Summary
JAKA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €41,385 and a net result of €4,612. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 2463 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
31 d early
2023
on the day
2022
31 d early
2021
33 d early
2020
2 d early
2019
21 d late
← 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 10 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 30 June (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Grez-Doiceau, Finance and insurance sector
Equity
€41,385▼ 52.7%
2024 · €87,523
Net result
€4,612▼ 40.9%
2024 · €7,798
Total assets
€81,903▼ 16.6%
2024 · €98,242
Solvency
50.5%▼ 38.6pp
2024 · 89.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€17,409▼ 47.1%€6,826▼ 60.8%-€4,563€11,935€7,202▼ 39.7%
Net result€11,796within the sector's middle half▼ 47.1%€5,198within the sector's middle half▼ 55.9%-€2,127below the sector's middle half€7,798within the sector's middle half€4,612below the sector's middle half▼ 40.9%
Equity€76,653within the sector's middle half▲ 18.2%€81,851within the sector's middle half▲ 6.8%€79,725within the sector's middle half▼ 2.6%€87,523within the sector's middle half▲ 9.8%€41,385within the sector's middle half▼ 52.7%
Total assets€92,136below the sector's middle half▲ 17.1%€92,856below the sector's middle half▲ 0.8%€90,115below the sector's middle half▼ 3.0%€98,242below the sector's middle half▲ 9.0%€81,903below the sector's middle half▼ 16.6%
Debt€15,482▲ 12.1%€11,005▼ 28.9%€10,391▼ 5.6%€10,719▲ 3.2%€40,518▲ 278%
Working capital€75,854within the sector's middle half▲ 20.0%€79,445within the sector's middle half▲ 4.7%€78,480within the sector's middle half▼ 1.2%€87,276within the sector's middle half▲ 11.2%€41,487within the sector's middle half▼ 52.5%
Solvency83.2%above the sector's middle half▲ 0.7pp88.1%above the sector's middle half▲ 5.0pp88.5%above the sector's middle half▲ 0.3pp89.1%above the sector's middle half▲ 0.6pp50.5%within the sector's middle half▼ 38.6pp
Current ratio5.90above the sector's middle half▲ 0.328.22above the sector's middle half▲ 2.328.56above the sector's middle half▲ 0.349.17above the sector's middle half▲ 0.612.03within the sector's middle half▼ 7.14
Return on assets (ROA)12.8%within the sector's middle half▼ 15.5pp5.6%within the sector's middle half▼ 7.2pp-2.4%below the sector's middle half▼ 8.0pp7.9%within the sector's middle half▲ 10.3pp5.6%within the sector's middle half▼ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €81,903
Equity
€41,385 ▼ 52.7%
Debt
€40,518 ▲ 278%
Debt's share of the balance-sheet total rises from 10.9% to 49.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
11.1%▲
2024 · 8.9%
Debt ≤ 1 year
€40,416▲
2024 · €10,686
Income taxes
€2,909▼
2024 · €4,457
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €841 | €1,821 | €1,156 | €970 | €281 | ▼ 71.1% |
| Other operating charges640/8 | €358 | €362 | €411 | €426 | €445 | ▲ 4.4% |
| Gross operating margin9900 | €18,608 | €9,009 | -€2,997 | €13,331 | €7,927 | ▼ 40.5% |
| Operating profit (loss)9901 | €17,409 | €6,826 | -€4,563 | €11,935 | €7,202 | ▼ 39.7% |
| Financial income75/76B | €0 | €1,647 | €3,437 | €409 | €362 | ▼ 11.4% |
| Recurring financial income75 | €0 | €1,647 | €3,437 | €409 | €362 | ▼ 11.4% |
| Financial charges65/66B | €43 | €44 | €51 | €89 | €42 | ▼ 52.4% |
| Recurring financial charges65 | €43 | €44 | €51 | €89 | €42 | ▼ 52.4% |
| Profit (loss) for the period before taxes9903 | €17,365 | €8,429 | -€1,177 | €12,255 | €7,522 | ▼ 38.6% |
| Income taxes67/77 | €5,570 | €3,231 | €950 | €4,457 | €2,909 | ▼ 34.7% |
| Profit (loss) for the period9904 | €11,796 | €5,198 | -€2,127 | €7,798 | €4,612 | ▼ 40.9% |
| Profit (loss) for the period to be appropriated9905 | €11,796 | €5,198 | -€2,127 | €7,798 | €4,612 | ▼ 40.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €92,136 | €92,856 | €90,115 | €98,242 | €81,903 | ▼ 16.6% |
| Formation expenses20 | - | €86 | - | - | - | - |
