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Complete company report
Generated 04-09-2026
Active BE 0816.729.310Public limited company

J&K

Diksmuidelaan 130 ·2600 Antwerpen, Belgium· 17 yrs active
Sector: Artisanal bread and fresh pastry making (10712)
Conclusion Checked

J&K has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219k and a net result of €40k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 41 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €219k
Net result €40k
Staff (FTE) 5.5
Better than sector 48%
Financial profile 5 of 5 axes measured · computed by Checked
Health58Profitability92Solvency44Growth78Stability100
74 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 58
Profitability 92
Solvency 44
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.9% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
58 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview16 NBB filings
Annual accounts filed on 09-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
€0€20k€40k€60k€80kOperating result 2023: €46k€46kNet result 2023: €20k€20kOperating result 2024: €79k€79kNet result 2024: €41k€41kOperating result 2025: €59k€59kNet result 2025: €40k€40k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~21.9%/year over 3 fiscal years, indicative, assuming unchanged policy.
€100k€200k€300k€400k2026: €259k (€241k - €276k)2027: €298k (€280k - €315k)2028: €337k (€320k - €355k)2023: €141k2024: €179k2025: €219k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 10, Manufacture of food products · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 30.3% 31.6%
better than 48% of 41 sector peers
Net result €40k €59k
better than 37% of 40 sector peers
Equity €219k €231k
better than 49% of 41 sector peers
Gross operating margin €288k €394k
better than 33% of 40 sector peers
Staff costs €147k €176k
higher than 38% of 35 sector peers
EBITDA
€120k
-22.1% 23-25
Net profit
€40k
-2.6% 23-25
Cash flow
€101k
-13.6% 23-25
Total assets
€725k
+13.8% 23-25
Equity
€219k
+22.5% 23-25
Working capital
€-70k
+57.4% 23-25
Employees (FTE)
6
-16.7% 23-25
Staff costs
€147k
-4.1% 23-25
Income taxes
€14k
-31.3% 23-25
Debt
€505k
+10.4% 23-25
Debt ≤ 1y
€490k
+10.7% 23-25
Debt > 1y
€15k
0.0% 23-25
Current ratio
0.86
+36.6% 23-25
Quick ratio
0.72
+17.9% 23-25
Solvency
30.3%
+7.7% 23-25
Debt / equity
2.30
-9.9% 23-25
ROE
18.4%
-20.5% 23-25
ROA
5.6%
-14.4% 23-25
Interest coverage
25.46
+180.1% 23-25
Figures by fiscal year and ratios
Fiscal year2025
Depositabbreviated schema
Revenue-
EBITDA€120k
Net profit€40k
Cash flow€101k
Staff costs€147k
Income taxes€14k
Dividends-
Total assets€725k
Equity€219k
Debt€505k
of which ≤ 1y€490k
of which > 1y€15k
Working capital€-70k
Employees (FTE)5.5
Ratios (computed)
2025
Current ratio0.86
Quick ratio0.72
Working capital ratio-9.7%
Solvency30.3%
Debt / equity2.30
Long-term debt ratio0.07
Interest coverage25.46
Gross margin-
Net margin-
ROA5.6%
ROE18.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (27 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€725k
Fixed assets 21/28€302k
Formation expenses 20€2k
Intangible fixed assets 21€0
Tangible fixed assets 22/27€296k
Financial fixed assets 28€6k
Current assets 29/58€420k
Stocks & contracts in progress 3€68k
Amounts receivable within one year 40/41€180k
Cash & bank 54/58€107k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€725k
Equity 10/15€219k
Contributions / capital 10/11€75k
Reserves 13€138k
Accumulated profits (losses) 14€7k
Amounts payable 17/49€505k
Amounts payable after one year 17€15k
Amounts payable within one year 42/48€490k
Trade debts payable within one year 44€200k
Income statement
Gross operating margin 9900€288k
Operating result 9901€59k
Financial income 75€0
Financial charges 65€5k
Result before taxes 9903€54k
Income taxes 67/77€14k
Net result for the period 9904€40k
Result to be appropriated 9905€40k
Directors & mandates 17 directors
Current directors & mandates
  • Yattou Yamal
    Director
    State Gazette act 23070884 (31-05-2023)
    Current
    31-05-2023 → present
  • El Jafoufi Abdelhamid
    Director
    State Gazette act 23064580 (15-05-2023)
    Current
    15-05-2023 → present
    2 events
    • 23-11-2023 Resigned· Non-statutory director
    • 15-05-2023 Appointed· Director
Historic, not recently confirmed (7)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Ouafa Choual
    Bestuurder, gedelegeerd bestuurder
    State Gazette act 17141656 (06-10-2017)
    Not recently confirmed
    last confirmed in an act from 2017
  • Conte Zakaria
    Director
    State Gazette act 17057727 (24-04-2017)
    Not recently confirmed
    last confirmed in an act from 2017
    2 events
    • 19-04-2022 Resigned· Director
    • 24-04-2017 Appointed· Director
  • El Jafoufi Agdelhamid
    Director
    State Gazette act 17040823 (17-03-2017)
    Not recently confirmed
    last confirmed in an act from 2017
  • Abelhakim Jabban
    Raad van bestuur
    State Gazette act 17024406 (14-02-2017)
    Not recently confirmed
    last confirmed in an act from 2017
  • Mohamed Yattou
    Raad van bestuur
    State Gazette act 17024406 (14-02-2017)
    Not recently confirmed
    last confirmed in an act from 2017
2 further historic mandates in this list. Available in Kantoor S.
