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JAFRA

Active
Private limited company (pre-2019)founded 199531 yrs activeJozef Lambrechtslei 44, 2540 Hove, BelgiumKBO/BCE: BE 0454.412.633
Summary

JAFRA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,518 and a net result of €30,524. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability61▲+22
Solvency55▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.76 in 2024; short-term debt: 56.9% and cash: 3.1% of total assets), but 70.2% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 31 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
29.8%
Return on assets
8.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-11-2025, 87 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
87 d early
2024
67 d early
2023
58 d early
2022
8 d early
2021
28 d early
2020
114 d early
2019
141 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 72 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · 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.
Companies Code · seven months
Position in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
neutral · 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

History

On 27 January 1995, JAFRA was incorporated.1 Total assets went from EUR 204,644 in 2019 to EUR 347,130 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
€243,906▲ 13.7%
2019 · €214,453
EBIT margin
14.7%▲ 2.5pp
2019 · 12.2%
Net result
€30,524▲ 253%
2024 · €8,653
Working capital
€140,780▲ 0.5%
2024 · €140,124
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
Operating result€65,915▲ 84.2%€75,369▲ 14.3%€79,580▲ 5.6%€32,333▼ 59.4%€30,180▼ 6.7%
Net result€42,563▲ 63.5%-€33,750€48,459€8,653▼ 82.1%€30,524▲ 253%
EBIT margin
Equity€119,632▲ 55.2%€55,881▼ 53.3%€74,340▲ 33.0%€82,994▲ 11.6%€103,518▲ 24.7%
Total assets€403,826▲ 69.8%€320,027▼ 20.8%€335,274▲ 4.8%€335,318=€347,130▲ 3.5%
Debt€284,194▲ 76.7%€264,146▼ 7.1%€260,933▼ 1.2%€252,324▼ 3.3%€233,612▼ 7.4%
Working capital€172,000▲ 32.2%€117,387▼ 31.8%€140,267▲ 19.5%€140,124▼ 0.1%€140,780▲ 0.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
  • 2021 Total assets +70% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000Operating result 2021: €65,915€65,915Net result 2021: €42,563€42,563Operating result 2022: €75,369€75,369Net result 2022: -€33,750-€33,750Operating result 2023: €79,580€79,580Net result 2023: €48,459€48,459Operating result 2024: €32,333€32,333Net result 2024: €8,653€8,653Operating result 2025: €30,180€30,180Net result 2025: €30,524€30,52420212022202320242025€0€20,000€40,000€60,000€80,000Operating result 2023: €79,580€79,600Net result 2023: €48,459€48,500Operating result 2024: €32,333€32,300Net result 2024: €8,653€8,650Operating result 2025: €30,180€30,200Net result 2025: €30,524€30,500202320242025
The operating result has fallen two years in a row; 2025 is 7% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €347,130
Fixed assets €8,717 ▼ 11.5%
Current assets €338,412 ▲ 4.0%
