▼ 42.9%
peak €181,983 (2022)
€66,453▼ 43.6%
peak €229,957 (2023)
€5,000▼ 97.2%
€325,346▲ 10.2%
Board1 name since 2022
1 directorWAHL Julia
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €155,502 to €88,770Result from €117,792 to €66,453Dividend €240,452Equity from €178,999 to €5,000Cash from €202,084 to €44,503
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Debts
€325,346 98% of the balance sheet
Suppliers 2%Taxes and wages 34%Other 65%
Liquidity
1.00 was 1.57 in 2024
Short-term debts rose from €295,113 to €325,346.
Filings
4 annual accounts 2 late
The 2023 accounts came latest: 55 days after the end of the period.
Position in the sector
1.5%
Lower solvency than 90% of companies in head offices and management consultancy. Sector median 55.5% · 39,335 companies.
Checked score
82
Excellent
Financially stronger than 21% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: < 0.1%▼ -0.1 percentage points vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.3%● unchanged vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Equity €5,000 (1.5% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €330,346
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 10% of them on solvency, 7% on liquidity, 63% on profitability and 4% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,157 companies had the same profile as JSWAHL has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
2.8%
stopped another way
3.0%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JSWAHL itself is lower: 0.3% within 12 months. It rests on far more data about JSWAHL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,157 companies, not a prediction for JSWAHL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 39335 sector peers (2025).
NBB · sector comparisonPosition among 39335 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
31 days late
2024
69 days early
2023
55 days late
2022
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 4 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (3 of the last 4 accounts filed within 56 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0783981912
First establishment
Maurice Wilmottestraat 15, Sint-Gillis (bij-Brussel)
Incorporation
Founding capital of €5,000, 100 shares · Founder: WAHL Julia · Appointment: WAHL Julia (director) · published on 31-03-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JSWAHL Sint-Gillis (bij-Brussel) | €330,346 | €88,770 | 1.5% | - |
| MANTRA Sint-Gillis (bij-Brussel) | €262,368 | €79,104 | 22.2% | - |
| KEA Consulting Sint-Gillis (bij-Brussel) | €279,301 | €76,212 | 16.1% | - |
| Agile Finance Anderlecht | €332,263 | €84,786 | 68.1% | - |
| O.T.H Etterbeek | €324,776 | €86,557 | 3.4% | - |
| BIOROD Woluwe-Saint-Pierre | €300,531 | €89,159 | 72.3% | - |
| Spitec Woluwe-Saint-Lambert | €362,214 | €89,103 | 75.9% | - |
These companies have the same main activity as JSWAHL: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €262,000 and €362,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 29-03-2022Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.329.747.2851060 Sint-Gillis (bij-Brussel), since 01-04-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on JSWAHL
JSWAHL files the micro format. That format states no turnover. The gross margin fell from €236,015 in 2022 to €88,770 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JSWAHL
- What is the company number of JSWAHL?
- The company number of JSWAHL is 0783.981.912. The VAT number is the same number with BE in front: BE 0783.981.912.
- Where is JSWAHL based?
- The registered office is at Maurice Wilmottestraat 15, 1060 Sint-Gillis (bij-Brussel).Company details
- What does JSWAHL do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of JSWAHL?
- JSWAHL is a private limited company (BV).
- When was JSWAHL founded?
- JSWAHL was founded on 29-03-2022.
- Is JSWAHL still active?
- Yes, JSWAHL is an active enterprise in the KBO register.
- What is the turnover of JSWAHL?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €88,770 and 120 comparable companies (NACE 70200). It probably lies between €140,000 and €230,000.Financials
- Is JSWAHL profitable?
- In financial year 2025, JSWAHL made a profit of €66,453.
- Where can I find the annual accounts of JSWAHL?
- JSWAHL filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JSWAHL due?
- JSWAHL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.