JAD SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of JAD SERVICES is 1.9% (moderate). The 2025 annual accounts show equity of €92k and a net result of €8k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 10407 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability46▼-5
Solvency65▲+20
Growth85=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.26 in 2024; short-term debt: 59.8% and cash: 1.6% of total assets), but 59.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.2%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-07-2026, 26 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
26 d early
2024
28 d late
2023
120 d late
2022
27 d late
2021
31 d late
2020
115 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.36M▼ 3.9%
2023 · €1.42M
EBIT margin
0.6%▼ 1.2pp
2023 · 1.8%
Net result
€8k▼ 70.6%
2024 · €28k
Working capital
€91k▼ 13.2%
2024 · €104k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€903k▲ 171%€1.22M▲ 34.9%€1.42M▲ 16.2%€1.36M
Operating result€18k▲ 1.9%€14k▼ 21.8%€26k▲ 81.4%€35k▲ 36.5%€8k▼ 76.7%
Net result€14k▼ 20.5%€11k▼ 20.1%€25k▲ 135%€28k▲ 8.8%€8k▼ 70.6%
EBIT margin2.0%▼ 3.3pp1.2%▼ 0.8pp1.8%▲ 0.7pp0.6%
Equity€40k▲ 56.7%€51k▲ 26.8%€77k▲ 49.7%€104k▲ 36.1%€92k▼ 11.8%
Total assets€134k▲ 98.4%€244k▲ 82.0%€535k▲ 119%€512k▼ 4.3%€229k▼ 55.3%
Debt€94k▲ 124%€193k▲ 106%€459k▲ 138%€408k▼ 11.1%€137k▼ 66.4%
Working capital€40k▲ 56.7%€51k▲ 26.8%€77k▲ 49.7%€104k▲ 36.1%€91k▼ 13.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€1k
Current assets
€228k
Equity and liabilities €229k
Equity
€92k ▼ 11.8%
Debt
€137k ▼ 66.4%
Debt's share of the balance-sheet total falls from 79.6% to 59.8%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.66▲
2024 · 1.26
Quick ratio
1.06▲
2024 · 0.71
Debt to equity
1.49▼
2024 · 3.90
ROE
8.8%▼
2024 · 26.5%
ROA
3.6%▼
2024 · 5.4%
Debt ≤ 1 year
€137k▼
2024 · €408k
Staff costs
€50k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €903k | €1.22M | €1.42M | - | €1.36M | - |
| Goods, raw materials, services and sundry goods60/61 | €891k | €1.20M | €1.37M | €1.15M | €1.30M | ▲ 13.8% |
| Remuneration, social security and pensions62 | - | - | - | €11k | €50k | ▲ 363% |
| Other operating charges640/8 | €701 | €4k | €17k | €184 | €692 | ▲ 276% |
| Gross operating margin9900 | €19k | €18k | €42k | €46k | €59k | ▲ 27.9% |
| Operating profit (loss)9901 | €18k | €14k | €26k | €35k | €8k | ▼ 76.7% |
| Financial charges65/66B | €3k | €985 | €322 | €157 | €70 | ▼ 55.4% |
| Recurring financial charges65 | €3k | €985 | €322 | €157 | €70 | ▼ 55.4% |
| Profit (loss) for the period before taxes9903 | €15k | €13k | €25k | €35k | €8k | ▼ 76.8% |
| Income taxes67/77 | €2k | €2k | - | €7k | - | - |
| Profit (loss) for the period9904 | €14k | €11k | €25k | €28k | €8k | ▼ 70.6% |
| Profit (loss) for the period to be appropriated9905 | €14k | €11k | €25k | €28k | €8k | ▼ 70.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €134k | €244k | €535k | €512k | €229k | ▼ 55.3% |
| Fixed assets21/28 | - | - | - | - | €1k | - |
| Tangible fixed assets22/27 | - | - | - | - | €1k | - |
| Furniture and vehicles24 | - | - | - | - | €1k | - |
| Current assets29/58 | €134k | €244k | €535k | €512k | €228k | ▼ 55.6% |
| Stocks and contracts in progress3 | €116k | €186k | €247k | €224k | €83k | ▼ 63.0% |
| Stocks30/36 | €116k | €186k | €247k | €224k | €83k | ▼ 63.0% |
| Amounts receivable within one year40/41 | €12k | €56k | €282k | €260k | €141k | ▼ 45.8% |
| Trade receivables40 | €7k | €56k | €282k | €260k | €138k | ▼ 46.9% |
