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JANO

Active
Private limited companyfounded 199531 yrs activeVrijheidslaan 120, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0454.409.762
Summary

JANO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €453,375 and a net result of -€651. Equity remains stable across the filed fiscal years (±0.3% per year). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability37=
Solvency94=
Growth38=
Track record100
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 3.19 against 3.2 in 2024; short-term debt: 31.4% of total assets), and 31.4% 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+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
18 d late
2024
28 d late
2023
16 d early
2022
28 d late
2021
57 d late
2020
17 d late
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 23 days after 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)
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 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 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

JANO was incorporated on 9 January 1995.1 Revenue fell from EUR 150,092 in 2018 to EUR 10,536 in 2022.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2022

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Financials · fiscal year 2025, abbreviated schema

Turnover
€10,536▲ 44.5%
2021 · €7,293
EBIT margin
-7.0%▼ 4.6pp
2021 · -2.4%
Net result
-€651▲ 67.4%
2024 · -€1,996
Working capital
€453,375▼ 0.1%
2024 · €454,026
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€7,293▼ 70.2%€10,536▲ 44.5%
Operating result-€176▲ 96.9%-€735▼ 317%-€622▲ 15.3%-€1,996▼ 221%-€651▲ 67.4%
Net result-€671▲ 88.1%-€735▼ 9.5%-€622▲ 15.3%-€1,996▼ 221%-€651▲ 67.4%
EBIT margin-2.4%▲ 20.5pp-7.0%▼ 4.6pp
Equity€457,379▼ 0.1%€456,644▼ 0.2%€456,022▼ 0.1%€454,026▼ 0.4%€453,375▼ 0.1%
Total assets€668,616▼ 1.0%€660,758▼ 1.2%€660,758=€660,758=€660,758=
Debt€211,237▼ 2.9%€204,114▼ 3.4%€204,736▲ 0.3%€206,733▲ 1.0%€207,384▲ 0.3%
Working capital€457,379▼ 0.1%€456,644▼ 0.2%€456,022▼ 0.1%€454,026▼ 0.4%€453,375▼ 0.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€2,000-€1,500-€1,000-€500€0Operating result 2021: -€176-€176Net result 2021: -€671-€671Operating result 2022: -€735-€735Net result 2022: -€735-€735Operating result 2023: -€622-€622Net result 2023: -€622-€622Operating result 2024: -€1,996-€1,996Net result 2024: -€1,996-€1,996Operating result 2025: -€651-€651Net result 2025: -€651-€65120212022202320242025-€2,000-€1,500-€1,000-€500€0Operating result 2023: -€622-€622Net result 2023: -€622-€622Operating result 2024: -€1,996-€2,000Net result 2024: -€1,996-€2,000Operating result 2025: -€651-€651Net result 2025: -€651-€651202320242025
The operating result stays negative: a loss of €651 in 2025 against €1,996 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €660,758
Equity €453,375 ▼ 0.1%
Debt €207,384 ▲ 0.3%
Debt's share of the balance-sheet total rises from 31.3% to 31.4%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
3.19▼
2024 · 3.20
Quick ratio
0.00=
2024 · 0.00
Debt to equity
0.46▲
2024 · 0.46
ROE
-0.1%▲
2024 · -0.4%
ROA
-0.1%▲
2024 · -0.3%
Debt ≤ 1 year
€207,384▲
2024 · €206,733
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 8,616 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.4% went bankrupt
5.2% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% 1.7%
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 75% 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 8,616 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 · 24 lines
Balance sheet Code20242025
Assets
Total assets20/58€660,758€660,758=
Current assets29/58€660,758€660,758=
Stocks and contracts in progress3€660,758€660,758=
Stocks30/36€660,758€660,758=
Equity and liabilities
Total equity and liabilities10/49€660,758€660,758=
Equity10/15€454,026€453,375▼
Contributions10/11€18,592€18,592=
Reserves13€480,627€480,627=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Distributable reserves133€478,768€478,768=
