J.ET Consulting
ActiveJ.ET Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €763k and a net result of €278k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 2291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+1
Solvency82▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 4.54 against 1.45 in 2024; short-term debt: 6.8% and cash: 3.7% of total assets), and 42.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
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
57.5%
Return on assets
21%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
2 d early
2022
22 d early
2021
3 d early
2020
26 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€763k▲ 42.3%
2024 · €536k
2019: €130k
2020: €164k
2021: €264k
2022: €341k
2023: €501k
2024: €536k
2019 → 2025
Total assets
€1.33M▼ 6.5%
2024 · €1.42M
2019: €147k
2020: €191k
2021: €409k
2022: €579k
2023: €819k
2024: €1.42M
2019 → 2025
Net result
€278k▼ 2.2%
2024 · €285k
2019: €64k
2020: €28k
2021: €100k
2022: €101k
2023: €274k
2024: €285k
2019 → 2025
Working capital
€321k▲ 101%
2024 · €159k
2019: €111k
2020: €148k
2021: €236k
2022: €309k
2023: €460k
2024: €159k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€341k▲ 29.2%€501k▲ 46.8%€536k▲ 6.9%€763k▲ 42.3%
Operating result€139k-€149k▲ 7.2%€380k▲ 155%€408k▲ 7.3%€397k▼ 2.7%
Net result€100k-€101k▲ 0.7%€274k▲ 171%€285k▲ 4.0%€278k▼ 2.2%
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 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€916k▲ 1.2%
Current assets
€412k▼ 20.0%
Equity and liabilities €1.33M
Equity
€763k▲ 42.3%
Debt
€564k▼ 36.1%
The debt ratio falls from 62.2% to 42.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€437k▼
2024 · €515k
Cash flow
€319k▼
2024 · €392k
Solvency
57.5%▲
2024 · 37.8%
Current ratio
4.54▲
2024 · 1.45
Quick ratio
4.54▲
2024 · 1.45
Debt / equity
0.74▼
2024 · 1.65
ROE
36.5%▼
2024 · 53.1%
ROA
21.0%▲
2024 · 20.1%
Interest coverage
21.54▼
2024 · 28.13
Debt
€564k▼
2024 · €883k
Debt ≤ 1 year
€91k▼
2024 · €355k
Debt > 1 year
€474k▼
2024 · €528k
Income taxes
€101k▼
2024 · €105k
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€1.42M€1.33M▼
Fixed assets21/28€904k€916k▲
Tangible fixed assets22/27€904k€915k▲
Land and buildings22€875k€899k▲
Plant, machinery and equipment23€1k€523▼
Furniture and vehicles24€28k€15k▼
Financial fixed assets28€200€200=
Current assets29/58€514k€412k▼
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€167k€84k▼
Trade receivables40€166k€69k▼
Other amounts receivable41€850€15k▲
Current investments50/53€160k€200k▲
Cash at bank and in hand54/58€76k€49k▼
Deferred charges and accrued income490/1€112k€79k▼
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.33M▼
Equity10/15€536k€763k▲
Contributions10/11€6k€19k▲
Reserves13€530k€744k▲
Distributable reserves133€530k€744k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€883k€564k▼
Amounts payable after more than one year17€528k€474k▼
Financial debts170/4€528k€474k▼
Amounts payable within one year42/48€355k€91k▼
Current portion of amounts payable after more than one year42€52k€54k▲
Financial debts43€3k€972▼
Credit institutions430/8€3k€972▼
Trade debts44€3k€15k▲
Suppliers440/4€3k€15k▲
Taxes, remuneration and social security45€59k€20k▼
Taxes450/3€59k€20k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€239k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€40k▼
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€518k€440k▼
Operating profit (loss)9901€408k€397k▼
Financial income75/76B€951€3k▲
Recurring financial income75€951€3k▲
Financial charges65/66B€18k€20k▲
Recurring financial charges65€18k€20k▲
Profit (loss) for the period before taxes9903€390k€380k▼
Income taxes67/77€105k€101k▼
Profit (loss) for the period9904€285k€278k▼
Profit (loss) for the period to be appropriated9905€285k€278k▼
Appropriation of the result
Profit (loss) to be appropriated9906€285k€278k▼
Transfer from equity791/2€40k€64k▲
Transfer to equity691/2€75k€278k▲
To other reserves6921€75k€278k▲
Profit to be distributed694/7€250k€64k▼
Return on contributions (dividend)694€250k€64k▼
The notes to these accounts (11 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
08-09
State Gazette act
General meeting · Director appointment
Mandate compensation · Permanent representative
07-08
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
31-07
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity triplescurrent ratio 4.54
Current ratio from 1.45 to 4.54; short-term debt falls from €355k to €91k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €285k ▲4%
Operating result €408k, net result €285k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €500kEq €501k ▲46.8%
5 profitable years in a row build equity to €501k.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €264k ▲61.4%
3 profitable years in a row build equity to €264k.
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €28k ▼55.6%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €164k ▲25.8%
2 profitable years in a row build equity to €164k.
11-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneState Gazette actNBB 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, Brugge · 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.
't Hoge 48200 BruggeGround area
829 m²
Building footprint
115 m²
Volume, LiDAR
727 m³
Parcel 31030A0233/00H003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.ET Consulting
since 20162.253.536.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0233/00H003 | Flanders | 829 m² | 1 · 115 m² | 8.1 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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared director
→
Shared director
→
Ownership & control
2 partiesJ.ET ConsultingBE 0653.878.186
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
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Of 1,395 companies in sector 93121 we hold annual accounts for 151. 87 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2016
Fiscal year end30-06
Activities, NACEBEL
93121Football clubs
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.