GJA GROUP

Active

Private limited companyfounded 20242 yrs activeHasseltsebaan 119, 3290 Diest, BelgiumKBO/BCE: BE 1007.240.377

Summary

The annual accounts of GJA GROUP for fiscal year 2025 show a net loss of 63% of total assets and of 93% of the equity at the start of that year. The 2025 annual accounts show equity of €599 and a net result of -€8,062. Its solvency ranks better than 15% of 7676 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

GJA GROUPActiveChecked score 53/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300NACE 70210

1 site

Size

€12,710total assets 2025

Equity: €599
Loss: -€8,062

Turnover not published (abridged schema)

Financial health

53 Fair Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Holdings: 1

Accounts filed 7 d late0 of 1 deed read

Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Equity €599 (4.7% of total assets)+ Liquidity: current ratio 0.87, cash €7,295+ Sector Advertising, market research and public relations activities (NACE 73)+ Size: total assets €12,710Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 16% of its sector peers (NACE 73, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 30-44

equity 4.7% of total assets

Liquidity 50-24

short-term debt 95.3% · cash 57.4%

Profitability 0-95

return on assets -63.4%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,109 companies)

Last 17 months 06-2025: 0.9% 07-2025: 1.0%▲ +5.5% vs 06-2025 08-2025: 1.1%▲ +6.5% vs 07-2025highest value 09-2025: 0.2%▼ -82.8% vs 08-2025lowest value 10-2025: 0.2%▲ +6.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%▲ +1.0% vs 11-2025 01-2026: 0.2%▼ -3.1% vs 12-2025 02-2026: 0.2%▼ -1.6% vs 01-2026 03-2026: 0.2%▲ +10.2% vs 02-2026 04-2026: 0.2%▲ +10.7% vs 03-2026 05-2026: 0.2%▲ +4.4% vs 04-2026 06-2026: 0.2%▲ +1.3% vs 05-2026 07-2026: 0.3%▲ +5.0% vs 06-2026 08-2026: 0.5%▲ +82.6% vs 07-2026 09-2026: 0.4%▼ -3.7% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026

Liquidity: current ratio 0.87, cash €7,295 lowers the probability
Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
Size: total assets €12,710 lowers the probability for this profile
Equity €599 (4.7% of total assets) raises the probability

No publishable credit limit; credit 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 0.87 against 1.75 in 2024; short-term debt: 95.3% and cash: 57.4% of total assets), and 95.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 16%, liquidity 35%, profitability 6%, growth against the median 5%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 0.87, cash €7,295

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Advertising, market research and public relations activities (NACE 73)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €12,710

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Equity €599 (4.7% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7676 sector peers (2025).

NBB · sector comparison

Position among 7676 sector peers

Solvency

better than 15%

← weakest strongest →

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 2 filings

Deviation from the deadline

2025

7 d late

2024

12 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

07-08-26 Annual accounts filedfiscal year 2025 · micro…
05-08-26 Other statement · Board ruleFiscal year · Membership rule
12-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Among the weakest 14% on equitysector median €59,291 · 7,682 companies €599 View
Total assets 20252 fiscal years filed €12,710 View
Active since 2024founded 18-03-2024 2 years View