JAY
ActiveSummary
JAY has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €401,396 and a net result of €92,739. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 89% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 15.12 against 5.72 in 2024; short-term debt: 6% and cash: 72.7% of total assets), and 6.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
93.6%
Return on assets
21.6%
Age of the figures
12 mo
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
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 02-04-2026, 28 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
28 d early
2024
30 d early
2023
28 d early
2022
30 d early
2021
2 d early
2020
31 d early
2019
7 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 22 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#7 company by equity in Holsbeek, Health and social work sector
Equity
€401,396▲ 23.2%
2024 · €325,833
Total assets
€428,995▲ 8.7%
2024 · €394,712
Net result
€92,739▲ 12.8%
2024 · €82,210
Working capital
€365,998▲ 30.1%
2024 · €281,285
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health 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
Operating result€25,601▼ 56.7%€111,370▲ 335%€124,514▲ 11.8%€117,356▼ 5.7%€132,016▲ 12.5%
Net result€18,655below the sector's middle half▼ 54.7%€78,314within the sector's middle half▲ 320%€87,320within the sector's middle half▲ 11.5%€82,210within the sector's middle half▼ 5.9%€92,739within the sector's middle half▲ 12.8%
Equity€80,570within the sector's middle half▼ 14.6%€158,884within the sector's middle half▲ 97.2%€243,623within the sector's middle half▲ 53.3%€325,833within the sector's middle half▲ 33.7%€401,396above the sector's middle half▲ 23.2%
Total assets€133,120below the sector's middle half▲ 12.7%€213,285within the sector's middle half▲ 60.2%€297,828within the sector's middle half▲ 39.6%€394,712within the sector's middle half▲ 32.5%€428,995within the sector's middle half▲ 8.7%
Debt€52,550▲ 121%€54,401▲ 3.5%€54,205▼ 0.4%€68,879▲ 27.1%€27,599▼ 59.9%
Working capital€49,112within the sector's middle half▼ 45.3%€132,156within the sector's middle half▲ 169%€188,587within the sector's middle half▲ 42.7%€281,285above the sector's middle half▲ 49.2%€365,998above the sector's middle half▲ 30.1%
Solvency60.5%within the sector's middle half▼ 19.3pp74.5%within the sector's middle half▲ 14.0pp81.8%within the sector's middle half▲ 7.3pp82.5%within the sector's middle half▲ 0.7pp93.6%above the sector's middle half▲ 11.0pp
Current ratio2.09within the sector's middle half▼ 4.053.43within the sector's middle half▲ 1.346.05within the sector's middle half▲ 2.625.72within the sector's middle half▼ 0.3315.12above the sector's middle half▲ 9.40
Return on assets (ROA)14.0%within the sector's middle half▼ 20.8pp36.7%above the sector's middle half▲ 22.7pp29.3%within the sector's middle half▼ 7.4pp20.8%within the sector's middle half▼ 8.5pp21.6%within the sector's middle half▲ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428,995
Fixed assets
€37,082 ▼ 31.1%
Current assets
€391,914 ▲ 15.0%
Equity and liabilities €428,995
Equity
€401,396 ▲ 23.2%
Debt
€27,599 ▼ 59.9%
Debt's share of the balance-sheet total falls from 17.5% to 6.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€149,803▲
2024 · €135,441
Cash flow
€110,527▲
2024 · €100,296
Debt to equity
0.07▼
2024 · 0.21
ROE
23.1%▼
2024 · 25.2%
Interest coverage
98.83▲
2024 · 70.32
Debt ≤ 1 year
€25,916▼
2024 · €59,599
Debt > 1 year
€1,354▼
2024 · €9,280
Income taxes
€37,761▲
2024 · €33,220
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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 34,679 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €10,147 | - | €10,216 | €2,447 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,560 | €13,805 | €16,944 | €18,085 | €17,788 | ▼ 1.6% |
| Other operating charges640/8 | €1,353 | €357 | €1,117 | €939 | €1,020 | ▲ 8.7% |
| Gross operating margin9900 | €28,514 | €125,532 | €142,575 | €136,380 | €150,823 | ▲ 10.6% |
| Operating profit (loss)9901 | €25,601 | €111,370 | €124,514 | €117,356 | €132,016 | ▲ 12.5% |
| Financial income75/76B | €0 | €145 | €0 | €0 | €0 | = |
| Recurring financial income75 | €0 | €145 | €0 | €0 | €0 | = |
| Financial charges65/66B | €366 | €283 | €2,077 | €1,926 | €1,516 | ▼ 21.3% |
| Recurring financial charges65 | €366 | €283 | €2,077 | €1,926 | €1,516 | ▼ 21.3% |
| Profit (loss) for the period before taxes9903 | €25,235 | €111,232 | €122,437 | €115,430 | €130,500 | ▲ 13.1% |
| Income taxes67/77 | €6,579 | €32,918 | €35,117 | €33,220 | €37,761 | ▲ 13.7% |
| Profit (loss) for the period9904 | €18,655 | €78,314 | €87,320 | €82,210 | €92,739 | ▲ 12.8% |