Former directors (8)
  • Bram Debusschere
    Director
    State Gazette act 22049158 (19-04-2022)
    Former
    19-04-2022 → 31-05-2023
    2 events
    • 31-05-2023 Resigned· Director
    • 19-04-2022 Appointed· Director
  • Jafoufi Abdelhamid
    Director
    State Gazette act 21097707 (13-08-2021)
    Former
    - → 13-08-2021
  • Iman Fadis
    Director
    State Gazette act 18133845 (04-09-2018)
    Former
    04-09-2018 → 18-02-2019
    2 events
    • 18-02-2019 Resigned· Director
    • 04-09-2018 Appointed· Director
  • Yattou Mohammed
    Director
    State Gazette act 18133845 (04-09-2018)
    Former
    - → 04-09-2018
  • Jamal Yattou
    Managing director
    State Gazette act 16112673 (09-08-2016)
    Former
    09-08-2016 → 06-10-2017
    2 events
    • 06-10-2017 Resigned· Bestuurder, gedelegeerd bestuurder
    • 09-08-2016 Appointed· Managing director
3 further former directors in the mandate history. Available in Kantoor S. See plans →
Legal Structure
NACE primary Artisanal bread and fresh pastry making(10712)
Legal form Public limited company(014)
Incorporation02-07-2009
StatusActive
Postal code2600
Establishment units 3 locations
J&K
Diksmuidelaan 130, 2600 AntwerpenArtisanal bread and fresh pastry making
since 20092.179.933.062
Jezusstraat 48, 2000 Antwerpen
Retail sale of bread and pastry (bakery outlets)
since 20132.236.532.859
j&k
Gitschotellei 375, 2140 AntwerpenRetail sale of bread and pastry (bakery outlets)
since 20142.236.936.103
Real-estate footprint Source: CBE × cadastre
Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11302A0067/00Y002 Flanders 404 m² 1 · 404 m² 10.8 m · 1 fl.
11803C0017/00D000 Flanders 298 m² 1 · 297 m² 29.2 m · 9 fl.
11313B0848/00G015 Flanders 263 m² 1 · 271 m² 11.4 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 23 events
2016 2016: 1 State Gazette act 2017 2017: 5 State Gazette acts, 1 NBB filing 2018 2018: 1 State Gazette act, 1 NBB filing 2019 2019: 1 State Gazette act, 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 State Gazette act, 1 NBB filing 2022 2022: 1 State Gazette act, 1 NBB filing 2023 2023: 3 State Gazette acts, 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing 2026 2026: 1 NBB filing
2026
09-07-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-11-2025 NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-09-2024 NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-11-2023 State Gazette act Director changes
v3.2
29-09-2023 NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
31-05-2023 State Gazette act Director changes
v3.2
15-05-2023 State Gazette act Director changes
v3.2
2022
29-08-2022 NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
19-04-2022 State Gazette act Director changes
v3.2
2021
13-08-2021 State Gazette act Director changes
v3.2
15-07-2021 NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-09-2020 NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-08-2019 NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
18-02-2019 State Gazette act Director changes
v3.2
2018
04-09-2018 State Gazette act Director changes
v3.2
20-08-2018 NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-10-2017 State Gazette act Director changes
v3.2
22-08-2017 State Gazette act Director changes
v3.2
07-08-2017 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
24-04-2017 State Gazette act Director changes
v3.2
17-03-2017 State Gazette act Director changes
v3.2
14-02-2017 State Gazette act Director changes
v3.2
2016
09-08-2016 State Gazette act Director changes
v3.2
Belgian State Gazette reading coverage 0 of 17 acts read

We know of 17 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 13 acts
All acts · 13 updated 2 years ago
2023
23-11-2023 Abdelhamid El Jafoufi resigns as non-statutory director Director changes
  • Abdelhamid El Jafoufi, Niet-statutair bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "niet-statutaire bestuurder",
      "person": {
        "rrn": null,
        "name": "Abdelhamid El Jafoufi",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
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    "name_full": "J\u0026K"
  }
}
31-05-2023 1 director appointed, 1 resigning Director changes
  • Yattou Yamal, Bestuurder
  • Bram Debusschere, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bram Debusschere",
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      }
    },
    {
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      "role": "bestuurder",
      "person": {
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        "name": "Yattou Yamal",
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  }
}
15-05-2023 El Jafoufi Abdelhamid appointed as director Director changes
  • El Jafoufi Abdelhamid, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "El Jafoufi Abdelhamid",
        "address": null,
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    }
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  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
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  }
}
2022
19-04-2022 1 director appointed, 1 resigning Director changes
  • Bram Debusschere, Bestuurder
  • Zakaria Conte, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bram Debusschere",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Zakaria Conte",
        "address": null,
        "birth_date": null
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  ],
  "schema": "v3.2",
  "act_meta": {
