JAYA
ActiveJAYA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €32k. Equity is growing by ~68.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-1
Solvency58▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.11 against 2.4 in 2024; short-term debt: 9.3% and cash: 0.7% of total assets), but 67.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
32.6%
Return on assets
4.8%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
27 d late
2024
40 d early
2023
34 d early
2022
31 d early
2021
16 d early
2020
40 d early
2019
38 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 17.3%
2024 · €186k
2018: €8k
2019: €12k
2020: €25k
2021: €53k
2022: €89k
2023: €150k
2024: €186k
2018 → 2025
Total assets
€669k▲ 2.0%
2024 · €656k
2018: €93k
2019: €93k
2020: €204k
2021: €220k
2022: €247k
2023: €309k
2024: €656k
2018 → 2025
Net result
€32k▼ 11.0%
2024 · €36k
2018: €1k
2019: €4k
2020: €13k
2021: €28k
2022: €36k
2023: €61k
2024: €36k
2018 → 2025
Working capital
€131k▲ 62.9%
2024 · €80k
2018: €9k
2019: €10k
2020: €21k
2021: €29k
2022: €58k
2023: €115k
2024: €80k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€89k▲ 68.6%€150k▲ 68.7%€186k▲ 24.1%€218k▲ 17.3%
Operating result€39k-€57k▲ 46.9%€90k▲ 57.8%€60k▼ 33.1%€61k▲ 2.5%
Net result€28k-€36k▲ 31.1%€61k▲ 68.7%€36k▼ 40.8%€32k▼ 11.0%
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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €669k
Fixed assets
€476k▼ 8.1%
Current assets
€193k▲ 40.0%
Equity and liabilities €669k
Equity
€218k▲ 17.3%
Debt
€451k▼ 4.1%
The debt ratio falls from 71.7% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€104k▲
2024 · €90k
Cash flow
€75k▲
2024 · €66k
Solvency
32.6%▲
2024 · 28.3%
Current ratio
3.11▲
2024 · 2.40
Quick ratio
3.11▲
2024 · 2.40
Debt / equity
2.07▼
2024 · 2.53
ROE
14.7%▼
2024 · 19.4%
ROA
4.8%▼
2024 · 5.5%
Interest coverage
7.08▼
2024 · 10.86
Debt
€451k▼
2024 · €470k
Debt ≤ 1 year
€62k▲
2024 · €57k
Debt > 1 year
€389k▼
2024 · €412k
Income taxes
€17k▼
2024 · €18k
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€656k€669k▲
Fixed assets21/28€518k€476k▼
Tangible fixed assets22/27€518k€476k▼
Land and buildings22€509k€470k▼
Plant, machinery and equipment23-€749
Furniture and vehicles24€9k€5k▼
Current assets29/58€138k€193k▲
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Amounts receivable within one year40/41€32k€88k▲
Trade receivables40€32k€59k▲
Other amounts receivable41-€28k
Cash at bank and in hand54/58€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€656k€669k▲
Equity10/15€186k€218k▲
Contributions10/11€8k€8k=
Reserves13€168k€200k▲
Distributable reserves133€168k€200k▲
Profit (loss) carried forward14€10k€10k▲
Amounts payable17/49€470k€451k▼
Amounts payable after more than one year17€412k€389k▼
Financial debts170/4€412k€389k▼
Amounts payable within one year42/48€57k€62k▲
Current portion of amounts payable after more than one year42€23k€28k▲
Financial debts43€8k€6k▼
Credit institutions430/8€8k€6k▼
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€21k€12k▼
Accrued charges and deferred income492/3€191-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€43k▲
Other operating charges640/8€8k€2k▼
Gross operating margin9900€98k€107k▲
Operating profit (loss)9901€60k€61k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€8k€15k▲
Recurring financial charges65€8k€15k▲
Profit (loss) for the period before taxes9903€54k€49k▼
Income taxes67/77€18k€17k▼
Profit (loss) for the period9904€36k€32k▼
Profit (loss) for the period to be appropriated9905€36k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€42k▼
Profit (loss) brought forward from the previous period14P€10k€10k▲
Transfer to equity691/2€36k€32k▼
To other reserves6921€36k€32k▼
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €200kEq €218k ▲17.3%
8 profitable years in a row build equity to €218k.
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €186k ▲24.1%
7 profitable years in a row build equity to €186k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €61k ▲68.7%
Operating result €90k, net result €61k, both a record.
31-12
Financial
Equity above €100kEq €150k ▲68.7%
6 profitable years in a row build equity to €150k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Frasnes-lez-Anvaing · 1 establishment unit since 2018
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.
Rue Goderneau(MB) 157911 Frasnes-lez-AnvaingGround area
2,047 m²
Building footprint
134 m²
Parcel 57055A0273/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JAYA
since 20182.272.132.255
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57055A0273/00M000 | Wallonia | 2,047 m² | 1 · 134 m² | - |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.