J Äto
ActiveSummary
J Äto has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.45M and a net result of €144k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+7
Solvency91▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.2 against 3.61 in 2024; short-term debt: 18.9% and cash: 5.9% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
65.5%
Return on assets
6.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
43 d early
2022
1 d early
2021
5 d early
2020
53 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.45M▲ 11.0%
2024 · €1.31M
2019: €902k
2020: €965k
2021: €1.01M
2022: €1.12M
2023: €1.28M
2024: €1.31M
2019 → 2025
Total assets
€2.21M▲ 3.5%
2024 · €2.14M
2019: €1.63M
2020: €1.68M
2021: €1.92M
2022: €2.00M
2023: €2.13M
2024: €2.14M
2019 → 2025
Net result
€144k▲ 532%
2024 · €23k
2019: €113k
2020: €63k
2021: €46k
2022: €108k
2023: €167k
2024: €23k
2019 → 2025
Working capital
€1.34M▲ 15.3%
2024 · €1.16M
2019: €920k
2020: €957k
2021: €1.20M
2022: €1.19M
2023: €1.13M
2024: €1.16M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.01M-€1.12M▲ 10.7%€1.28M▲ 14.9%€1.31M▲ 1.8%€1.45M▲ 11.0%
Operating result€22k-€106k▲ 375%€181k▲ 70.3%€-8k€148k
Net result€46k-€108k▲ 136%€167k▲ 54.6%€23k▼ 86.3%€144k▲ 532%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €148k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.21M
Fixed assets
€459k ▼ 14.2%
Current assets
€1.76M ▲ 9.3%
Equity and liabilities €2.21M
Equity
€1.45M ▲ 11.0%
Provisions
€346k =
Debt
€418k ▼ 14.3%
Debt's share of the balance-sheet total falls from 22.8% to 18.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€248k▲
2024 · €80k
Cash flow
€244k▲
2024 · €111k
Current ratio
4.20▲
2024 · 3.61
Quick ratio
4.18▲
2024 · 3.61
Debt to equity
0.29▼
2024 · 0.37
ROE
9.9%▲
2024 · 1.7%
ROA
6.5%▲
2024 · 1.1%
Interest coverage
59.32▲
2024 · 16.96
Debt ≤ 1 year
€418k▼
2024 · €445k
Debt > 1 year
€0▼
2024 · €42k
Income taxes
€50k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.14M€2.21M▲
Fixed assets21/28€535k€459k▼
Tangible fixed assets22/27€535k€459k▼
Land and buildings22€408k€384k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€122k€70k▼
Other tangible fixed assets26€5k€5k=
Current assets29/58€1.61M€1.76M▲
Amounts receivable after more than one year29€1.08M€1.08M=
Other amounts receivable291€1.08M€1.08M=
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€356k€502k▲
Trade receivables40€40k€0▼
Other amounts receivable41€316k€502k▲
Cash at bank and in hand54/58€137k€130k▼
Deferred charges and accrued income490/1€32k€32k=
Equity and liabilities
Total equity and liabilities10/49€2.14M€2.21M▲
Equity10/15€1.31M€1.45M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€32k€32k=
Reserves13€1.21M€1.36M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€1.21M€1.35M▲
Provisions and deferred taxes16€346k€346k=
Provisions for liabilities and charges160/5€346k€346k=
Pensions and similar obligations160€346k€346k=
Amounts payable17/49€488k€418k▼
Amounts payable after more than one year17€42k€0▼
Financial debts170/4€42k€0▼
Amounts payable within one year42/48€445k€418k▼
Current portion of amounts payable after more than one year42€46k€42k▼
Trade debts44€74k€5k▼
Suppliers440/4€74k€5k▼
Taxes, remuneration and social security45€10k€53k▲
Taxes450/3€10k€53k▲
Other amounts payable47/48€314k€317k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€100k▲
Other operating charges640/8€12k€5k▼
Gross operating margin9900€92k€253k▲
Operating profit (loss)9901€-8k€148k▲
Financial income75/76B€42k€51k▲
Recurring financial income75€42k€51k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€29k€194k▲
Income taxes67/77€6k€50k▲
Profit (loss) for the period9904€23k€144k▲
Profit (loss) for the period to be appropriated9905€23k€144k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€144k▲
Transfer to equity691/2€23k€144k▲
To other reserves6921€23k€144k▲
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €23k ▼86.3%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €167k ▲54.6%
Operating result €181k, net result €167k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €1MEq €1.01M ▲4.7%
3 profitable years in a row build equity to €1.01M.
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 1997
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.
Afrikalaan 2879000 GentGround area
4,096 m²
Building footprint
694 m²
Volume, LiDAR
4,100 m³
Parcel 44807G0695/00X004, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Afrikalaan 287, 9000 Gent
since 19972.082.116.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0695/00X004 | Flanders | 4,096 m² | 1 · 694 m² | 10.3 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
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Diepenbeek · Eq €1,451,104
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HEROLA
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 23,723 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 formPublic limited company
Founded16-01-1997
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.