J.A.G.
ActiveJ.A.G. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €3k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 81% of 2259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -39 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-99
Solvency77▼-21
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.96 against 3.3 in 2024), and 20.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
79.4%
Return on assets
0.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
1 d early
2022
2 d early
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.12M▲ 0.3%
2024 · €1.12M
2018: €749k
2019: €735k
2020: €724k
2021: €725k
2022: €887k
2023: €886k
2024: €1.12M
2018 → 2025
Total assets
€1.42M▼ 24.9%
2024 · €1.88M
2018: €1.72M
2019: €1.68M
2020: €1.64M
2021: €1.59M
2022: €1.72M
2023: €1.70M
2024: €1.88M
2018 → 2025
Net result
€3k▼ 98.7%
2024 · €234k
2018: €316k
2019: €-14k
2020: €-11k
2021: €796
2022: €12k
2023: €-833
2024: €234k
2018 → 2025
Working capital
€-3k
2024 · €386k
2018: €563k
2019: €541k
2020: €258k
2021: €243k
2022: €39k
2023: €37k
2024: €386k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€725k-€887k▲ 22.4%€886k▼ 0.1%€1.12M▲ 26.4%€1.12M▲ 0.3%
Operating result€18k-€16k▼ 7.6%€26k▲ 59.7%€28k▲ 7.8%€14k▼ 51.3%
Net result€796-€12k▲ 1,423%€-833€234k€3k▼ 98.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€1.32M▼ 0.6%
Current assets
€93k▼ 83.3%
Equity and liabilities €1.42M
Equity
€1.12M▲ 0.3%
Debt
€291k▼ 61.8%
The debt ratio falls from 40.5% to 20.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€35k▼
2024 · €49k
Cash flow
€25k▼
2024 · €255k
Solvency
79.4%▲
2024 · 59.5%
Current ratio
0.96▼
2024 · 3.30
Quick ratio
0.96▼
2024 · 3.30
Debt / equity
0.26▼
2024 · 0.68
ROE
0.3%▼
2024 · 20.9%
ROA
0.2%▼
2024 · 12.4%
Interest coverage
3.66▲
2024 · 3.58
Debt
€291k▼
2024 · €764k
Debt ≤ 1 year
€96k▼
2024 · €168k
Debt > 1 year
€195k▼
2024 · €596k
Income taxes
€916▼
2024 · €108k
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€1.88M€1.42M▼
Fixed assets21/28€1.33M€1.32M▼
Tangible fixed assets22/27€709k€701k▼
Land and buildings22€709k€701k▼
Furniture and vehicles24€69-
Financial fixed assets28€621k€621k=
Current assets29/58€554k€93k▼
Amounts receivable within one year40/41€24k€29k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€16k€16k=
Cash at bank and in hand54/58€525k€60k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.88M€1.42M▼
Equity10/15€1.12M€1.12M▲
Contributions10/11€212k€212k=
Capital10€212k€212k=
Issued capital100€212k€212k=
Reserves13€575k€579k▲
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Distributable reserves133€554k€557k▲
Profit (loss) carried forward14€333k€333k=
Amounts payable17/49€764k€291k▼
Amounts payable after more than one year17€596k€195k▼
Financial debts170/4€204k€195k▼
Other amounts payable178/9€392k-
Amounts payable within one year42/48€168k€96k▼
Current portion of amounts payable after more than one year42€47k€67k▲
Trade debts44€683€16k▲
Suppliers440/4€683€16k▲
Taxes, remuneration and social security45€115k€11k▼
Taxes450/3€115k€11k▼
Other amounts payable47/48€5k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€13k€16k▲
Gross operating margin9900€62k€52k▼
Operating profit (loss)9901€28k€14k▼
Financial income75/76B€207k-
Recurring financial income75€207k-
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€221k€4k▼
Transfer from deferred taxes780€121k-
Income taxes67/77€108k€916▼
Profit (loss) for the period9904€234k€3k▼
Transfer from tax-exempt reserves789€291k-
Profit (loss) for the period to be appropriated9905€525k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€858k€336k▼
Profit (loss) brought forward from the previous period14P€333k€333k=
Transfer to equity691/2€525k€3k▼
To the legal reserve6920€14k-
To other reserves6921€511k€3k▼
The notes to these accounts (7 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €234k
Net result €234k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 3.30
Current ratio from 1.38 to 3.30.
30-09
Financial
Equity above €1MEq €1.12M ▲26.4%
Equity rises from €886k to €1.12M.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €796
Net result €796 after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-14k ▼104%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Dilsen-Stokkem · 1 establishment unit since 1999
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.
de Schiervellaan 273650 Dilsen-StokkemGround area
1,308 m²
Building footprint
940 m²
Volume, LiDAR
5,367 m³
Parcel 72032A0805/00F000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
de Schiervellaan 27, 3650 Dilsen-Stokkem
since 19992.092.520.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032A0805/00F000 | Flanders | 1,308 m² | 1 · 940 m² | 10.1 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.
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Of 11,177 companies in sector 82100 we hold annual accounts for 3,491. 1,443 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-10-1998
Fiscal year end30-09
Activities, NACEBEL
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.