JCB CONSULT
ActiveSummary
JCB CONSULT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-57k) and a net result of €-41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.13 against 0.51 in 2024; short-term debt: 746.5% and cash: 40.8% of total assets), and equity is negative.
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-646.5%
Return on assets
-457.5%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-57k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
21 d late
2022
28 d late
2021
12 d early
2020
26 d early
2019
22 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, micro schema
Equity
€-57k▼ 242%
2024 · €-17k
2018: €68k
2019: €77k
2020: €88k
2021: €86k
2022: €96k
2023: €25k
2024: €-17k
2018 → 2025
Total assets
€9k▼ 49.0%
2024 · €17k
2018: €97k
2019: €93k
2020: €105k
2021: €106k
2022: €192k
2023: €55k
2024: €17k
2018 → 2025
Net result
€-41k▲ 2.8%
2024 · €-42k
2018: €5k
2019: €10k
2020: €11k
2021: €-2k
2022: €90k
2023: €-71k
2024: €-42k
2018 → 2025
Working capital
€-57k▼ 242%
2024 · €-17k
2018: €45k
2019: €62k
2020: €80k
2021: €82k
2022: €96k
2023: €25k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€96k▲ 11.5%€25k▼ 74.1%€-17k€-57k▼ 242%
Operating result€1k-€124k▲ 8,427%€-71k€-41k▲ 41.7%€-37k▲ 9.8%
Net result€-2k-€90k€-71k€-42k▲ 41.5%€-41k▲ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2025 against €41k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-646.5%▼
2024 · -96.5%
Current ratio
0.13▼
2024 · 0.51
Debt to equity
-1.15▲
2024 · -2.04
ROA
-457.5%▼
2024 · -240.2%
Debt
€66k▲
2024 · €34k
Debt ≤ 1 year
€66k▲
2024 · €34k
Income taxes
€257▼
2024 · €270
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 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€17k€9k▼
Current assets29/58€17k€9k▼
Amounts receivable within one year40/41€15k€4k▼
Other amounts receivable41€15k€4k▼
Cash at bank and in hand54/58€3k€4k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€17k€9k▼
Equity10/15€-17k€-57k▼
Contributions10/11€38k€38k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-59k€-99k▼
Amounts payable17/49€34k€66k▲
Amounts payable within one year42/48€34k€66k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45-€243
Taxes450/3-€243
Other amounts payable47/48€32k€62k▲
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-40k€-36k▲
Operating profit (loss)9901€-41k€-37k▲
Financial charges65/66B€42€3k▲
Recurring financial charges65€42€3k▲
Profit (loss) for the period before taxes9903€-41k€-40k▲
Income taxes67/77€270€257▼
Profit (loss) for the period9904€-42k€-41k▲
Profit (loss) for the period to be appropriated9905€-42k€-41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-99k▼
Profit (loss) brought forward from the previous period14P€-17k€-59k▼
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €-71k ▼179%
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €90k
Net result €90k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Verviers · 1 establishment unit since 2002
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.
Ch. Malvoie 194801 Verviers1 establishment unit
Ch. Malvoie 19, 4801 Verviers
since 20022.114.140.833
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,889 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 formPrivate limited company
Founded27-09-2002
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filings
Scores and ratios are computed by Checked and are not a credit decision.