| Profit (loss) for the period to be appropriated9905 | €18,655 | €78,314 | €87,320 | €82,210 | €92,739 | ▲ 12.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €133,120 | €213,285 | €297,828 | €394,712 | €428,995 | ▲ 8.7% |
| Fixed assets21/28 | €39,005 | €26,728 | €71,914 | €53,829 | €37,082 | ▼ 31.1% |
| Tangible fixed assets22/27 | €38,830 | €26,553 | €71,739 | €53,654 | €36,907 | ▼ 31.2% |
| Plant, machinery and equipment23 | - | - | - | - | €847 | - |
| Furniture and vehicles24 | €38,830 | €26,553 | €71,739 | €53,654 | €36,060 | ▼ 32.8% |
| Financial fixed assets28 | €175 | €175 | €175 | €175 | €175 | = |
| Current assets29/58 | €94,114 | €186,556 | €225,914 | €340,883 | €391,914 | ▲ 15.0% |
| Amounts receivable after more than one year29 | - | - | - | €75,000 | €58,683 | ▼ 21.8% |
| Trade receivables290 | - | - | - | €75,000 | - | - |
| Other amounts receivable291 | - | - | - | - | €58,683 | - |
| Amounts receivable within one year40/41 | €30,927 | €24,197 | €46,092 | €45,105 | €21,371 | ▼ 52.6% |
| Trade receivables40 | €25,862 | €23,288 | €45,211 | €44,801 | €20,964 | ▼ 53.2% |
| Other amounts receivable41 | €5,065 | €909 | €881 | €304 | €407 | ▲ 33.8% |
| Cash at bank and in hand54/58 | €63,025 | €162,225 | €179,822 | €220,778 | €311,860 | ▲ 41.3% |
| Deferred charges and accrued income490/1 | €162 | €134 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €133,120 | €213,285 | €297,828 | €394,712 | €428,995 | ▲ 8.7% |
| Equity10/15 | €80,570 | €158,884 | €243,623 | €325,833 | €401,396 | ▲ 23.2% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €79,570 | €157,884 | €242,623 | €324,833 | €400,396 | ▲ 23.3% |
| Distributable reserves133 | €79,570 | €157,884 | €242,623 | €324,833 | €400,396 | ▲ 23.3% |
| Amounts payable17/49 | €52,550 | €54,401 | €54,205 | €68,879 | €27,599 | ▼ 59.9% |
| Amounts payable after more than one year17 | €7,548 | - | €16,878 | €9,280 | €1,354 | ▼ 85.4% |
| Financial debts170/4 | €7,548 | - | €16,878 | €9,280 | €1,354 | ▼ 85.4% |
| Amounts payable within one year42/48 | €45,002 | €54,401 | €37,327 | €59,599 | €25,916 | ▼ 56.5% |
| Current portion of amounts payable after more than one year42 | €7,453 | €7,548 | €7,283 | €7,598 | €7,926 | ▲ 4.3% |
| Trade debts44 | €4,389 | €5,940 | €6,575 | €6,519 | €3,349 | ▼ 48.6% |
| Suppliers440/4 | €4,389 | €5,940 | €6,575 | €6,519 | €3,349 | ▼ 48.6% |
| Taxes, remuneration and social security45 | €2,359 | €32,918 | €10,246 | €8,220 | €7,667 | ▼ 6.7% |
| Taxes450/3 | €2,359 | €32,918 | €10,246 | €8,220 | €7,667 | ▼ 6.7% |
| Other amounts payable47/48 | €30,801 | €7,995 | €13,222 | €37,262 | €6,974 | ▼ 81.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | €329 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,655 | €78,314 | €87,320 | €82,210 | €92,739 | ▲ 12.8% |
| + Depreciation and write-downs630 | €1,560 | €13,805 | €16,944 | €18,085 | €17,788 | ▼ 1.6% |
| Operating cash flow (approximation) | €20,216 | €92,119 | €104,264 | €100,296 | €110,527 | ▲ 10.2% |
| Investment in fixed assets (approximation) | - | -€1,528 | -€62,130 | €0 | -€1,041 | - |
| Change in cash | - | €99,200 | €17,597 | €40,957 | €91,081 | ▲ 122% |
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €92,739 ▲12.8%
Operating result €132,016, net result €92,739, both a record.
30-09
Financial
Liquidity triplescurrent ratio 15.12
Current ratio from 5.72 to 15.12; short-term debt falls from €59,599 to €25,916.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200,000Eq €243,623 ▲53.3%
6 profitable years in a row build equity to €243,623.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150,000Eq €158,884 ▲97.2%
5 profitable years in a row build equity to €158,884.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Holsbeek · 1 establishment unit since 2013
Ground area
3,589 m²
Building footprint
300 m²
Volume, LiDAR
1,583 m³
Parcel 24043D0045/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joris Coteur Management
since 20132.217.455.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043D0045/00M000 | Flanders | 3,589 m² | 1 · 300 m² | 8.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755006PDZ368HJ9BB98
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Of 9,128 companies in sector 86210 we hold annual accounts for 6,335. 5,055 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
Founded01-02-2013
Fiscal year end30-09
Activities, NACEBEL 2025
86210General medical practice
Contact
Phone
0473252806Holsbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0521896721
Also
9925:BE0521896721
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.