JAY'S
ActiveThe computed 12-month bankruptcy probability of JAY'S is 1.8% (moderate). The 2025 annual accounts show equity of €56k and a net result of €16k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 13009 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.92 in 2024), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
5 d early
2023
5 d early
2022
5 d early
2021
19 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 40.2%
2024 · €40k
2019: €20k
2020: €18k
2021: €14k
2022: €18k
2023: €24k
2024: €40k
2019 → 2025
Total assets
€86k▲ 35.8%
2024 · €64k
2019: €46k
2020: €38k
2021: €47k
2022: €48k
2023: €54k
2024: €64k
2019 → 2025
Net result
€16k▲ 0.7%
2024 · €16k
2019: €1k
2020: €-2k
2021: €-4k
2022: €4k
2023: €6k
2024: €16k
2019 → 2025
Working capital
€31k▲ 70.4%
2024 · €18k
2019: €-15k
2020: €-8k
2021: €-5k
2022: €5k
2023: €4k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€18k▲ 26.6%€24k▲ 34.3%€40k▲ 66.3%€56k▲ 40.2%
Operating result€-4k-€4k€7k▲ 52.6%€16k▲ 144%€21k▲ 28.3%
Net result€-4k-€4k€6k▲ 63.1%€16k▲ 160%€16k▲ 0.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€25k▼ 2.4%
Current assets
€62k▲ 61.2%
Equity and liabilities €86k
Equity
€56k▲ 40.2%
Debt
€30k▲ 28.5%
The debt ratio falls from 37.2% to 35.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€24k▲
2024 · €19k
Cash flow
€19k▲
2024 · €19k
Solvency
64.8%▲
2024 · 62.8%
Current ratio
2.03▲
2024 · 1.92
Quick ratio
1.96▲
2024 · 1.81
Debt / equity
0.54▼
2024 · 0.59
ROE
28.7%▼
2024 · 39.9%
ROA
18.6%▼
2024 · 25.1%
Interest coverage
88.49▲
2024 · 61.78
Debt
€30k▲
2024 · €24k
Debt ≤ 1 year
€30k▲
2024 · €20k
Income taxes
€4k
Staff costs
€13k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€64k€86k▲
Fixed assets21/28€25k€25k▼
Tangible fixed assets22/27€25k€25k▼
Land and buildings22€4k€6k▲
Plant, machinery and equipment23€20k€18k▼
Furniture and vehicles24€1k€417▼
Current assets29/58€38k€62k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41-€1k
Trade receivables40-€1k
Cash at bank and in hand54/58€36k€58k▲
Deferred charges and accrued income490/1€266-
Equity and liabilities
Total equity and liabilities10/49€64k€86k▲
Equity10/15€40k€56k▲
Contributions10/11€19k€19k=
Reserves13€21k€37k▲
Distributable reserves133€21k€37k▲
Amounts payable17/49€24k€30k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€20k€30k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€5k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€32k€38k▲
Operating profit (loss)9901€16k€21k▲
Financial income75/76B€24€9▼
Recurring financial income75€24€9▼
Financial charges65/66B€310€270▼
Recurring financial charges65€310€270▼
Profit (loss) for the period before taxes9903€16k€21k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€16k▲
Transfer to equity691/2€16k€16k▲
To other reserves6921€16k€16k▲
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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €16k ▲0.7%
Operating result €21k, net result €16k, both a record.
2024
26-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
KEMPENEERS Jelle
CurrentNiet statutair bestuurder · since 24-11-2023
24-11-2023
Resigned as Director
24-11-2023
Appointed as Niet statutair bestuurder
Location & real-estate footprint
Registered office, Kortenaken · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Herrebeekstraat 413471 KortenakenGround area
628 m²
Building footprint
126 m²
Volume, LiDAR
677 m³
Parcel 24042B0306/00A003, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jay's
since 20172.264.779.853
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24042B0306/00A003 | Flanders | 628 m² | 1 · 126 m² | 7.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortenaken2.264.779.853
Similar companies · same sector, comparable size
Licence 2 Grill
BE 0769.490.013
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BE 0676.715.847
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CAFE - FRITURE PETERS
BE 0471.372.290
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BOUCKAERT
BE 0479.019.355
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NEW SAVEURS D'ASIE
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Mons · Eq €56k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 9,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2017
Fiscal year end31-03
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
10120Manufacture of food products
10130Manufacture of food products
10200Manufacture of food products
10850Manufacture of food products
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
55100Hotels and similar accommodation
55204Guest rooms (bed and breakfast)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
56301Cafés and bars
56309Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.