| Other amounts receivable41 | €5k | - | - | - | €3k | - |
| Cash at bank and in hand54/58 | €6k | €1k | €6k | €29k | €4k | ▼ 87.3% |
| Deferred charges and accrued income490/1 | - | €1k | - | - | €531 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €134k | €244k | €535k | €512k | €229k | ▼ 55.3% |
| Equity10/15 | €40k | €51k | €77k | €104k | €92k | ▼ 11.8% |
| Contributions10/11 | €6k | €6k | €20k | €20k | €20k | = |
| Capital10 | €6k | - | - | €20k | - | - |
| Issued capital100 | €19k | - | - | €20k | - | - |
| Uncalled capital101 | €12k | - | - | €89 | - | - |
| Outside capital11 | - | €6k | €20k | - | €20k | - |
| Other1109/19 | - | €6k | €20k | - | €20k | - |
| Reserves13 | €2k | €2k | - | - | - | - |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Legal reserve130 | €2k | €2k | - | - | - | - |
| Profit (loss) carried forward14 | €33k | €43k | €57k | €85k | €72k | ▼ 14.6% |
| Amounts payable17/49 | €94k | €193k | €459k | €408k | €137k | ▼ 66.4% |
| Amounts payable within one year42/48 | €94k | €193k | €459k | €408k | €137k | ▼ 66.4% |
| Current portion of amounts payable after more than one year42 | - | €51k | €147k | €147k | €69k | ▼ 52.8% |
| Trade debts44 | €68k | €107k | €251k | €197k | €48k | ▼ 75.5% |
| Suppliers440/4 | €68k | €107k | €251k | €197k | €48k | ▼ 75.5% |
| Taxes, remuneration and social security45 | - | €3k | €3k | €19k | €19k | ▼ 1.2% |
| Taxes450/3 | - | €3k | €3k | €5k | €5k | ▼ 7.1% |
| Remuneration and social security454/9 | - | - | - | €14k | €14k | ▲ 0.9% |
| Other amounts payable47/48 | €25k | €32k | €57k | €45k | €696 | ▼ 98.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €11k | €25k | €28k | €8k | ▼ 70.6% |
| Operating cash flow (approximation) | €14k | €11k | €25k | €28k | €8k | ▼ 70.6% |
| Change in cash | - | €-5k | €5k | €23k | €-25k | ▼ 211% |
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
Next filing, fiscal year 2026, expected by
2026
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €28k ▲8.8%
Operating result €35k, net result €28k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲36.1%
7 profitable years in a row build equity to €104k.
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 120 days late
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 15.60
Current ratio from 4.08 to 15.60; short-term debt falls from €3k to €3k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 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
3 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, Sint-Jans-Molenbeek · 2 establishment units since 2017
Ground area
9,269 m²
Building footprint
536 m²
Volume, LiDAR
9,839 m³
2 parcels, Brussels, Wallonia · tallest building 37.3 m, ±12 floors. Linked by address, not a title deed.
28
companies at this address
See who is registered here
2 establishment units
JAD SERVICES
since 20172.264.712.943
AUTO JAD
since 20192.301.564.431
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0861/00D000 | Brussels | 7,479 m² | 1 · 287 m² | 37.3 m · 12 fl. |
| 92126C0368/00D000 | Wallonia | 1,790 m² | 1 · 250 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,665 companies in sector 47811 we hold annual accounts for 5,220. 3,615 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95316Washing and cleaning of motor vehicles
46713Wholesale trade
47830Retail sale of motorcycles and motorcycle parts and accessories
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
52210Service activities incidental to land transportation
Scores and ratios are computed by Checked and are not a credit decision.