JAYNY
ActiveSummary
The computed 12-month bankruptcy probability of JAYNY is 15.2% (high). The annual accounts of JAYNY for financial year 2025 show a net loss of 330% of total assets and of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €4,547 and a net result of -€18,294. Equity has been shrinking by about 60% per year since 2023. If that trend continues, it turns negative around financial year 2026. The company has been active since 2022 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.
Overview
Overview
Official details
Source: KBO- Status
- Active since 14-10-2022 Normal situation
- Activity
- “Restaurant” (deed in Dutch)From the articles, 20 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.337.529.556 1731 Asse, since 14-10-2022
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
- Bankruptcy probabilitywithin 12 months
- 15.2%
- Gross margin
- -€14,518
- ▼ 202%
- Loss
- €18,294
- ▲ 98.2%
- Equity
- €4,547
- ▼ 80.1%
- Total assets
- €5,547
- ▼ 85.9%
- 2025 accounts filed 69 days after the deadline
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)Last filed accounts filed 69 days late; 2 of the last 3 accounts lateEx-officio strike-off in the KBO1 change of registered office in 24 monthsShow the evidence
Checked score
About 1 in 7 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 94% of them on solvency, 41% on liquidity, 8% on profitability and 10% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 101 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 69 days after the deadline Filed on 8 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00551874.
Annual accounts 2025 filed on 08-10-2026 at the NBB all 3 filings
2023 to 2025, 3 financial years
The operating result for 2025 is a loss of €17,967, larger than the loss of €7,220 in 2024. It is the lowest result since 2023.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
Use the arrow keys on the chart for the figures per year.
Companies with the same profile, two years later
Historical observationIn July 2024, 3,223 companies had the same profile as JAYNY has now. Two years later, 3.4% had gone bankrupt and 87.8% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JAYNY itself is higher: 15.2% within 12 months. It rests on far more data about JAYNY than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for JAYNY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €264 | €820 | - | - |
| Other operating charges640/8 | €2,200 | €1,600 | €3,448 | ▲ 116% |
| Gross operating margin9900 | €39,585 | -€4,800 | -€14,518 | ▼ 202% |
| Operating profit (loss)9901 | €37,121 | -€7,220 | -€17,967 | ▼ 149% |
| Financial income75/76B | €47 | - | €135 | - |
| Recurring financial income75 | €47 | - | €135 | - |
| Financial charges65/66B | €281 | €54 | €463 | ▲ 758% |
| Recurring financial charges65 | €281 | €54 | €463 | ▲ 758% |
| Profit (loss) for the period before taxes9903 | €36,887 | -€7,274 | -€18,294 | ▼ 151% |
| Income taxes67/77 | €7,817 | €1,954 | - | - |
| Profit (loss) for the period9904 | €29,070 | -€9,229 | -€18,294 | ▼ 98.2% |
| Profit (loss) for the period to be appropriated9905 | €29,070 | -€9,229 | -€18,294 | ▼ 98.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €102,355 | €39,382 | €5,547 | ▼ 85.9% |
| Formation expenses20 | €820 | - | - | - |
| Current assets29/58 | €101,535 | €39,382 | €5,547 | ▼ 85.9% |
| Amounts receivable within one year40/41 | €97,958 | €39,255 | €5,546 | ▼ 85.9% |
| Trade receivables40 | €89,992 | €32,697 | - | - |
| Other amounts receivable41 | €7,966 | €6,558 | €5,546 | ▼ 15.4% |
| Cash at bank and in hand54/58 | €3,576 | €127 | €1 | ▼ 99.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €102,355 | €39,382 | €5,547 | ▼ 85.9% |
| Equity10/15 | €32,070 | €22,841 | €4,547 | ▼ 80.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €29,070 | €19,841 | €1,547 | ▼ 92.2% |
| Amounts payable17/49 | €70,285 | €16,541 | €1,000 | ▼ 94.0% |