Equity and liabilities €347,130
Equity €103,518 ▲ 24.7%
Provisions €10,000
Debt €233,612 ▼ 7.4%
Debt's share of the balance-sheet total falls from 75.2% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€31,312▼
2024 · €34,355
Cash flow
€31,656▲
2024 · €10,675
Current ratio
1.71▼
2024 · 1.76
Debt to equity
2.26▼
2024 · 3.04
ROE
29.5%▲
2024 · 10.4%
ROA
8.8%▲
2024 · 2.6%
Interest coverage
3.81▲
2024 · 2.01
Debt ≤ 1 year
€197,632▲
2024 · €185,345
Debt > 1 year
€35,979▼
2024 · €66,979
Income taxes
€8,554▲
2024 · €6,600
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 20 years or older
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
0.8% went bankrupt
3.8% stopped otherwise
95% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet Code20242025
Assets
Total assets20/58€335,318€347,130▲
Fixed assets21/28€9,849€8,717▼
Tangible fixed assets22/27€9,849€8,717▼
Land and buildings22€5,931€5,261▼
Plant, machinery and equipment23€340€100▼
Furniture and vehicles24€3,577€3,356▼
Current assets29/58€325,469€338,412▲
Amounts receivable within one year40/41€27,129€60,472▲
Trade receivables40€20,721€24,064▲
Other amounts receivable41€6,408€36,408▲
Current investments50/53€287,005€262,348▼
Cash at bank and in hand54/58€7,110€10,857▲
Deferred charges and accrued income490/1€4,225€4,736▲
Equity and liabilities
Total equity and liabilities10/49€335,318€347,130▲
Equity10/15€82,994€103,518▲
Contributions10/11€18,592€18,592=
Reserves13€1,859€1,859=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Profit (loss) carried forward14€62,542€83,067▲
Provisions and deferred taxes16-€10,000
Provisions for liabilities and charges160/5-€10,000
Major repairs and maintenance162-€10,000
Amounts payable17/49€252,324€233,612▼
Amounts payable after more than one year17€66,979€35,979▼
Financial debts170/4€66,979€35,979▼
Amounts payable within one year42/48€185,345€197,632▲
Current portion of amounts payable after more than one year42€131,078€160,620▲
Trade debts44€20,623€6,716▼
Suppliers440/4€20,623€6,716▼
Taxes, remuneration and social security45€20,388€22,125▲
Taxes450/3€20,388€22,125▲
Other amounts payable47/48€13,256€8,171▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,022€1,132▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€10,000
Other operating charges640/8€611€507▼
Gross operating margin9900€34,966€41,819▲
Operating profit (loss)9901€32,333€30,180▼
Financial income75/76B-€17,117
Recurring financial income75-€17,117
Financial charges65/66B€17,080€8,219▼
Recurring financial charges65€17,080€8,219▼
Profit (loss) for the period before taxes9903€15,253€39,078▲
Income taxes67/77€6,600€8,554▲
Profit (loss) for the period9904€8,653€30,524▲
Profit (loss) for the period to be appropriated9905€8,653€30,524▲
Appropriation of the result
Profit (loss) to be appropriated9906€62,542€93,067▲
Profit (loss) brought forward from the previous period14P€53,889€62,542▲
Profit to be distributed694/7-€10,000
Return on contributions (dividend)694-€10,000

