J&JAHS

Active

Private limited companyfounded 20196 yrs activeNieuwstraat(STE) 61, 9190 Stekene, BelgiumKBO/BCE: BE 0735.973.345

J&JAHS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €81k and a net result of €28k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 58% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

91 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability98▼-2

Solvency91▼-8

Growth52=

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 2.94 against 3.83 in 2023; short-term debt: 32.8% and cash: 87.6% of total assets), and 33.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-07-2025, 25 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

25 d early

2023

31 d early

2022

1 d early

2021

35 d early

2020

10 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€99k

EBIT margin

41.3%

Net result

€28k▼ 17.7%

2023 · €34k

2020: €55k 2021: €27k 2022: €46k 2023: €34k

2020 → 2024

Working capital

€78k▼ 4.6%

2023 · €82k

2020: €26k 2021: €62k 2022: €107k 2023: €82k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€99k

Equity€36k-€63k▲ 73.8%€109k▲ 72.1%€83k▼ 23.7%€81k▼ 2.2%

Operating result€66k-€35k▼ 47.0%€57k▲ 64.0%€49k▼ 15.2%€41k▼ 15.9%

Net result€55k-€27k▼ 51.5%€46k▲ 69.7%€34k▼ 24.7%€28k▼ 17.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 16% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €122k

96.4%

Fixed assets €4k▲ 256%

Current assets €118k▲ 6.7%

Equity and liabilities €122k

66.3%

33.7%

Equity €81k▼ 2.2%

Debt €41k▲ 42.9%

The debt ratio rises from 25.8% to 33.7%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€43k▼

2023 · €50k

Cash flow

€30k▼

2023 · €35k

Solvency

66.3%▼

2023 · 74.2%

Current ratio

2.94▼

2023 · 3.83

Quick ratio

2.94▼

2023 · 3.83

Debt / equity

0.51▲

2023 · 0.35

ROE

34.8%▼

2023 · 41.3%

ROA

23.0%▼

2023 · 30.6%

Interest coverage

20.12▼

2023 · 109.13

Debt

€41k▲

2023 · €29k

Debt ≤ 1 year

€40k▲

2023 · €29k

Income taxes

€11k▼

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€112k€122k▲

Fixed assets21/28€1k€4k▲

Tangible fixed assets22/27€1k€4k▲

Furniture and vehicles24€1k€4k▲

Current assets29/58€111k€118k▲

Amounts receivable within one year40/41€10k€10k▲

Trade receivables40€10k€10k▲

Cash at bank and in hand54/58€100k€107k▲

Deferred charges and accrued income490/1€714€733▲

Equity and liabilities

Total equity and liabilities10/49€112k€122k▲

Equity10/15€83k€81k▼

Contributions10/11€1k€1k=

Reserves13€82k€80k▼

Distributable reserves133€82k€80k▼

Amounts payable17/49€29k€41k▲

Amounts payable within one year42/48€29k€40k▲

Trade debts44€82€1k▲

Suppliers440/4€82€1k▲

Taxes, remuneration and social security45€10k€7k▼

Taxes450/3€10k€7k▼

Other amounts payable47/48€18k€32k▲

Accrued charges and deferred income492/3-€1k

Income statement Code20232024

Turnover70-€99k

Goods, raw materials, services and sundry goods60/61€54k€58k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€762€2k▲

Other operating charges640/8€682€1k▲

Gross operating margin9900€50k€44k▼

Operating profit (loss)9901€49k€41k▼

Financial charges65/66B€454€2k▲

Recurring financial charges65€454€2k▲

Profit (loss) for the period before taxes9903€48k€39k▼

Income taxes67/77€14k€11k▼

Profit (loss) for the period9904€34k€28k▼

Profit (loss) for the period to be appropriated9905€34k€28k▼

Appropriation of the result

Profit (loss) to be appropriated9906€96k€28k▼

Profit (loss) brought forward from the previous period14P€62k-

Transfer from equity791/2-€30k

Transfer to equity691/2€36k€28k▼

To other reserves6921€36k€28k▼

Profit to be distributed694/7€60k€30k▼

Return on contributions (dividend)694€60k€30k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

2025

06-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €100kEq €109k ▲72.1%

3 profitable years in a row build equity to €109k.

26-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Weakest financial yearnet €27k ▼51.5%

Net result drops to €27k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 3.53

Current ratio from 1.54 to 3.53; short-term debt falls from €49k to €25k.

21-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Stekene · 1 establishment unit since 2019

establishment The establishment unit on the map

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(STE) 619190 Stekene

Ground area

490 m²

Building footprint

115 m²

Volume, LiDAR

584 m³

Parcel 46024A1345/00B000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

J&JAHS

Nieuwstraat(STE) 61, 9190 StekeneLegal and accounting activities

since 20192.294.503.227

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46024A1345/00B000	Flanders	490 m²	1 · 115 m²	7.8 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.

Public money · subsidies and aid

Flemish government

2022 to 2023 · 2 entries · 525 EUR awarded · 525 EUR paid

Year	Entries	awarded	paid
2023	1	420 EUR	420 EUR
2022	1	105 EUR	105 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 525 EUR · 525 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

ACCOUNTANTSKANTOOR BART VERVLIET

Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 6,377 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-10-2019

Fiscal year end31-12

Activities, NACEBEL

69201Certified accountants and tax accountants

69202Legal and accounting activities

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.

Contact details

2 entries

E-mail:j.renders72@gmail.com

Enterprise

Phone:0470837839

Enterprise