JU.ME CONSULT
ActiveJU.ME CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency68▼-13
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 2.46 in 2024; short-term debt: 43.9% and cash: 32.4% of total assets), and 57.3% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
42.7%
Return on assets
38.1%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
30 d late
2022
4 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▼ 55.4%
2024 · €95k
2022: €3k
2023: €52k
2024: €95k
2022 → 2025
Total assets
€99k▼ 41.5%
2024 · €169k
2022: €10k
2023: €121k
2024: €169k
2022 → 2025
Net result
€38k▼ 11.1%
2024 · €42k
2022: €-422
2023: €50k
2024: €42k
2022 → 2025
Working capital
€21k▼ 70.5%
2024 · €72k
2022: €-4k
2023: €33k
2024: €72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€52k▲ 1,927%€95k▲ 80.9%€42k▼ 55.4%
Operating result€-422-€69k€55k▼ 20.6%€80k▲ 46.6%
Net result€-422-€50k€42k▼ 14.9%€38k▼ 11.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€34k▼ 28.5%
Current assets
€64k▼ 46.7%
Equity and liabilities €99k
Equity
€42k▼ 55.4%
Debt
€56k▼ 23.7%
The debt ratio rises from 43.9% to 57.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€94k▲
2024 · €68k
Cash flow
€51k▼
2024 · €55k
Solvency
42.7%▼
2024 · 56.1%
Current ratio
1.49▼
2024 · 2.46
Quick ratio
1.49▼
2024 · 2.46
Debt / equity
1.34▲
2024 · 0.78
ROE
89.2%▲
2024 · 44.7%
ROA
38.1%▲
2024 · 25.1%
Interest coverage
2.84▼
2024 · 48.81
Debt
€56k▼
2024 · €74k
Debt ≤ 1 year
€43k▼
2024 · €49k
Debt > 1 year
€13k▼
2024 · €25k
Income taxes
€11k▼
2024 · €12k
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€169k€99k▼
Formation expenses20€622€413▼
Fixed assets21/28€47k€34k▼
Tangible fixed assets22/27€47k€34k▼
Furniture and vehicles24€39k€26k▼
Other tangible fixed assets26€8k€7k▼
Current assets29/58€121k€64k▼
Amounts receivable after more than one year29€32k€26k▼
Other amounts receivable291€32k€26k▼
Amounts receivable within one year40/41€6k€6k▼
Trade receivables40€290-
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€82k€32k▼
Deferred charges and accrued income490/1-€150
Equity and liabilities
Total equity and liabilities10/49€169k€99k▼
Equity10/15€95k€42k▼
Contributions10/11€3k€3k=
Reserves13€90k€37k▼
Distributable reserves133€90k€37k▼
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€74k€56k▼
Amounts payable after more than one year17€25k€13k▼
Financial debts170/4€25k€13k▼
Amounts payable within one year42/48€49k€43k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€8k€592▼
Suppliers440/4€8k€592▼
Taxes, remuneration and social security45€30k€30k▲
Taxes450/3€30k€30k▲
Remuneration and social security454/9€27-
Other amounts payable47/48€357€647▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€185€151▼
Gross operating margin9900€68k€94k▲
Operating profit (loss)9901€55k€80k▲
Financial income75/76B€347€1k▲
Recurring financial income75€347€1k▲
Financial charges65/66B€1k€33k▲
Recurring financial charges65€1k€33k▲
Profit (loss) for the period before taxes9903€54k€49k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€42k€38k▼
Profit (loss) for the period to be appropriated9905€42k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€39k▼
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2-€90k
Transfer to equity691/2€42k€37k▼
To other reserves6921€42k€37k▼
Profit to be distributed694/7-€90k
Return on contributions (dividend)694-€90k
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
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.01
Current ratio from 0.50 to 2.01.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sprimont · 1 establishment unit since 2022
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 de Hayen(DLX) 54140 SprimontGround area
1,590 m²
Building footprint
222 m²
Parcel 62028B1098/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Route de Hayen(DLX) 5, 4140 Sprimont
since 20222.339.150.743
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028B1098/00H000 | Wallonia | 1,590 m² | 1 · 222 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900PFB8X3LZMAG751
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 37,058 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.