J.J.A. CONSULTING
ActiveSummary
J.J.A. CONSULTING has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €569k and a net result of €-25k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 91% of 2045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+28
Solvency100▲+12
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.65 against 2.7 in 2024; short-term debt: 17.7% and cash: 16.6% of total assets), and 17.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
82.3%
Return on assets
-3.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-25k
neutral · Filed after the deadline
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. 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
14 d early
2023
31 d late
2022
on the day
2021
31 d early
2020
2 d late
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-25k▲ 91.1%
2024 · €-278k
2018: €64k
2019: €86k
2020: €212k
2021: €-11k
2022: €33k
2023: €-125k
2024: €-278k
2018 → 2025
Working capital
€569k▼ 4.4%
2024 · €595k
2018: €500k
2019: €703k
2020: €799k
2021: €832k
2022: €912k
2023: €603k
2024: €595k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€964k-€997k▲ 3.4%€872k▼ 12.5%€594k▼ 31.9%€569k▼ 4.2%
Operating result€3k-€52k▲ 1,896%€-118k€-262k▼ 122%€-24k▲ 90.9%
Net result€-11k-€33k€-125k€-278k▼ 123%€-25k▲ 91.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €262k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €691k
Equity
€569k ▼ 4.2%
Debt
€122k ▼ 65.2%
Debt's share of the balance-sheet total falls from 37.2% to 17.7%. Equity and debt are lower.
Key figures and ratios
Current ratio
5.65▲
2024 · 2.70
Debt to equity
0.22▼
2024 · 0.59
ROE
-4.4%▲
2024 · -46.9%
ROA
-3.6%▲
2024 · -29.4%
Debt ≤ 1 year
€122k▼
2024 · €350k
Debt > 1 year
€0▼
2024 · €984
Income taxes
€0▼
2024 · €7
Staff costs
€294▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€945k€691k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Land and buildings22€0-
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Financial fixed assets28€0-
Current assets29/58€945k€691k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€933k€26k▼
Trade receivables40€901k€8k▼
Other amounts receivable41€32k€18k▼
Current investments50/53-€550k
Cash at bank and in hand54/58€12k€115k▲
Deferred charges and accrued income490/1€77€6▼
Equity and liabilities
Total equity and liabilities10/49€945k€691k▼
Equity10/15€594k€569k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€532k€507k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€526k€501k▼
Amounts payable17/49€351k€122k▼
Amounts payable after more than one year17€984€0▼
Financial debts170/4€984€0▼
Amounts payable within one year42/48€350k€122k▼
Current portion of amounts payable after more than one year42€13k€984▼
Trade debts44€27k€1k▼
Suppliers440/4€27k€1k▼
Other amounts payable47/48€311k€120k▼
Accrued charges and deferred income492/3€37€0▼
Income statement
Code20242025
Non-recurring operating income76A€775k€0▼
Remuneration, social security and pensions62€2k€294▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k€0▲
Other operating charges640/8€951k€5k▼
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€693k€-18k▼
Operating profit (loss)9901€-262k€-24k▲
Financial income75/76B€628€156▼
Recurring financial income75€628€156▼
Financial charges65/66B€17k€1k▼
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B€15k€0▼
Profit (loss) for the period before taxes9903€-278k€-25k▲
Income taxes67/77€7€0▼
Profit (loss) for the period9904€-278k€-25k▲
Profit (loss) for the period to be appropriated9905€-278k€-25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-278k€-25k▲
Transfer from equity791/2€278k€25k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 5.65
Current ratio from 2.70 to 5.65; short-term debt falls from €350k to €122k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-278k
Net result drops to €-278k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 2 days late
2020
31-12
Financial
Highest result since 2018net €212k ▲146%
Operating result €284k, net result €212k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zoersel · 1 establishment unit since 1996
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.
Uilendreef 152980 ZoerselGround area
1,947 m²
Building footprint
404 m²
Volume, LiDAR
1,607 m³
Parcel 11017A0033/00G000, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Uilendreef 15, 2980 Zoersel
since 19962.075.044.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0033/00G000 | Flanders | 1,946 m² | 1 · 404 m² | 8.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 22,882 EUR awarded · 22,882 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 8,646 EUR | 8,646 EUR |
| 2022 | 1 | 14,236 EUR | 14,236 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Legal Entity Identifier
648828L7QNK84J98ZZ13
Similar companies · same sector, comparable size
DE SCHOUWER
BE 0400.726.103
Grimbergen · Eq €568,058
Raam- en Timmerbedrijf Grevendonk
BE 0451.047.822
Lommel · Eq €567,661
KORTIM
BE 0473.045.244
Ingelmunster · Eq €567,541
IMMOSOMME
BE 0423.002.746
Somme-Leuze · Eq €570,405
Aluglaver
BE 0415.386.167
Charleroi · Eq €567,303
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 5,685 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-01-1996
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.