Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 33 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
JFG CONSULT from Waterloo, company number BE0779980859, closed financial year 2025 with a result of € 20,216 after tax. For that financial year JFG CONSULT recorded a gross margin of € 36,964 and equity of € 5,000. Compared with financial year 2024, the result moved from € 22,701 to € 20,216. The company is profitable. The buffer shrank hard: equity is 88 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 18, 2026.
€ 5,000
▼ 88% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,216
▼ 11% vs 2024
Profit after tax over the fiscal year.
€ 8,090
▼ 62% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 57,780 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 7
▼ 98% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 9,030
▼ 44% vs 2024
€ 7,208 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 2,802
▼ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,826
▲ 208% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 37,702 | € 27,510 | € 40,542 | € 36,964 | ▼ 9% |
| Profit after taxes | € 20,692 | € 10,031 | € 22,701 | € 20,216 | ▼ 11% |
| Equity | € 25,692 | € 19,863 | € 42,564 | € 5,000 | ▼ 88% |
| Total debts | € 59,241 | € 55,830 | € 29,073 | € 46,867 | ▲ 61% |
| Cash | € 10,699 | € 37,852 | € 21,111 | € 8,090 | ▼ 62% |
| Retained profit | € 20,692 | € 14,863 | € 37,564 | € 0 | ▼ 100% |
| Dividend | € 0 | € 15,860 | € 0 | € 57,780 | |
| Bank debt | € 29,937 | € 23,085 | € 16,117 | € 9,030 | ▼ 44% |
| Balance sheet total | € 84,932 | € 75,693 | € 71,637 | € 51,867 | ▼ 28% |
Key figures of JFG CONSULT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to JFG CONSULT?
What happened at JFG CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 20,216 (▼ 11% vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- JEAN-FRANCOIS GHIOT became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 20,692 profit in 2022 to € 20,216 profit in 2025.
Paid € 32,402 in corporate taxes since 2022.
Best year ever: 2024, with € 22,701 profit.
Paid out € 73,640 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind JFG CONSULT is JEAN-FRANCOIS GHIOT. It owns 6.3% of SOMAFI B&A itself.
Directors
According to the 2025 annual accounts
since 2022
Establishments
Establishment units
Physical locations of this company
Avenue Florida 34
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0779.980.859
- VAT number
- BE 0779.980.859
- Registered office
- Avenue Florida 34, 1410 Waterloo
- Names & denominations
- JFG CONSULT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 January 2022
- Peppol
- Not registered
- Activities · NACE
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