Summary
JANKO 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 €237,909 and a net result of €27,796. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 8102 sector peers (fiscal year 2025). The company has been active since 2016 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
38 d early
2024
27 d early
2023
1 d early
2022
5 d early
2021
8 d early
2020
8 d early
2019
10 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 14 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 22 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€237,909▲ 0.8%
2024 · €235,913
Net result
€27,796▲ 16.2%
2024 · €23,926
Total assets
€320,163▼ 6.6%
2024 · €342,944
Solvency
74.3%▲ 5.5pp
2024 · 68.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€197,078▲ 3,193%€73,298▼ 62.8%€38,298▼ 47.7%€36,166▼ 5.6%€44,963▲ 24.3%
Net result€169,966above the sector's middle half▲ 41,057%€50,654within the sector's middle half▼ 70.2%€24,227within the sector's middle half▼ 52.2%€23,926within the sector's middle half▼ 1.2%€27,796within the sector's middle half▲ 16.2%
Equity€197,606within the sector's middle half▲ 49.0%€232,190within the sector's middle half▲ 17.5%€234,271within the sector's middle half▲ 0.9%€235,913within the sector's middle half▲ 0.7%€237,909within the sector's middle half▲ 0.8%
Total assets€336,962below the sector's middle half▲ 49.9%€273,842within the sector's middle half▼ 18.7%€323,129within the sector's middle half▲ 18.0%€342,944within the sector's middle half▲ 6.1%€320,163within the sector's middle half▼ 6.6%
Debt€139,356▲ 51.3%€41,652▼ 70.1%€88,858▲ 113%€107,031▲ 20.5%€82,254▼ 23.1%
Working capital€197,627within the sector's middle half▲ 33.8%€232,450above the sector's middle half▲ 17.6%€234,559above the sector's middle half▲ 0.9%€236,200above the sector's middle half▲ 0.7%€238,199above the sector's middle half▲ 0.8%
Solvency58.6%within the sector's middle half▼ 0.4pp84.8%above the sector's middle half▲ 26.1pp72.5%within the sector's middle half▼ 12.3pp68.8%within the sector's middle half▼ 3.7pp74.3%within the sector's middle half▲ 5.5pp
Current ratio2.42within the sector's middle half▼ 0.506.62above the sector's middle half▲ 4.203.65within the sector's middle half▼ 2.973.21within the sector's middle half▼ 0.443.91within the sector's middle half▲ 0.69
Return on assets (ROA)50.4%above the sector's middle half▲ 50.3pp18.5%within the sector's middle half▼ 31.9pp7.5%within the sector's middle half▼ 11.0pp7.0%within the sector's middle half▼ 0.5pp8.7%within the sector's middle half▲ 1.7pp
Staff (FTE)6.2above the sector's middle half▼ 6.1%5.4▼ 12.9%6.1▲ 13.0%6.2▲ 1.6%6.2=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Net result -70% on 2021. The accounts now follow the micro schema, last year the abbreviated schema.
- 2021 Net result +41,057% on 2020. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €320,163
Equity
€237,909 ▲ 0.8%
Debt
€82,254 ▼ 23.1%
Debt's share of the balance-sheet total falls from 31.2% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.7%▲
2024 · 10.1%
Debt ≤ 1 year
€81,964▼
2024 · €106,743
Income taxes
€17,423▲
2024 · €12,033
Staff costs
€488,086▲
2024 · €455,414
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €432,836 | €367,400 | €430,921 | €455,414 | €488,086 | ▲ 7.2% |
| Other operating charges640/8 | €358 | €708 | €505 | €522 | €741 | ▲ 41.9% |
| Gross operating margin9900 | €630,273 | €441,406 | €469,725 | €492,103 | €533,790 | ▲ 8.5% |
| Operating profit (loss)9901 | €197,078 | €73,298 | €38,298 | €36,166 | €44,963 | ▲ 24.3% |
| Financial income75/76B | €0 | - | €8 | €748 | €1,293 | ▲ 72.8% |
| Recurring financial income75 | €0 | - | €8 | €748 | €1,293 | ▲ 72.8% |
| Financial charges65/66B | €696 | €963 | €1,507 | €956 | €1,037 | ▲ 8.5% |
| Recurring financial charges65 | €696 | €963 | €1,507 | €956 | €1,037 | ▲ 8.5% |
| Profit (loss) for the period before taxes9903 | €196,382 | €72,335 | €36,800 | €35,959 | €45,219 | ▲ 25.8% |
| Income taxes67/77 | €26,417 | €21,681 | €12,573 | €12,033 | €17,423 | ▲ 44.8% |
| Profit (loss) for the period9904 | €169,966 | €50,654 | €24,227 | €23,926 | €27,796 | ▲ 16.2% |
