Jurma Consult
ActiveJurma Consult has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €19k. Equity is growing by ~56.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+40
Solvency81▲+26
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 1.06 in 2024; short-term debt: 23.7% and cash: 37% of total assets), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
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 69
Relative position
BE, all sectors
reference
Sector 69
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
55.9%
Return on assets
29.1%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 109%
2024 · €18k
2023: €17k
2024: €18k
2023 → 2025
Total assets
€66k▲ 12.8%
2024 · €59k
2023: €66k
2024: €59k
2023 → 2025
Net result
€19k▲ 3,119%
2024 · €600
2023: €12k
2024: €600
2023 → 2025
Working capital
€23k▲ 1,776%
2024 · €1k
2023: €-26k
2024: €1k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€17k-€18k▲ 3.5%€37k▲ 109%
Operating result€17k-€5k▼ 72.9%€31k▲ 569%
Net result€12k-€600▼ 95.1%€19k▲ 3,119%
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 569% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€27k▼ 27.3%
Current assets
€39k▲ 84.5%
Equity and liabilities €66k
Equity
€37k▲ 109%
Debt
€29k▼ 28.8%
The debt ratio falls from 69.8% to 44.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €15k
Cash flow
€30k▲
2024 · €11k
Solvency
55.9%▲
2024 · 30.2%
Current ratio
2.47▲
2024 · 1.06
Quick ratio
2.47▲
2024 · 1.06
Debt / equity
0.79▼
2024 · 2.31
ROE
52.1%▲
2024 · 3.4%
ROA
29.1%▲
2024 · 1.0%
Interest coverage
9.68▲
2024 · 4.74
Debt
€29k▼
2024 · €41k
Debt ≤ 1 year
€16k▼
2024 · €20k
Debt > 1 year
€13k▼
2024 · €18k
Income taxes
€8k▲
2024 · €1k
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€59k€66k▲
Fixed assets21/28€38k€27k▼
Intangible fixed assets21€33k€27k▼
Tangible fixed assets22/27€5k€870▼
Plant, machinery and equipment23€5k€870▼
Current assets29/58€21k€39k▲
Amounts receivable within one year40/41€10k€13k▲
Trade receivables40€9k€12k▲
Other amounts receivable41€819€1k▲
Cash at bank and in hand54/58€10k€24k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€59k€66k▲
Equity10/15€18k€37k▲
Contributions10/11€5k€5k=
Reserves13€13k€32k▲
Distributable reserves133€13k€32k▲
Amounts payable17/49€41k€29k▼
Amounts payable after more than one year17€18k€13k▼
Financial debts170/4€18k€13k▼
Amounts payable within one year42/48€20k€16k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€789€505▼
Gross operating margin9900€15k€42k▲
Operating profit (loss)9901€5k€31k▲
Financial income75/76B-€54
Recurring financial income75-€54
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€2k€27k▲
Income taxes67/77€1k€8k▲
Profit (loss) for the period9904€600€19k▲
Profit (loss) for the period to be appropriated9905€600€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€600€19k▲
Transfer to equity691/2€600€19k▲
To other reserves6921€600€19k▲
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €19k ▲3119%
Operating result €31k, net result €19k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.47
Current ratio from 1.06 to 2.47; short-term debt falls from €20k to €16k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €600 ▼95.1%
Net result drops to €600, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.06
Current ratio from 0.43 to 1.06; short-term debt falls from €46k to €20k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oud-Heverlee · 1 establishment unit since 2024
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.
Krekelbergstraat 203051 Oud-HeverleeGround area
721 m²
Building footprint
93 m²
Volume, LiDAR
1,570 m³
Parcel 24100B0551/00D000, Flanders · tallest building 23.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Jurma Consult
since 20242.369.665.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24100B0551/00D000 | Flanders | 720 m² | 1 · 93 m² | 23.6 m · 6 fl. |
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.
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Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 6,921 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2022
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.