J&A COMPANY
ActiveSummary
The computed 12-month bankruptcy probability of J&A COMPANY is 2.2% (moderate). The 2025 annual accounts show equity of €11k and a net result of €9k. Its solvency ranks better than 40% of 4603 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability99
Solvency54
Growth-
Track record67
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.9; short-term debt: 70.7% and cash: 63.2% of total assets), and 70.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
29.3%
Return on assets
24%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€11k
Total assets
€38k
Net result
€9k
Working capital
€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €38k
Fixed assets
€14k
Current assets
€24k
Equity and liabilities €38k
Equity
€11k
Debt
€27k
Debt finances 70.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€12k
Cash flow
€12k
Current ratio
0.90
Debt to equity
2.42
ROE
82.1%
ROA
24.0%
Interest coverage
331.52
Debt ≤ 1 year
€27k
Filed annual accounts As filed with the NBB · 2025 · 30 lines
Balance sheet
Code2025
Assets
Total assets20/58€38k
Fixed assets21/28€14k
Tangible fixed assets22/27€14k
Furniture and vehicles24€14k
Current assets29/58€24k
Amounts receivable within one year40/41€186
Other amounts receivable41€186
Cash at bank and in hand54/58€24k
Equity and liabilities
Total equity and liabilities10/49€38k
Equity10/15€11k
Contributions10/11€2k
Profit (loss) carried forward14€9k
Amounts payable17/49€27k
Amounts payable within one year42/48€27k
Trade debts44€376
Suppliers440/4€376
Taxes, remuneration and social security45€4k
Taxes450/3€1k
Remuneration and social security454/9€3k
Other amounts payable47/48€22k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€499
Gross operating margin9900€12k
Operating profit (loss)9901€9k
Financial charges65/66B€35
Recurring financial charges65€35
Profit (loss) for the period before taxes9903€9k
Profit (loss) for the period9904€9k
Profit (loss) for the period to be appropriated9905€9k
Appropriation of the result
Profit (loss) to be appropriated9906€9k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2025
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.
Korte Sint-Rochusstraat 232100 AntwerpenGround area
122 m²
Building footprint
71 m²
Volume, LiDAR
593 m³
Parcel 11346B0501/00K003, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J&A COMPANY
since 20252.375.251.173
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0501/00K003 | Flanders | 122 m² | 1 · 71 m² | 9.3 m · 3 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.
Similar companies · same sector, comparable size
NAW GROUP
BE 1004.751.140
Brussel · Eq €11,181
ALLO SENHAJI
BE 1015.557.039
Anderlecht · Eq €11,162
Driver Coach Belgium
BE 1022.696.734
Waterloo · Eq €11,148
TRANSLO
BE 0455.089.455
Sint-Jans-Molenbeek · Eq €11,273
HENDRIKS AUTOCARS
BE 0457.408.250
Lommel · Eq €11,617
Of 962 companies in sector 49310 we hold annual accounts for 487. 327 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2025
Fiscal year end31-12
Activities, NACEBEL 2025
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.