J.a.Y
ActiveJ.a.Y has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €37k. Equity is shrinking by ~21.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 5% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+1
Solvency26=
Growth58=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
1%
Return on assets
18%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12675 sector peers (2025).
NBB · sector comparisonPosition among 12675 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
6 d late
2023
30 d late
2022
30 d late
2021
11 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k=
2024 · €2k
2021: €8k
2022: €31k
2023: €46k
2024: €2k
2021 → 2025
Total assets
€206k▼ 12.4%
2024 · €236k
2021: €17k
2022: €211k
2023: €210k
2024: €236k
2021 → 2025
Net result
€37k▼ 6.5%
2024 · €40k
2021: €7k
2022: €23k
2023: €15k
2024: €40k
2021 → 2025
Working capital
€-89k▼ 28.9%
2024 · €-69k
2021: €8k
2022: €236
2023: €2k
2024: €-69k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€31k▲ 285%€46k▲ 49.3%€2k▼ 95.6%€2k=
Operating result€8k-€24k▲ 185%€22k▼ 10.5%€51k▲ 134%€57k▲ 11.5%
Net result€7k-€23k▲ 247%€15k▼ 35.6%€40k▲ 164%€37k▼ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€196k▼ 3.7%
Current assets
€10k▼ 68.0%
Equity and liabilities €206k
Equity
€2k=
Debt
€204k▼ 12.5%
The debt ratio falls from 99.2% to 99.0%. Debt is lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €61k
Cash flow
€48k▼
2024 · €50k
Solvency
1.0%▲
2024 · 0.8%
Current ratio
0.10▼
2024 · 0.32
Quick ratio
0.10▼
2024 · 0.32
ROA
18.0%▲
2024 · 16.9%
Interest coverage
12.47▲
2024 · 10.34
Debt
€204k▼
2024 · €234k
Debt ≤ 1 year
€99k▼
2024 · €101k
Debt > 1 year
€105k▼
2024 · €133k
Income taxes
€14k▲
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €206k, equity €2k).
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€236k€206k▼
Fixed assets21/28€204k€196k▼
Tangible fixed assets22/27€204k€196k▼
Land and buildings22€202k€195k▼
Plant, machinery and equipment23€2k€760▼
Current assets29/58€32k€10k▼
Amounts receivable within one year40/41€32k€240▼
Trade receivables40€32k€231▼
Other amounts receivable41-€10
Cash at bank and in hand54/58€177€8k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€236k€206k▼
Equity10/15€2k€2k=
Contributions10/11€2k€2k=
Amounts payable17/49€234k€204k▼
Amounts payable after more than one year17€133k€105k▼
Financial debts170/4€133k€105k▼
Amounts payable within one year42/48€101k€99k▼
Current portion of amounts payable after more than one year42€14k€21k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€11k€11k▼
Other amounts payable47/48€73k€61k▼
Accrued charges and deferred income492/3€155€182▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€65k€71k▲
Operating profit (loss)9901€51k€57k▲
Financial income75/76B€87€0▼
Recurring financial income75€87€0▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€45k€51k▲
Income taxes67/77€5k€14k▲
Profit (loss) for the period9904€40k€37k▼
Profit (loss) for the period to be appropriated9905€40k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€37k▼
Profit (loss) brought forward from the previous period14P€44k-
Profit to be distributed694/7€83k€37k▼
Return on contributions (dividend)694€62k€37k▼
Directors or managers695€21k-
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Highest result since 2021net €40k ▲164%
Net result €40k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vleteren · 1 establishment unit since 2021
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.
Nieuwstraat(West) 118640 VleterenGround area
1.5 ha
Building footprint
256 m²
Volume, LiDAR
1,286 m³
Parcel 33031A0751/00E000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.a.Y
since 20212.323.046.565
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33031A0751/00E000 | Flanders | 1.5 ha | 1 · 256 m² | 8.8 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.
Similar companies · same sector, comparable size
DE PONSAY LAW
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ADVOCAAT LAURA DE BOEL
BE 0729.906.192
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Advocatenkantoor Hannelore Buelens
BE 0734.860.815
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DOBSON LEGAL
BE 0737.697.272
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Le Bilan
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Of 22,052 companies in sector 69101 we hold annual accounts for 9,053. 1,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2021
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.