JAFEMA

Active

Private limited companyfounded 20206 yrs activeFrançois Laurentplein 25, 9000 Gent, BelgiumKBO/BCE: BE 0743.417.995

Summary

JAFEMA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €1.2m. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch Report Compare

JAFEMAActiveChecked score 83/100

Risk analysis Report Compare

Activity

Activity not known

Size

€8.1mtotal assets 2025

Equity: €1.5m
Profit: €1.2m

Turnover not published (abridged schema)

Financial health

83 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Holdings: 4

Accounts 5 d early0 of 2 deeds read

Why 83- Liquidity: current ratio 0.51, cash €13,237- No establishment unit in the KBO+ Size: total assets €8.1m+ No main activity registeredShow the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Better than 62% of its sector peers (no NACE code, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 44+13

equity 18.9% of total assets

Liquidity 50=

short-term debt 11.0% · cash 0.2%

Profitability 76+25

return on assets 15.2%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 10 months 01-2026: 1.5%highest value 02-2026: 0.6%▼ -58.5% vs 01-2026 03-2026: 0.6%● 0.0% vs 02-2026 04-2026: 0.6%▲ +4.6% vs 03-2026 05-2026: 0.6%▼ -13.0% vs 04-2026 06-2026: 0.5%▼ -2.7% vs 05-2026 07-2026: 0.5%▲ +1.1% vs 06-2026 08-2026: 0.5%● 0.0% vs 07-2026 09-2026: 0.6%▲ +2.0% vs 08-2026 10-2026: 0.5%▼ -6.5% vs 09-2026lowest value

Size: total assets €8.1m lowers the probability for this profile
Liquidity: current ratio 0.51, cash €13,237 raises the probability
No main activity registered lowers the probability
No establishment unit in the KBO raises the probability

Credit up to €120,000 at 30 days acceptable

Liquidity short (current ratio 0.51 against 0.02 in 2024; short-term debt: 11% and cash: 0.2% of total assets), and 81.1% 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 (no NACE code, small). Better than this share of them on solvency 27%, liquidity 40%, profitability 84%, growth against the median 97%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €8.1m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 0.51, cash €13,237

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

No establishment unit in the KBO

In the bankruptcy model this factor raises the probability.

KBO · seat and establishments

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year €1.5m

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

5 d early

2024

on the day

2023

22 d early

2022

27 d early

2021

27 d early

2020

on the day

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 6 accounts on average 14 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 9 January (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-06-2026 close02-10-2026 today31-01-2027 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

26-01-26 Annual accounts filedfiscal year 2025 · abbreviated…
30-06-25 Highest result since 2020net €1.2m ▲237%
30-06-25 Equity above €1mEq €1.5m ▲237%

Key points

Positive: Result rose in 2025from €368,769 to €1.2m ▲ 237% View
Heads a groupcompanies controlled · known shareholders 100% 6 View
Positive: Always filed on timeaccounts within the deadline every year 6 years View