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,297€2,324€2,509€2,022€1,132▼ 44.0%
Provisions for liabilities and charges: additions (uses and reversals)635/8----€10,000-
Other operating charges640/8-€450€348€611€507▼ 17.0%
Gross operating margin9900€72,661€78,142€82,436€34,966€41,819▲ 19.6%
Operating profit (loss)9901€65,915€75,369€79,580€32,333€30,180▼ 6.7%
Financial income75/76B----€17,117-
Recurring financial income75€449---€17,117-
Financial charges65/66B-€86,224€7,993€17,080€8,219▼ 51.9%
Recurring financial charges65€5,561€7,705€7,993€17,080€8,219▼ 51.9%
Non-recurring financial charges66B-€78,519----
Profit (loss) for the period before taxes9903€60,803-€10,855€71,587€15,253€39,078▲ 156%
Income taxes67/77€18,240€22,895€23,128€6,600€8,554▲ 29.6%
Profit (loss) for the period9904€42,563-€33,750€48,459€8,653€30,524▲ 253%
Profit (loss) for the period to be appropriated9905€42,563-€33,750€48,459€8,653€30,524▲ 253%
Line20212022202320242025Change
Assets
Total assets20/58€403,826€320,027€335,274€335,318€347,130▲ 3.5%
Fixed assets21/28€7,789€7,674€11,871€9,849€8,717▼ 11.5%
Tangible fixed assets22/27€7,789€7,674€11,871€9,849€8,717▼ 11.5%
Land and buildings22-€2,835€7,492€5,931€5,261▼ 11.3%
Plant, machinery and equipment23-€821€580€340€100▼ 70.5%
Furniture and vehicles24-€4,019€3,798€3,577€3,356▼ 6.2%
Current assets29/58€396,037€312,353€323,403€325,469€338,412▲ 4.0%
Amounts receivable within one year40/41€39,926€41,486€27,129€27,129€60,472▲ 123%
Trade receivables40-€31,631€20,721€20,721€24,064▲ 16.1%
Other amounts receivable41-€9,855€6,408€6,408€36,408▲ 468%
Current investments50/53€338,520€258,558€287,005€287,005€262,348▼ 8.6%
Cash at bank and in hand54/58€17,591€12,309€9,269€7,110€10,857▲ 52.7%
Deferred charges and accrued income490/1---€4,225€4,736▲ 12.1%
Equity and liabilities
Total equity and liabilities10/49€403,826€320,027€335,274€335,318€347,130▲ 3.5%
Equity10/15€119,632€55,881€74,340€82,994€103,518▲ 24.7%
Contributions10/11-€18,592€18,592€18,592€18,592=
Reserves13€139,429€1,859€1,859€1,859€1,859=
Non-distributable reserves130/1-€1,859€1,859€1,859€1,859=
Reserves not available under the articles1311-€1,859€1,859€1,859€1,859=
Profit (loss) carried forward14-€38,389€35,430€53,889€62,542€83,067▲ 32.8%
Provisions and deferred taxes16----€10,000-
Provisions for liabilities and charges160/5----€10,000-
Major repairs and maintenance162----€10,000-
Amounts payable17/49€284,194€264,146€260,933€252,324€233,612▼ 7.4%
Amounts payable after more than one year17€60,157€69,180€77,798€66,979€35,979▼ 46.3%
Financial debts170/4-€69,180€77,798€66,979€35,979▼ 46.3%
Amounts payable within one year42/48€224,037€194,966€183,135€185,345€197,632▲ 6.6%
Current portion of amounts payable after more than one year42-€136,272€131,382€131,078€160,620▲ 22.5%
Trade debts44€18,640€5,160€4,206€20,623€6,716▼ 67.4%
Suppliers440/4-€5,160€4,206€20,623€6,716▼ 67.4%
Taxes, remuneration and social security45-€37,169€35,267€20,388€22,125▲ 8.5%
Taxes450/3-€37,169€35,267€20,388€22,125▲ 8.5%
Other amounts payable47/48-€16,366€12,281€13,256€8,171▼ 38.4%
Line20212022202320242025Change
Profit (loss) for the period9904€42,563-€33,750€48,459€8,653€30,524▲ 253%
+ Depreciation and write-downs630€6,297€2,324€2,509€2,022€1,132▼ 44.0%
Operating cash flow (approximation)€48,860-€31,427€50,968€10,675€31,656▲ 197%
Investment in fixed assets (approximation)--€2,209-€6,706€0€0-
Change in cash--€5,282-€3,041-€2,159€3,747▲ 274%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
05-11
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial Equity above €100,000Eq €103,518 ▲24.7%
3 profitable years in a row build equity to €103,518.
2024
25-11
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
04-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial Back to profitnet €48,459
Net result €48,459 after one loss-making year.
23-01
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial Weakest financial yearnet -€33,750
Net result drops to -€33,750, the lowest in the series; recovery starts the following year.
03-01
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial Equity above €100,000Eq €119,632 ▲55.2%
3 profitable years in a row build equity to €119,632.
2020
09-10
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
12-09
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-10
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
04-10
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
18-11
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Hove · 1 establishment unit since 1995
seat establishment The establishment unit on the map
Ground area
197 m²
Building footprint
197 m²
Volume, LiDAR
1,377 m³
Parcel 11021A0073/00E002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
JAFRA
Jozef Lambrechtslei 44, 2540 HoveNACE 7230001
since 19952.070.659.790
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11021A0073/00E002 Flanders 197 m² 1 · 197 m² 10.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner · 1 holding · 2 subsidiaries in the tree

Chain of control

  1. FRAJA HOLDING 99%
  2. JAFRA

Highest known parent: FRAJA HOLDING. The sources do not say who stands above it.

All subsidiaries, including indirect ones 2

Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.

According to the annual accounts to 30-06-2025 of JAFRA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 40,644 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 (pre-2019)
Founded27-01-1995
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
52250Logistics services
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID 0208:0454412633
Registered 27-03-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.