JTC CONSULTING
ActiveThe annual accounts of JTC CONSULTING for fiscal year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €57k and a net result of €-80k. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 31544 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-69
Solvency33▼-26
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.24 against 0.78 in 2024; short-term debt: 41.3% and cash: 5.4% of total assets), and 92.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
7.6%
Return on assets
-10.6%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 31544 sector peers (2025).
NBB · sector comparisonPosition among 31544 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-11-2025, 21 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 · 8 filingsDeviation from the deadline
2025
21 d late
2024
28 d late
2023
27 d late
2022
30 d late
2021
29 d late
2020
30 d late
2019
22 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▼ 58.2%
2024 · €137k
2019: €75k
2020: €152k
2021: €185k
2022: €168k
2023: €168k
2024: €137k
2019 → 2025
Total assets
€750k▲ 83.5%
2024 · €409k
2019: €442k
2020: €441k
2021: €447k
2022: €396k
2023: €402k
2024: €409k
2019 → 2025
Net result
€-80k
2024 · €52k
2019: €16k
2020: €64k
2021: €34k
2022: €-18k
2023: €35k
2024: €52k
2019 → 2025
Working capital
€-236k▼ 532%
2024 · €-37k
2019: €-1k
2020: €56k
2021: €67k
2022: €-10k
2023: €13k
2024: €-37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€168k▼ 9.7%€168k=€137k▼ 18.2%€57k▼ 58.2%
Operating result€55k-€-14k€63k€76k▲ 20.6%€26k▼ 65.5%
Net result€34k-€-18k€35k€52k▲ 49.2%€-80k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €750k
Fixed assets
€676k▲ 144%
Current assets
€74k▼ 43.7%
Equity and liabilities €750k
Equity
€57k▼ 58.2%
Debt
€693k▲ 155%
The debt ratio rises from 66.5% to 92.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€109k▲
2024 · €108k
Cash flow
€3k▼
2024 · €83k
Solvency
7.6%▼
2024 · 33.5%
Current ratio
0.24▼
2024 · 0.78
Quick ratio
0.24▼
2024 · 0.78
Debt / equity
12.09▲
2024 · 1.98
ROE
-139.2%▼
2024 · 37.6%
ROA
-10.6%▼
2024 · 12.6%
Interest coverage
1.10▼
2024 · 22.33
Debt
€693k▲
2024 · €272k
Debt ≤ 1 year
€310k▲
2024 · €169k
Debt > 1 year
€382k▲
2024 · €103k
Income taxes
€7k▼
2024 · €20k
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€409k€750k▲
Fixed assets21/28€278k€676k▲
Tangible fixed assets22/27€278k€676k▲
Land and buildings22€186k€510k▲
Plant, machinery and equipment23€2k€73k▲
Furniture and vehicles24€35k€49k▲
Other tangible fixed assets26€55k€44k▼
Current assets29/58€131k€74k▼
Amounts receivable within one year40/41€92k€30k▼
Trade receivables40€70k€30k▼
Other amounts receivable41€23k-
Cash at bank and in hand54/58€33k€40k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€409k€750k▲
Equity10/15€137k€57k▼
Contributions10/11€19k€19k=
Reserves13€119k€119k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€98k€98k=
Profit (loss) carried forward14-€-80k
Amounts payable17/49€272k€693k▲
Amounts payable after more than one year17€103k€382k▲
Financial debts170/4€103k€382k▲
Amounts payable within one year42/48€169k€310k▲
Current portion of amounts payable after more than one year42€40k€49k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€48k€31k▼
Taxes450/3€48k€31k▼
Remuneration and social security454/9-€480
Other amounts payable47/48€71k€223k▲
Accrued charges and deferred income492/3€498€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€82k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€3k-
Gross operating margin9900€110k€112k▲
Operating profit (loss)9901€76k€26k▼
Financial income75/76B€668€42▼
Recurring financial income75€668€42▼
Financial charges65/66B€5k€99k▲
Recurring financial charges65€5k€99k▲
Profit (loss) for the period before taxes9903€72k€-72k▼
Income taxes67/77€20k€7k▼
Profit (loss) for the period9904€52k€-80k▼
Profit (loss) for the period to be appropriated9905€52k€-80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€-80k▼
Transfer from equity791/2€30k-
Profit to be distributed694/7€82k-
Return on contributions (dividend)694€82k-
The notes to these accounts (7 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
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
31-03
Financial
Weakest financial yearnet €-80k ▼255%
Net result drops to €-80k, the lowest in the series.
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
31-03
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Highest result since 2019net €64k ▲292%
Operating result €100k, net result €64k, both a record.
31-03
Financial
Equity above €150kEq €152k ▲102%
2 profitable years in a row build equity to €152k.
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2018
23-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
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, Ittre · 1 establishment unit since 2016
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.
Rue de la Bruyère du Masy 361460 IttreGround area
1,354 m²
Building footprint
123 m²
Volume, LiDAR
850 m³
Parcel 25044A0446/02G000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Bruyère du Masy 36, 1460 Ittre
since 20162.258.280.853
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25044A0446/02G000 | Wallonia | 1,354 m² | 1 · 123 m² | 8.7 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500BD55C0D38B8910
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 38,766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2016
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
79901Tourist information services
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.