JA BUSINESS
ActiveThe computed 12-month bankruptcy probability of JA BUSINESS is 1.5% (moderate). The 2024 annual accounts show equity of €10k and a net result of €-2k. Equity is growing by ~54.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 3540 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability8▼-92
Solvency84▼-16
Growth69▼-11
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.34 against 4.16 in 2023; short-term debt: 40.6% and cash: 43.9% of total assets), and 40.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
59.4%
Return on assets
-10.9%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-06-2025, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
56 d early
2023
13 d late
2022
129 d early
2021
31 d late
2020
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€72k▼ 19.9%
2023 · €89k
2020: €58k
2021: €44k
2022: €60k
2023: €89k
2020 → 2024
EBIT margin
-2.3%▼ 27.2pp
2023 · 24.9%
2020: -30.0%
2021: 10.7%
2022: -2.8%
2023: 24.9%
2020 → 2024
Net result
€-2k
2023 · €22k
2020: €-17k
2021: €4k
2022: €-2k
2023: €22k
2020 → 2024
Working capital
€9k▼ 63.4%
2023 · €26k
2020: €-14k
2021: €-12k
2022: €-13k
2023: €26k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€58k-€44k▼ 24.2%€60k▲ 35.9%€89k▲ 50.0%€72k▼ 19.9%
Equity€-14k-€-10k▲ 31.3%€-12k▼ 19.8%€27k€10k▼ 62.0%
Operating result€-17k-€5k€-2k€22k€-2k
Net result€-17k-€4k€-2k€22k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €22k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €17k
Fixed assets
€849▼ 33.6%
Current assets
€17k▼ 51.5%
Equity and liabilities €17k
Equity
€10k▼ 62.0%
Debt
€7k▼ 13.9%
The debt ratio rises from 23.1% to 40.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2023 · €23k
Cash flow
€-1k▼
2023 · €22k
Solvency
59.4%▼
2023 · 76.9%
Current ratio
2.34▼
2023 · 4.16
Quick ratio
2.34▼
2023 · 4.16
Debt / equity
0.68▲
2023 · 0.30
ROE
-18.3%▼
2023 · 80.9%
ROA
-10.9%▼
2023 · 62.1%
Interest coverage
-4.46▼
2023 · 85.08
Debt
€7k▼
2023 · €8k
Debt ≤ 1 year
€7k▼
2023 · €8k
Staff costs
€29k▼
2023 · €29k
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€35k€17k▼
Fixed assets21/28€1k€849▼
Tangible fixed assets22/27€1k€849▼
Furniture and vehicles24€1k€849▼
Current assets29/58€34k€17k▼
Amounts receivable within one year40/41€33k€9k▼
Trade receivables40€33k€9k▼
Cash at bank and in hand54/58€1k€8k▲
Equity and liabilities
Total equity and liabilities10/49€35k€17k▼
Equity10/15€27k€10k▼
Contributions10/11€20k€5k▼
Profit (loss) carried forward14€7k€5k▼
Amounts payable17/49€8k€7k▼
Amounts payable within one year42/48€8k€7k▼
Trade debts44-€270
Suppliers440/4-€270
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€801-
Income statement
Code20232024
Turnover70€89k€72k▼
Goods, raw materials, services and sundry goods60/61€36k€47k▲
Remuneration, social security and pensions62€29k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€430€430=
Other operating charges640/8€1k€3k▲
Gross operating margin9900€53k€31k▼
Operating profit (loss)9901€22k€-2k▼
Financial charges65/66B€267€269▲
Recurring financial charges65€267€269▲
Profit (loss) for the period before taxes9903€22k€-2k▼
Profit (loss) for the period9904€22k€-2k▼
Profit (loss) for the period to be appropriated9905€22k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€5k▼
Profit (loss) brought forward from the previous period14P€-15k€7k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 4.16
Current ratio from 0.35 to 4.16; short-term debt falls from €21k to €8k.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2019
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.
Route de Philippeville 4426010 CharleroiGround area
697 m²
Building footprint
161 m²
Volume, LiDAR
627 m³
Parcel 52014B0443/00L000, Wallonia · tallest building 4.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JA BUSINESS
since 20192.290.332.326
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52014B0443/00L000 | Wallonia | 696 m² | 1 · 161 m² | 4.6 m · 1 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
ANLIKAS
BE 0758.797.742
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GURNANAK
BE 0684.596.801
Brecht · Eq €10k
MOBILE CLEAN
BE 0802.891.764
Gent · Eq €10k
PANAMERAGTS
BE 0653.820.283
Fleurus · Eq €10k
REBELL
BE 0785.594.486
Brussel · Eq €11k
Of 3,209 companies in sector 95316 we hold annual accounts for 753. 472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2019
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.