| Fixed assets21/28 | €799 | €2,320 | €1,251 | €281 | - | - |
| Tangible fixed assets22/27 | €799 | €2,320 | €1,251 | €281 | - | - |
| Furniture and vehicles24 | €799 | €2,320 | €1,251 | €281 | - | - |
| Current assets29/58 | €91,337 | €90,450 | €88,865 | €97,961 | €81,903 | ▼ 16.4% |
| Amounts receivable within one year40/41 | €12,374 | €64,193 | €63,959 | €21,297 | €17,376 | ▼ 18.4% |
| Trade receivables40 | €10,943 | €20,219 | €15,988 | €19,239 | €17,216 | ▼ 10.5% |
| Other amounts receivable41 | €1,430 | €43,974 | €47,971 | €2,058 | €159 | ▼ 92.2% |
| Current investments50/53 | - | - | - | €60,225 | - | - |
| Cash at bank and in hand54/58 | €78,129 | €25,438 | €23,986 | €15,544 | €63,605 | ▲ 309% |
| Deferred charges and accrued income490/1 | €834 | €819 | €919 | €895 | €922 | ▲ 3.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €92,136 | €92,856 | €90,115 | €98,242 | €81,903 | ▼ 16.6% |
| Equity10/15 | €76,653 | €81,851 | €79,725 | €87,523 | €41,385 | ▼ 52.7% |
| Contributions10/11 | €18,592 | €20,451 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €37,859 | €41,000 | €42,859 | €50,359 | €22,459 | ▼ 55.4% |
| Non-distributable reserves130/1 | €1,859 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | - | - | - | - | - |
| Distributable reserves133 | €36,000 | €41,000 | €42,859 | €50,359 | €22,459 | ▼ 55.4% |
| Profit (loss) carried forward14 | €20,202 | €20,400 | €18,273 | €18,572 | €334 | ▼ 98.2% |
| Amounts payable17/49 | €15,482 | €11,005 | €10,391 | €10,719 | €40,518 | ▲ 278% |
| Amounts payable within one year42/48 | €15,482 | €11,005 | €10,384 | €10,686 | €40,416 | ▲ 278% |
| Trade debts44 | €1,312 | €1,698 | €1,938 | €1,831 | €1,562 | ▼ 14.7% |
| Suppliers440/4 | €1,312 | €1,698 | €1,938 | €1,831 | €1,562 | ▼ 14.7% |
| Taxes, remuneration and social security45 | €13,685 | €9,307 | €8,446 | €8,697 | €7,221 | ▼ 17.0% |
| Taxes450/3 | €13,685 | €9,307 | €8,446 | €8,697 | €6,221 | ▼ 28.5% |
| Remuneration and social security454/9 | - | - | - | - | €1,000 | - |
| Other amounts payable47/48 | €485 | - | - | €157 | €31,633 | ▲ 20,038% |
| Accrued charges and deferred income492/3 | - | - | €7 | €34 | €102 | ▲ 203% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,796 | €5,198 | -€2,127 | €7,798 | €4,612 | ▼ 40.9% |
| + Depreciation and write-downs630 | €841 | €1,821 | €1,156 | €970 | €281 | ▼ 71.1% |
| Operating cash flow (approximation) | €12,636 | €7,019 | -€971 | €8,768 | €4,893 | ▼ 44.2% |
| Investment in fixed assets (approximation) | - | -€3,342 | -€86 | €0 | - | - |
| Change in cash | - | -€52,691 | -€1,451 | -€8,442 | €48,061 | ▲ 669% |
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7,798
Net result €7,798 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€2,127
Net result drops to -€2,127, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €22,300 ▲287%
Operating result €32,883, net result €22,300, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.58
Current ratio from 2.66 to 5.58; short-term debt falls from €20,184 to €13,808.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day 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, Grez-Doiceau · 1 establishment unit since 2000
Ground area
1,457 m²
Building footprint
185 m²
Volume, LiDAR
931 m³
Parcel 25037G0430/00A002, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ry Mazarin 2, 1390 Grez-Doiceau
since 20002.072.950.475
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037G0430/00A002 | Wallonia | 1,457 m² | 1 · 185 m² | 6.8 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.
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Of 1,507 companies in sector 66199 we hold annual accounts for 923. 523 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
Founded16-12-1986
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Contact
E-mail
colette.philippo@gmail.comGrez-Doiceau
E-invoicing
Reachable via Peppol
Peppol ID
9925:BE0430316744
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.