| Amounts payable within one year42/48 | €70,285 | €16,541 | €1,000 | ▼ 94.0% |
| Trade debts44 | €9,732 | €2,004 | €1,000 | ▼ 50.1% |
| Suppliers440/4 | €9,732 | €2,004 | €1,000 | ▼ 50.1% |
| Advances received on contracts in progress46 | €51,035 | - | - | - |
| Taxes, remuneration and social security45 | €9,518 | €12,470 | - | - |
| Taxes450/3 | €9,518 | €12,470 | - | - |
| Other amounts payable47/48 | - | €2,067 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,070 | -€9,229 | -€18,294 | ▼ 98.2% |
| + Depreciation and write-downs630 | €264 | €820 | - | - |
| Operating cash flow (approximation) | €29,334 | -€8,409 | -€18,294 | ▼ 118% |
| Change in cash | - | -€3,449 | -€126 | ▲ 96.3% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- CHERROUB Youssef 100 shares (100%) · €3,000 in cash
Capital transactions
- 18-10-2022 Incorporation · €3,000 · 100 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, algemene vergadering bepaalt aantal duur opdracht en indien meerdere bevoegdheid”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Ieder aandeel gelijk recht in winstverdeling en vereffeningsaldo, 100”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Overgang door overlijden zonder goedkeuring, aandelen van een aandeelhouder”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 18-10-2022 (in Dutch)
Network & group
JAYNY shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of JAYNY. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
10-09
Gazette deed
Registered officeRegistered-office move2 points ▸
- General meeting, 01-04-2025
- Registered-office move, Brusselsesteenweg 748, 1731 Zellik
18-10
Gazette deed
IncorporationAppointment: CHERROUB Youssef (director) · Permanent representative: CHERROUB Youssef · Founder12 points ▸
- Incorporation, 13-10-2022
- Founder, CHERROUB Youssef
- Founding capital, €3,000
- CHERROUB Youssef holds 100 shares
- Other provision, 13-10-2022
- Other provision, “alleen hoedanigheid van oprichter, aansprakelijkheid oprichter” (deed in Dutch)
- Other provision, “aansprakelijkheid oprichters bij faillissement binnen drie jaar na oprichting, aanvangsvermogen kennelijk ontoereikend voor voorgenomen activiteit” (deed in Dutch)
- Registered office clause, “Pastoor Cooremansstraat 3, 1702 Dilbeek (Groot-Bijgaarden)” (deed in Dutch)
- Board rule, 1
- Director appointment, CHERROUB Youssef (director (not named in the articles))
- Permanent representative, CHERROUB Youssef
- Pre-incorporation commitments, “takeover, alle verbintenissen, verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
JAYNY was incorporated on 14 October 2022 as a private limited company by one natural person, with a starting capital of €3,000.12 The registered office was moved to Zellik in 2025.3 CHERROUB Youssef is director of the company, appointed in the act of 18-10-2022.2 Total assets fell from €102,355 in 2023 to €5,547 in 2025.4
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
20 activities
- Restaurant
- Fast food
- Snack-bar
- Alle activiteiten die rechtstreeks of onrechtstreeks verband houden met HORECA
- Computertechnologie (IT), het ontwikkelen van alle type software of hardware, alle activiteiten met betrekking tot de IT-wereld
- Webdesign, het ontwikkelen en onderhouden van Internettsites
- Reparatie van machines en apparaten in de ruimste zin
- De handel in de ruimste zin van het woord van alle elektronische materiaal, zowel hardware of software
- Marketing, distributie, reclame, branding, promotie, het organiseren van alle type evenementen
- Grafisme
- Telecommunicatie
- Gevelrestauratie / pleisterwerk / hervoegen
- Koffie
- Bakkerij
- Algemene voeding
- Straatverkoper
- Vastgoed en verhuur van onroerende goederen
- Handelsbemiddelaar
- Aan- en verkoop van koopwaar en andere goederen in de ruimste zin
- Import- en Export van alle goederen
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23095C0091/00A002 | Flanders | 36 m² | 1 · 63 m² | 12.7 m · 3 |