| Profit (loss) for the period to be appropriated9905 | €169,966 | €50,654 | €24,227 | €23,926 | €27,796 | ▲ 16.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €336,962 | €273,842 | €323,129 | €342,944 | €320,163 | ▼ 6.6% |
| Current assets29/58 | €336,962 | €273,842 | €323,129 | €342,944 | €320,163 | ▼ 6.6% |
| Amounts receivable within one year40/41 | €138,528 | €120,584 | €127,863 | €119,366 | €267,168 | ▲ 124% |
| Trade receivables40 | €129,528 | €120,584 | €120,470 | €111,338 | €264,535 | ▲ 138% |
| Other amounts receivable41 | €9,000 | €0 | €7,393 | €8,028 | €2,633 | ▼ 67.2% |
| Cash at bank and in hand54/58 | €195,563 | €150,270 | €191,514 | €218,499 | €50,179 | ▼ 77.0% |
| Deferred charges and accrued income490/1 | €2,870 | €2,988 | €3,752 | €5,079 | €2,815 | ▼ 44.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €336,962 | €273,842 | €323,129 | €342,944 | €320,163 | ▼ 6.6% |
| Equity10/15 | €197,606 | €232,190 | €234,271 | €235,913 | €237,909 | ▲ 0.8% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €187,606 | €222,190 | €224,271 | €225,913 | €227,909 | ▲ 0.9% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | €185,606 | €220,190 | €222,271 | €223,913 | €225,909 | ▲ 0.9% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €139,356 | €41,652 | €88,858 | €107,031 | €82,254 | ▼ 23.1% |
| Amounts payable within one year42/48 | €139,335 | €41,392 | €88,570 | €106,743 | €81,964 | ▼ 23.2% |
| Current portion of amounts payable after more than one year42 | €20,000 | €20,000 | €0 | €5,000 | €5,000 | = |
| Financial debts43 | - | - | €5,063 | - | - | - |
| Credit institutions430/8 | - | - | €5,063 | - | - | - |
| Trade debts44 | €3,645 | €10,750 | €75,432 | €96,904 | €72,470 | ▼ 25.2% |
| Suppliers440/4 | €3,645 | €10,750 | €75,432 | €96,904 | €72,470 | ▼ 25.2% |
| Taxes, remuneration and social security45 | €10,690 | €10,643 | €8,075 | €4,791 | €4,446 | ▼ 7.2% |
| Taxes450/3 | €10,690 | €10,643 | €5,034 | €4,791 | €4,446 | ▼ 7.2% |
| Remuneration and social security454/9 | - | - | €3,041 | €0 | - | - |
| Other amounts payable47/48 | €105,000 | €0 | - | €48 | €48 | = |
| Accrued charges and deferred income492/3 | €21 | €260 | €288 | €288 | €290 | ▲ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €169,966 | €50,654 | €24,227 | €23,926 | €27,796 | ▲ 16.2% |
| Operating cash flow (approximation) | €169,966 | €50,654 | €24,227 | €23,926 | €27,796 | ▲ 16.2% |
| Change in cash | - | -€45,294 | €41,244 | €26,985 | -€168,320 | ▼ 724% |
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 6.62
Current ratio from 2.42 to 6.62; short-term debt falls from €139,335 to €41,392.
30-09
Financial
Equity above €200,000Eq €232,190 ▲17.5%
5 profitable years in a row build equity to €232,190.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €169,966 ▲41,057%
Operating result €197,078, net result €169,966, both a record.
30-09
Financial
Equity above €150,000Eq €197,606 ▲49%
4 profitable years in a row build equity to €197,606.
22-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €413 ▼79.5%
Net result drops to €413, the lowest in the series; recovery starts the following year.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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.
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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, Deinze · 1 establishment unit since 2016
Ground area
1,343 m²
Building footprint
332 m²
Volume, LiDAR
2,112 m³
2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JANKO
since 20162.254.490.826
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44049E0170/00D000 | Flanders | 862 m² | 1 · 177 m² | 7.5 m · 2 fl. |
| 44302D1171/00B000 | Flanders | 481 m² | 1 · 155 m² | 12.3 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,300 EUR awarded · 2,300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,300 EUR | 2,300 EUR |
Schemes
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Of 93 companies in sector 64922 we hold annual accounts for 75. 27 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
Founded28-06-2016
Fiscal year end30-09
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0657746706
Also
9925:BE0657746706
Registered
04-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.