Profit (loss) carried forward14-€45,193-€45,844▼
Amounts payable17/49€206,733€207,384▲
Amounts payable within one year42/48€206,733€207,384▲
Other amounts payable47/48€206,733€207,384▲
Income statement Code20242025
Goods, raw materials, services and sundry goods60/61€1,837€487▼
Other operating charges640/8€159€164▲
Gross operating margin9900-€1,837-€487▲
Operating profit (loss)9901-€1,996-€651▲
Profit (loss) for the period before taxes9903-€1,996-€651▲
Profit (loss) for the period9904-€1,996-€651▲
Profit (loss) for the period to be appropriated9905-€1,996-€651▲
Appropriation of the result
Profit (loss) to be appropriated9906-€45,193-€45,844▼
Profit (loss) brought forward from the previous period14P-€43,197-€45,193▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70€7,293€10,536----
Goods, raw materials, services and sundry goods60/61-€10,741€469€1,837€487▼ 73.5%
Other operating charges640/8€137€530€153€159€164▲ 2.9%
Gross operating margin9900-€39-€205-€469-€1,837-€487▲ 73.5%
Operating profit (loss)9901-€176-€735-€622-€1,996-€651▲ 67.4%
Profit (loss) for the period before taxes9903-€176-€735-€622-€1,996-€651▲ 67.4%
Income taxes67/77€494-----
Profit (loss) for the period9904-€671-€735-€622-€1,996-€651▲ 67.4%
Profit (loss) for the period to be appropriated9905-€671-€735-€622-€1,996-€651▲ 67.4%
Line20212022202320242025Change
Assets
Total assets20/58€668,616€660,758€660,758€660,758€660,758=
Current assets29/58€668,616€660,758€660,758€660,758€660,758=
Stocks and contracts in progress3€668,616€660,758€660,758€660,758€660,758=
Stocks30/36€668,616€660,758€660,758€660,758€660,758=
Equity and liabilities
Total equity and liabilities10/49€668,616€660,758€660,758€660,758€660,758=
Equity10/15€457,379€456,644€456,022€454,026€453,375▼ 0.1%
Contributions10/11€18,592€18,592€18,592€18,592€18,592=
Reserves13€480,627€480,627€480,627€480,627€480,627=
Non-distributable reserves130/1€1,859€1,859€1,859€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859€1,859€1,859€1,859=
Distributable reserves133€478,768€478,768€478,768€478,768€478,768=
Profit (loss) carried forward14-€41,840-€42,575-€43,197-€45,193-€45,844▼ 1.4%
Amounts payable17/49€211,237€204,114€204,736€206,733€207,384▲ 0.3%
Amounts payable within one year42/48€211,237€204,114€204,736€206,733€207,384▲ 0.3%
Other amounts payable47/48€211,237€204,114€204,736€206,733€207,384▲ 0.3%
Line20212022202320242025Change
Profit (loss) for the period9904-€671-€735-€622-€1,996-€651▲ 67.4%
Operating cash flow (approximation)-€671-€735-€622-€1,996-€651▲ 67.4%

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 31-07-2027
2026
18-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
15-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
26-09
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 57 days late
2021
17-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
28-08
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
29-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
24-08
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
27-09
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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 · 1 establishment unit since 1995
seat establishment The establishment unit on the map
Ground area
1,666 m²
Building footprint
451 m²
Volume, LiDAR
5,483 m³
2 parcels, Brussels, Flanders · tallest building 21.1 m, ±6 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
Zielestraat 45, 2275 Lille
Insurance, reinsurance and pension funding, except compulsory social security
since 19952.070.736.006
2 parcels
Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
13032B0189/00K000 Flanders 946 m² 1 · 186 m² 8.4 m · 2 fl.
21526D0067/02A006 Brussels 720 m² 1 · 265 m² 21.1 m · 6 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded09-01-1995
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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