J & G
ActiveSummary
J & G has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€812,303) and a net result of -€98,456. Equity is shrinking by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 2025 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.35 against 0.3 in 2023; short-term debt: 271.1% and cash: 4.7% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-348%
Return on assets
-42.2%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← 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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€812,303
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
74 d late
2021
92 d late
2020
61 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 73 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€812,303▼ 13.8%
2023 · -€713,847
Total assets
€233,399▲ 50.8%
2023 · €154,796
Net result
-€98,456▲ 15.0%
2023 · -€115,826
Working capital
-€408,159▼ 24.6%
2023 · -€327,590
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€34,974-€70,148-€67,782▲ 3.4%-€103,590▼ 52.8%-€85,831▲ 17.1%
Net result€19,626above the sector's middle half-€70,148below the sector's middle half-€79,980below the sector's middle half▼ 14.0%-€115,826below the sector's middle half▼ 44.8%-€98,456below the sector's middle half▲ 15.0%
Equity-€447,893below the sector's middle half▲ 4.2%-€518,041below the sector's middle half▼ 15.7%-€598,021below the sector's middle half▼ 15.4%-€713,847below the sector's middle half▼ 19.4%-€812,303below the sector's middle half▼ 13.8%
Total assets€234,281within the sector's middle half▼ 6.7%€186,874within the sector's middle half▼ 20.2%€163,237within the sector's middle half▼ 12.6%€154,796within the sector's middle half▼ 5.2%€233,399within the sector's middle half▲ 50.8%
Debt€682,174▼ 5.1%€704,915▲ 3.3%€761,258▲ 8.0%€868,643▲ 14.1%€1.0m▲ 20.4%
Working capital-€189,336below the sector's middle half▲ 27.4%-€181,353below the sector's middle half▲ 4.2%-€202,058below the sector's middle half▼ 11.4%-€327,590below the sector's middle half▼ 62.1%-€408,159below the sector's middle half▼ 24.6%
Solvency-191.2%below the sector's middle half▼ 5.0pp-277.2%below the sector's middle half▼ 86.0pp-366.4%below the sector's middle half▼ 89.1pp-461.2%below the sector's middle half▼ 94.8pp-348.0%below the sector's middle half▲ 113.1pp
Current ratio0.32below the sector's middle half▲ 0.110.37below the sector's middle half▲ 0.050.41below the sector's middle half▲ 0.040.30below the sector's middle half▼ 0.110.35below the sector's middle half▲ 0.06
Return on assets (ROA)8.4%within the sector's middle half▲ 46.6pp-37.5%below the sector's middle half▼ 45.9pp-49.0%below the sector's middle half▼ 11.5pp-74.8%below the sector's middle half▼ 25.8pp-42.2%below the sector's middle half▲ 32.6pp
above
within
below
the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €85,831 in 2024 against €103,590 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €233,399
Fixed assets
€8,855 ▼ 39.9%
Current assets
€224,543 ▲ 60.3%
Equity and liabilities
Equity-€812,303
Debt€1.0m
Equity is negative: debt (€1.0m) exceeds the balance-sheet total (€233,399).
Key figures and ratios
EBITDA
-€79,942▲
2023 · -€95,296
Cash flow
-€92,568▲
2023 · -€107,532
Interest coverage
-6.33▲
2023 · -7.79
Debt ≤ 1 year
€632,702▲
2023 · €467,643
Debt > 1 year
€260,000=
2023 · €260,000
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.5%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,621 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66,131 | €66,131 | €66,131 | €8,294 | €5,888 | ▼ 29.0% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | -€11 | - | - | - |
| Other operating charges640/8 | - | €221 | €453 | €493 | €550 | ▲ 11.6% |
| Gross operating margin9900 | €101,315 | -€3,796 | -€1,209 | -€94,803 | -€79,393 | ▲ 16.3% |
| Operating profit (loss)9901 | €34,974 | -€70,148 | -€67,782 | -€103,590 | -€85,831 | ▲ 17.1% |
| Financial income75/76B | - | - | €1 | €0 | €4 | ▲ 1,228% |
| Recurring financial income75 | - | - | €1 | €0 | €4 | ▲ 1,228% |
| Financial charges65/66B | - | - | €12,199 | €12,236 | €12,630 | ▲ 3.2% |