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  "subject_company": {
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  }
}
2021
13-08-2021 Jafoufi Abdelhamid resigns as director Director changes
  • Jafoufi Abdelhamid, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jafoufi Abdelhamid",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
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  },
  "subject_company": {
    "kbo": "0816.729.310",
    "name_full": "J\u0026K"
  }
}
2019
18-02-2019 Iman Fadis resigns as director Director changes
  • Iman Fadis, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Iman Fadis",
        "address": null,
        "birth_date": null
      }
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  ],
  "schema": "v3.2",
  "act_meta": {
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  },
  "subject_company": {
    "kbo": "0816.729.310",
    "name_full": "J\u0026K"
  }
}
2018
04-09-2018 1 director appointed, 2 resigning Director changes
  • Iman Fadis, Bestuurder
  • Yattou Mohammed, Bestuurder
  • Yattou Youssef, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Yattou Mohammed",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Yattou Youssef",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Iman Fadis",
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      }
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  ],
  "schema": "v3.2",
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}
2017
06-10-2017 1 director appointed, 1 resigning Director changes
  • Ouafa Choual, Bestuurder, gedelegeerd bestuurder
  • Jamal Yattou, Bestuurder, gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder, gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "Jamal Yattou",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder, gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "Ouafa Choual",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
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}
22-08-2017 3 resigning Director changes
  • Carime Yattou, Bestuurder
  • Abelhakim Jabbari, Bestuurder
  • Al Mazyani Fatiha, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
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    },
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    {
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  "subject_company": {
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  }
}
24-04-2017 2 directors appointed Director changes
  • Conte Zakaria, Bestuurder
  • Al Mazyani Fatiha, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Conte Zakaria",
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    },
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  "subject_company": {
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  }
}
17-03-2017 El Jafoufi Agdelhamid appointed as director Director changes
  • El Jafoufi Agdelhamid, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "El Jafoufi Agdelhamid",
        "address": null,
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      }
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  ],
  "schema": "v3.2",
  "act_meta": {
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  },
  "subject_company": {
    "kbo": "0816.729.310",
    "name_full": "J\u0026K"
  }
}
14-02-2017 4 directors appointed Director changes
  • Carime Yattou, Raad van bestuur
  • Mohamed Yattou, Raad van bestuur
  • Abelhakim Jabban, Raad van bestuur
  • Youssef Yattou, Raad van bestuur
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Carime Yattou",
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    },
    {
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      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Mohamed Yattou",
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    },
    {
      "kind": "director_in",
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        "name": "Abelhakim Jabban",
        "address": null,
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      }
    },
    {
      "kind": "director_in",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Youssef Yattou",
        "address": null,
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    }
  ],
  "schema": "v3.2",
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  "subject_company": {
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    "name_full": "J\u0026K"
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}
2016
09-08-2016 2 directors appointed Director changes
  • Jamal Yattou, Gedelegeerd bestuurder
  • Oufa Choual, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "Jamal Yattou",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "Oufa Choual",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0816.729.310",
    "name_full": "J\u0026K"
  }
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Artisanal bread and fresh pastry making10712Manufacture of food products10720Retail sale of bread and pastry (bakery outlets)47241Limited-service restaurants56102Limited-service restaurants, excluding mobile food services56112
Names & trade names
Legal nameNL J&K
Similar companies Comparable size · 1,749 of 4,218 companies in this sector with filed accounts
VANGRONSVELD BAKKERIJ BE 0870.734.752 · Bilzen-Hoeselt
BROOD EN BANKET BROUGMANS BE 0650.556.036 · Sint-Truiden
MAISON DEVOS BE 0870.277.961 · Tournai
BAKKERIJ ROBIN BE 0897.338.288 · Antwerpen
VLAANDEREN BAKKERIJ BE 0849.874.210 · Gent
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative