JAY
ActiveSummary
JAY has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €131k. Equity is growing by ~45.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 5.26 against 3.4 in 2024; short-term debt: 19% and cash: 100% of total assets), and 19.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Sector 70
lower
← 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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.9%
Return on assets
44.1%
Age of the figures
12 mo
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 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
30 d early
2023
12 d early
2022
27 d early
2021
33 d early
2020
35 d early
2019
30 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€240k▲ 120%
2024 · €109k
2018: €-705k
2019: €-676k
2020: €-594k
2021: €-433k
2022: €-256k
2023: €-73k
2024: €109k
2018 → 2025
Total assets
€297k▲ 91.6%
2024 · €155k
2018: €433k
2019: €468k
2020: €567k
2021: €478k
2022: €463k
2023: €646k
2024: €155k
2018 → 2025
Net result
€131k▼ 28.1%
2024 · €182k
2018: €29k
2019: €29k
2020: €82k
2021: €160k
2022: €177k
2023: €183k
2024: €182k
2018 → 2025
Working capital
€240k▲ 120%
2024 · €109k
2018: €220k
2019: €159k
2020: €331k
2021: €242k
2022: €419k
2023: €602k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-433k-€-256k▲ 40.8%€-73k▲ 71.4%€109k€240k▲ 120%
Operating result€160k-€177k▲ 10.4%€175k▼ 1.1%€176k▲ 0.4%€177k▲ 1.0%
Net result€160k-€177k▲ 10.4%€183k▲ 3.4%€182k▼ 0.4%€131k▼ 28.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €297k
Equity
€240k ▲ 120%
Debt
€57k ▲ 23.7%
Debt's share of the balance-sheet total falls from 29.7% to 19.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
5.26▲
2024 · 3.40
Debt to equity
0.24▼
2024 · 0.42
ROE
54.6%▼
2024 · 167.3%
ROA
44.1%▼
2024 · 117.7%
Debt ≤ 1 year
€56k▲
2024 · €46k
Income taxes
€50k▲
2024 · €999
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€155k€297k▲
Current assets29/58€155k€297k▲
Amounts receivable within one year40/41€1k€0▼
Trade receivables40€0-
Other amounts receivable41€1k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€154k€297k▲
Deferred charges and accrued income490/1€40€43▲
Equity and liabilities
Total equity and liabilities10/49€155k€297k▲
Equity10/15€109k€240k▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€10k€141k▲
Non-distributable reserves130/1-€10k
Legal reserve130-€10k
Distributable reserves133€10k€131k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€46k€57k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€46k€56k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Other amounts payable47/48€44k€46k▲
Accrued charges and deferred income492/3€387€400▲
Income statement
Code20242025
Other operating charges640/8€678€544▼
Gross operating margin9900€176k€178k▲
Operating profit (loss)9901€176k€177k▲
Financial income75/76B€8k€4k▼
Recurring financial income75€8k€4k▼
Financial charges65/66B€35€39▲
Recurring financial charges65€35€39▲
Profit (loss) for the period before taxes9903€183k€181k▼
Income taxes67/77€999€50k▲
Profit (loss) for the period9904€182k€131k▼
Profit (loss) for the period to be appropriated9905€182k€131k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€131k▲
Profit (loss) brought forward from the previous period14P€-172k€0▲
Transfer to equity691/2€10k€131k▲
To the legal reserve6920-€10k
To other reserves6921€10k€121k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor appointment
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200kEq €240k ▲120%
8 profitable years in a row build equity to €240k.
23-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Director resignation
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €109k
7 profitable years in a row build equity to €109k.
19-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €183k ▲3.4%
Net result €183k, the highest in the series.
14-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor reappointment
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity times 5current ratio 10.52
Current ratio from 2.02 to 10.52; short-term debt falls from €236k to €44k.
Show earlier events
27-07
State Gazette act
General meeting · Director reappointment
Permanent representative
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
24-03
State Gazette act
Board meeting · General meeting
Director resignation · Director reappointment
2021
30-08
State Gazette act
General meeting · Director reappointment
Permanent representative
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
State Gazette act
Board meeting · Registered-office move
Power of attorney · General meeting
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €29k ▼1%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
03-09
State Gazette act
Board meeting · Director appointment
Permanent representative · General meeting
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Gent · 1 establishment unit since 1987
Ground area
495 m²
Building footprint
208 m²
Volume, LiDAR
1,412 m³
Parcel 44809I0151/00E000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAY
since 19872.032.807.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0151/00E000 | Flanders | 495 m² | 1 · 208 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,088 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-04-1987
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.