Losses
-€277,923 in six years
Every financial year from 2020 to 2025 closed with a loss. 2023 was the heaviest.
JJ ASSIST
Lifetime
20 annual accounts with figures on one time axis, 37 filings since 1989peak €89,362 (2025)
€89,362▲ 245%
lowest -€104,342 (2023)
-€9,695▲ €26,117
peak €897,034 (2008)
€778,293▼ 1.2%
€67,603▼ 54.0%
Board5 names since 1990
2 directorsJoye Katia and 1 other
Owners
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €25,865 to €89,362Loss of €9,695Debts from €146,833 to €67,603Cash from €111,026 to €75,114
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The abbreviated format states no turnover.
Filings
37 annual accounts since 1989
Nine of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Restructuring
2024
Merger with J&J ASSIST. Merger on 17-07-2024.
Board
3 joined
New directors. Latest change 07-10-2026 · 3 in office.
Position in the sector
82.4%
Higher solvency than 86% of companies in real estate. Sector median 30.7% · 11,299 companies.
Checked score
96
Excellent
Financially stronger than 64% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.4%▼ -0.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.3 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 3 of the last 3 accounts late
lowers risk
Size: total assets €944,898
Founded in 1989
Equity €778,293 (82.4% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 72% on liquidity, 54% on profitability and 41% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as JJ ASSIST has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JJ ASSIST itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for JJ ASSIST. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €70,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.86 (1.4 in 2024), above the usual 1.5. Short-term debt is 7.2% and cash 7.9% of total assets. 17.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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 -€9,695
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
31 days late
2022
29 days late
2021
31 days late
2020
30 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 31 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
1 director appointed
Changes of role: Jooris Rik (statutory director) and Joye Katia (statutory director) · Appointment: Jooris Jane (director) · General meeting of 07-10-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0438096738
Merger: JJ ASSIST takes over J&J Assist
Dissolution of the company · Company renamed from DACA to JJ ASSIST · Capital increase of €27,268.29 to €307,387.97 · Gazette deed
Merger proposal: Daca takes over J&J ASSIST
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JJ ASSIST De Haan | €0.9m | €89,362 | 82.4% | - |
| TRITECS Bruges | €0.9m | €80,898 | 45.2% | - |
| EVELYNE Knokke-Heist | €1.0m | €75,387 | 48.4% | - |
| BRUIST Bruges | €1.0m | €94,188 | 34.4% | 0 |
| IMMOBILIERE RONAMIC Uccle | €0.9m | €91,246 | 82.0% | 1.5 |
| 3W.CONCEPT Charleroi | €0.9m | €89,738 | 86.6% | - |
| IMPART Destelbergen | €1.0m | €93,019 | 83.2% | - |
These companies have the same main activity as JJ ASSIST: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €864,000 and €1m, founded between 1988 and 1993.
Official details
Source: KBO- Status
- Active since 01-08-1989Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.045.044.4668420 De Haan, since 29-09-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 26-05-2026
Insights on JJ ASSIST
JJ ASSIST files the abbreviated format. That format states no turnover. The gross margin rose from €50,652 in 2006 to €89,362 in 2025.
SAJO holds 99.11% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JJ ASSIST
- What is the company number of JJ ASSIST?
- The company number of JJ ASSIST is 0438.096.738. The VAT number is the same number with BE in front: BE 0438.096.738.
- Where is JJ ASSIST based?
- The registered office is at Ringlaan-Noord 92, 8420 De Haan.Company details
- What does JJ ASSIST do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of JJ ASSIST?
- JJ ASSIST is a public limited company (NV).
- When was JJ ASSIST founded?
- JJ ASSIST was founded on 01-08-1989.
- Is JJ ASSIST still active?
- Yes, JJ ASSIST is an active enterprise in the KBO register.
- What is the turnover of JJ ASSIST?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €89,362 and 45 comparable companies (NACE 682). It probably lies between €100,000 and €150,000.Financials
- Is JJ ASSIST profitable?
- In financial year 2025, JJ ASSIST made a loss of €9,695.
- Where can I find the annual accounts of JJ ASSIST?
- JJ ASSIST filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JJ ASSIST due?
- JJ ASSIST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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