Checked.be
Active
BE 0790.970.167Private limited company
J&A Consulting
Groenstraat 10 ·9420 Erpe-Mere, Belgium· 3 yrs active
Sector: Business and other management consultancy
(70200)
Conclusion
J&A Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €56k and a net result of €54k. Its solvency ranks better than 10% of 37979 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €56k |
| Net result | €54k |
| Better than sector | 10% |
| Active | 3 yrs |
Financial profile
54
/ 100
Mixed profile: strong on profitability, weaker on solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
38
Profitability
100
Solvency
1
Growth
-
Stability
79
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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.
Checked score
38
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score components
Liquidity
Current ratio 0.25 (< 1.0)
-10
Quick ratio
Quick ratio 0.25 (< 0.6)
-5
Leverage
Debt/equity 45.61 (> 3.0)
-10
Profitability
ROE 96% (≥ 10%)
+10
Interest coverage
Interest coverage 2.6×
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro schema
Sector comparison
Fiscal year 2024 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 2.1% | 58.2% | |
| Net result | €54k | €26k | |
| Equity | €56k | €90k | |
| Gross operating margin | €101k | €52k | |
| Staff costs | €362 | €16k |
Figures by fiscal year and ratios
| Fiscal year | 2024 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €99k |
| Net profit | €54k |
| Cash flow | €71k |
| Staff costs | €362 |
| Income taxes | €10k |
| Dividends | - |
| Total assets | €2.61M |
| Equity | €56k |
| Debt | €2.55M |
| of which ≤ 1y | €305k |
| of which > 1y | €2.25M |
| Working capital | €-229k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.25 |
| Quick ratio | 0.25 |
| Working capital ratio | -8.8% |
| Solvency | 2.1% |
| Debt / equity | 45.61 |
| Long-term debt ratio | 40.16 |
| Interest coverage | 2.61 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.1% |
| ROE | 96.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (23 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 | €2.61M |
| Fixed assets | 21/28 | €2.53M |
| Tangible fixed assets | 22/27 | €34k |
| Financial fixed assets | 28 | €2.50M |
| Current assets | 29/58 | €77k |
| Amounts receivable within one year | 40/41 | €36k |
| Cash & bank | 54/58 | €36k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.61M |
| Equity | 10/15 | €56k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €54k |
| Amounts payable | 17/49 | €2.55M |
| Amounts payable after one year | 17 | €2.25M |
| Amounts payable within one year | 42/48 | €305k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €101k |
| Operating result | 9901 | €82k |
| Financial income | 75 | €20k |
| Financial charges | 65 | €38k |
| Result before taxes | 9903 | €64k |
| Income taxes | 67/77 | €10k |
| Net result for the period | 9904 | €54k |
| Result to be appropriated | 9905 | €54k |
Legal Structure
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 19-09-2022 |
| Status | Active |
| Postal code | 9420 |
Establishment units
J&A Consulting
since 20222.336.020.811
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016B0473/00F000 | Flanders | 1,937 m² | 1 · 98 m² | 9.1 m · 2 fl. |
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.
Updates
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
27-08
State Gazette act
Capital & shares
v3.2
2022
21-09
State Gazette act
Incorporation
oprichting
State Gazette actNBB filing
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
Capital history · 1
27-08-2024
v3.2
All acts · 2
updated 2 years ago
2024
27-08-2024 Capital increase of €1,000 to €2,000
- €1.000 → €2.000
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "capital_increase",
"amount": 1000,
"currency": "EUR",
"after_eur": 2000,
"delta_eur": 1000,
"before_eur": 1000,
"amount_type": "kapitaal_effectief",
"effective_date": "2024-08-22",
"evidence_quote": "De vergadering beslist het eigen vermogen met duizend euro (1.000,00 EUR) te verhogen, om het van duizend euro (1.000,00 EUR) naar tweeduizend euro (2.000,00 EUR) te brengen, door een inbreng in geld, met creatie van duizend (1.000) nieuwe aandelen, zonder nominale waarde.",
"contribution_type": "cash"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0790.970.167",
"name_full": "J \u0026 A CONSULTING",
"legal_form": "CommV"
}
}2022
21-09-2022 Incorporation of a new CV
Summary:
oprichting
Technical details
{
"kind": "oprichting",
"seat": "Groenstraat 10, 9420 Erpe-Mere",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": null,
"name": "Scheerlinck Jan",
"niss": null,
"address": "Groenstraat 10, 9420 Erpe-Mere"
},
"share_class": "Aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1000,
"holder_person_name": "Scheerlinck Jan",
"is_subscriber_only": false,
"n_shares_subscribed": 1000,
"amount_subscribed_eur": 1000,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": null,
"name": "Van De Velde Audrey",
"niss": null,
"address": "Groenstraat 10, 9420 Erpe-Mere"
},
"share_class": "Aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 0,
"holder_person_name": "Van De Velde Audrey",
"is_subscriber_only": false,
"n_shares_subscribed": 0,
"amount_subscribed_eur": 0,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 1000,
"subject_company": {
"kbo": "0790.970.167",
"name_full": "J\u0026A Consulting",
"legal_form": "CV"
},
"initial_directors": [],
"incorporation_date": "2022-09-19",
"post_incorporation_mandates": []
}Credit advice
Company registry (CBE)
Activities
Business and other management consultancy70200Business consulting70220Equestrian clubs93127
Names & trade names
| Legal nameNL | J&A Consulting |
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