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J-SAY

Active
Private limited companyfounded 20233 yrs activeGuldenschaapstraat 6, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0795.922.810
Summary

The computed 12-month bankruptcy probability of J-SAY is 8.9% (elevated). The 2025 annual accounts show equity of €16,662 and a net result of €16,824. Equity is growing by ~316.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 16078 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 4 administrative register entries (see administrative flags).

Risk analysisWatch ReportCompare
J-SAYActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Limited-service restaurants, excluding mobile food services
NACE 56112
1 site
Size
€78,143total assets 2025
Equity
€16,662
Profit
€16,824
Turnover not published (abridged schema)
Financial health
36 Weak Checked score 2025
Bankruptcy chance 12 m
8.9%
Structure
Accounts filed 61 d late0 of 3 deeds read
Why 36- Sector Food and beverage service activities (NACE 56)- Latest accounts 61 days late; 1 of the last 3 late- Founded in 2023+ Liquidity: current ratio 1.27, cash €53,440Show the evidence

Checked score

Score 2025
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 70% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 46+22
equity 21.3% of total assets
Liquidity 57+52
short-term debt 78.7% · cash 68.4%
Profitability 91+29
return on assets 21.5%
Bankruptcy probability, 12 months
8.9% Elevated
0%0.5%1.5%4%10%≥ 25%

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,529 companies)
Last 24 months 11-2024: 4.8% 12-2024: 4.8%▼ -0.5% vs 11-2024lowest value 01-2025: 4.8%▲ +1.6% vs 12-2024 02-2025: 4.9%▲ +1.1% vs 01-2025 03-2025: 8.9%▲ +81.2% vs 02-2025 04-2025: 9.0%▲ +1.5% vs 03-2025 05-2025: 9.1%▲ +0.6% vs 04-2025 06-2025: 10.1%▲ +11.1% vs 05-2025 07-2025: 10.6%▲ +5.2% vs 06-2025 08-2025: 9.3%▼ -11.8% vs 07-2025 09-2025: 9.3%● 0.0% vs 08-2025 10-2025: 11.2%▲ +20.5% vs 09-2025 11-2025: 11.2%● 0.0% vs 10-2025 12-2025: 11.2%● 0.0% vs 11-2025 01-2026: 11.2%▼ -0.9% vs 12-2025 02-2026: 11.2%● 0.0% vs 01-2026 03-2026: 11.4%▲ +1.9% vs 02-2026 04-2026: 13.4%▲ +18.1% vs 03-2026 05-2026: 15.6%▲ +16.5% vs 04-2026 06-2026: 15.8%▲ +1.1% vs 05-2026 07-2026: 16.4%▲ +3.4% vs 06-2026 08-2026: 16.9%▲ +3.2% vs 07-2026highest value 09-2026: 15.8%▼ -6.6% vs 08-2026 10-2026: 8.9%▼ -43.7% vs 09-2026
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Latest accounts 61 days late; 1 of the last 3 late raises the probability
  • Founded in 2023 raises the probability for this profile
  • Liquidity: current ratio 1.27, cash €53,440 lowers the probability
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.27 against 0.99 in 2024; short-term debt: 78.7% and cash: 68.4% of total assets), and 78.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 43%, liquidity 60%, profitability 80%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Latest accounts 61 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2023
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.27, cash €53,440
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 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 · 3 filings
Deviation from the deadline
2025
61 d late
2024
13 d early
2023
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
4 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struck×2Address strikeout annulledAddress strikeout stopped
Checked, nothing found (1)
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. Usually files around 31 August (3 of the last 3 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2023net €16,824 ▲469%
  3. Address strikeout annulledKBO administration

Key points

  • Caution: Latest accounts filed lateafter the legal deadline 61 d View
  • Total assets 20253 fiscal years filed €78,143 View
  • Active since 2023founded 09-01-2023 3 years View

By topic

Financials

Fiscal year
2025
Total assets
€78,143
Profit
€16,824
Solvency
21.3%
Total assets▲ 158%
Net result
20232025
Go to Financials

Timeline

Events
9
Since
2024
Next accounts
by 31-07-2027
  1. 30-09-2026Annual accounts filed
  2. 31-12-2025Highest result since 2023
  3. 26-09-2025Address strikeout annulled
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
09-01-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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