JvG CONSULTING · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JvG CONSULTING is 0.2% (very low). The 2024 annual accounts show equity of €25k and a net result of €-20k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 23% of 12488 sector peers (fiscal year 2024). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

2 signals · with evidence

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.

View the result trend

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 12488 sector peers (2024).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 20 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	28-08-2025	28 d late	2025-00476183
31-12-2023	31-07-2024	28-08-2024	28 d late	2024-00390709
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00430174
31-12-2021	31-07-2022	15-10-2022	76 d late	2022-20468212
31-12-2020	31-07-2021	30-09-2021	61 d late	2021-70000532
31-12-2019	31-07-2020	31-10-2020	92 d late	2020-67600223
31-12-2018	31-07-2019	28-09-2019	59 d late	2019-67700156
31-12-2017	31-07-2018	26-09-2018	57 d late	2018-65300100
31-12-2016	31-07-2017	29-09-2017	60 d late	2017-64900387
31-12-2015	31-07-2016	30-09-2016	61 d late	2016-63900110

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1995, 30 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-20k+15.8%

Working capital€25k-43.5%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 7 fiscal years (±0.3%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	25.5%	60.5%	better than 23% of 12488 sector peers
Net result	€-20k	€31k	better than 5% of 12490 sector peers
Equity	€25k	€63k	better than 27% of 12496 sector peers
Gross operating margin	€-13k	€52k	better than 5% of 12475 sector peers
Total assets	€99k	€124k	better than 42% of 12489 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P23

Weakening position over 2020-2024 · n=1438-12488

Net result P5

Weakening position over 2020-2024 · n=1438-12490

Equity P27

Weakening position over 2020-2024 · n=1441-12496

Gross operating margin P5

Weakening position over 2020-2024 · n=1436-12475

Describes the position versus peers, not a forecast.

EBITDA

€-15k

+20.7% 18-24

Net profit

€-20k

+15.8% 18-24

Cash flow

€-20k

+13.8% 18-24

Total assets

€99k

-3.9% 18-24

Equity

€25k

-44.0% 18-24

Working capital

€25k

-43.5% 18-24

Employees (FTE)

1

-55.6% 18-24

Staff costs

€29k

-48.8% 18-24

Show 11 other metrics

Income taxes

€16

-64.3% 18-24

Debt

€74k

+27.4% 18-24

Debt ≤ 1y

€74k

+27.4% 18-24

Debt > 1y

€1k

-96.3% 18-24

Current ratio

1.34

-24.3% 18-24

Quick ratio

0.30

-27.1% 18-24

Solvency

25.5%

-41.8% 18-24

Debt / equity

2.92

+127.6% 18-24

ROE

-78.6%

-50.5% 18-24

ROA

-20.1%

+12.4% 18-24

Interest coverage

-3.36

+30.4% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€-15k
Net profit	€-20k
Cash flow	€-20k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€99k
Equity	€25k
Debt	€74k
of which ≤ 1y	€74k
of which > 1y	-
Working capital	€25k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.34
Quick ratio	0.30
Working capital ratio	25.5%
Solvency	25.5%
Debt / equity	2.92
Long-term debt ratio	-
Interest coverage	-3.36
Gross margin	-
Net margin	-
ROA	-20.1%
ROE	-78.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €25k · 25.5% Debt €74k · 74.5%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€99k
Current assets	29/58	€99k
Stocks & contracts in progress	3	€77k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€99k
Equity	10/15	€25k
Contributions / capital	10/11	€543k
Reserves	13	€2k
Accumulated profits (losses)	14	€-519k
Amounts payable	17/49	€74k
Amounts payable within one year	42/48	€74k
Trade debts payable within one year	44	€25k
Income statement
Gross operating margin	9900	€-13k
Operating result	9901	€-15k
Financial income	75	€5
Financial charges	65	€4k
Result before taxes	9903	€-20k
Net result for the period	9904	€-20k
Result to be appropriated	9905	€-20k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

35 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Merbeekstraat 163360 Bierbeek

Establishment units

1 location

JVG CONSULTING

Tiensesteenweg 404, 3000 LeuvenSpeur- en ontwikkelingswerk op wetenschappelijk gebied

since 19962.074.736.859

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area370 m²

Buildings2

Building footprint369 m²

Volume (LiDAR)1,933 m³

Tallest building11.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24011F0370/00C000	Flanders	289 m²	1 · 289 m²	8.1 m · 1 fl.
24514A0084/00W000	Flanders	81 m²	1 · 80 m²	11.2 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

48 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 35

Profitability 0

Solvency 46

Growth 58

Stability 100

Credit advice

verdict per customer and amount

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We hold annual accounts for 15,463 of the 82,021 companies in this sector. 12,162 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

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Primary activity highlighted.

Names & trade names

Legal nameNL

JvG CONSULTING

Registered office

Merbeekstraat 16

3360 Bierbeek, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.