| Recurring financial charges65 | €15,348 | - | €12,199 | €12,236 | €12,630 | ▲ 3.2% |
| Profit (loss) for the period before taxes9903 | €19,626 | -€70,148 | -€79,980 | -€115,826 | -€98,456 | ▲ 15.0% |
| Profit (loss) for the period9904 | €19,626 | -€70,148 | -€79,980 | -€115,826 | -€98,456 | ▲ 15.0% |
| Profit (loss) for the period to be appropriated9905 | €19,626 | -€70,148 | -€79,980 | -€115,826 | -€98,456 | ▲ 15.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €234,281 | €186,874 | €163,237 | €154,796 | €233,399 | ▲ 50.8% |
| Fixed assets21/28 | €146,443 | €80,312 | €23,037 | €14,744 | €8,855 | ▼ 39.9% |
| Tangible fixed assets22/27 | €146,443 | €80,312 | €23,037 | €14,744 | €8,855 | ▼ 39.9% |
| Plant, machinery and equipment23 | - | €80,312 | €23,037 | - | - | - |
| Furniture and vehicles24 | - | - | - | €14,744 | €8,855 | ▼ 39.9% |
| Current assets29/58 | €87,838 | €106,562 | €140,200 | €140,052 | €224,543 | ▲ 60.3% |
| Amounts receivable within one year40/41 | €39,417 | €29,155 | €96,197 | €136,522 | €213,600 | ▲ 56.5% |
| Trade receivables40 | - | €2,905 | €33,955 | €47,905 | €174,644 | ▲ 265% |
| Other amounts receivable41 | - | €26,250 | €62,242 | €88,617 | €38,956 | ▼ 56.0% |
| Cash at bank and in hand54/58 | €48,421 | €77,407 | €44,003 | €3,531 | €10,943 | ▲ 210% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €234,281 | €186,874 | €163,237 | €154,796 | €233,399 | ▲ 50.8% |
| Equity10/15 | -€447,893 | -€518,041 | -€598,021 | -€713,847 | -€812,303 | ▼ 13.8% |
| Contributions10/11 | €400,000 | €400,000 | €400,000 | €400,000 | €400,000 | = |
| Capital10 | - | €400,000 | €400,000 | €400,000 | €400,000 | = |
| Issued capital100 | - | €400,000 | €400,000 | €400,000 | €400,000 | = |
| Profit (loss) carried forward14 | -€847,893 | -€918,041 | -€998,021 | -€1.1m | -€1.2m | ▼ 8.8% |
| Amounts payable17/49 | €682,174 | €704,915 | €761,258 | €868,643 | €1.0m | ▲ 20.4% |
| Amounts payable after more than one year17 | €300,000 | €300,000 | €290,000 | €260,000 | €260,000 | = |
| Financial debts170/4 | - | €300,000 | €290,000 | €260,000 | €260,000 | = |
| Amounts payable within one year42/48 | €277,174 | €287,915 | €342,258 | €467,643 | €632,702 | ▲ 35.3% |
| Trade debts44 | - | - | €6,583 | €43,352 | €42,687 | ▼ 1.5% |
| Suppliers440/4 | - | - | €6,583 | €43,352 | €42,687 | ▼ 1.5% |
| Taxes, remuneration and social security45 | - | €938 | - | - | - | - |
| Taxes450/3 | - | €938 | - | - | - | - |
| Other amounts payable47/48 | - | €286,977 | €335,675 | €424,290 | €590,015 | ▲ 39.1% |
| Accrued charges and deferred income492/3 | - | €117,000 | €129,000 | €141,000 | €153,000 | ▲ 8.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,626 | -€70,148 | -€79,980 | -€115,826 | -€98,456 | ▲ 15.0% |
| + Depreciation and write-downs630 | €66,131 | €66,131 | €66,131 | €8,294 | €5,888 | ▼ 29.0% |
| Operating cash flow (approximation) | €85,757 | -€4,017 | -€13,849 | -€107,532 | -€92,568 | ▲ 13.9% |
| Investment in fixed assets (approximation) | - | €0 | -€8,856 | -€0 | €0 | ▲ 100% |
| Change in cash | - | €28,986 | -€33,404 | -€40,472 | €7,412 | ▲ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet -€115,826
Net result drops to -€115,826, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €19,626
Net result €19,626 after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 2006
Ground area
2,802 m²
Building footprint
3,136 m²
Volume, LiDAR
427 m³
Parcel 12392A0347/00P000, Flanders · tallest building 10.5 m. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
J & G
since 20062.154.651.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0347/00P000 | Flanders | 2,802 m² | 1 · 3,135 m² | 10.5 m |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 108 companies in this sector we hold annual accounts for 71. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded29-05-2006
Fiscal year end31-12
Activities, NACEBEL 2025
77350Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0881672392
Also
9925:BE0881672392
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.