Losses
-€28,298 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
JAYTECH
Overview
Lifetime
4 annual accounts with figures on one time axispeak €51,676 (2023)
-€12,112▼ €24,682
lowest -€19,260 (2025)
-€19,260▼ €10,222
peak €49,833 (2023)
€21,535▼ 47.2%
€30,528▲ 11.8%
Board1 name since 2022
1 directorJOUILI Adel
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €12,570 to -€12,112Loss of €19,260Equity from €40,795 to €21,535Cash from €1,847 to €11,662
Key points
from the 2025 annual accountsAt the same address
954 companies
Position in the sector
-€19,260
Lower net result than 92% of companies in specialised construction. Sector median €10,189 · 35,113 companies.
Checked score
64
Healthy
Financially stronger than 24% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.9%
01-2025: 2.8%▼ -0.1 percentage points vs 12-2024
02-2025: 2.8%● unchanged vs 01-2025
03-2025: 2.8%● unchanged vs 02-2025
04-2025: 2.9%▲ +0.1 percentage points vs 03-2025
05-2025: 2.9%● unchanged vs 04-2025
06-2025: 2.9%● unchanged vs 05-2025
07-2025: 2.9%● unchanged vs 06-2025
08-2025: 3.4%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 3.0%▼ -0.4 percentage points vs 08-2025
10-2025: 3.0%● unchanged vs 09-2025
11-2025: 2.6%▼ -0.4 percentage points vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.5%▼ -0.1 percentage points vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.5%● unchanged vs 02-2026
04-2026: 2.5%● unchanged vs 03-2026
05-2026: 2.6%▲ +0.1 percentage points vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 1.1%▼ -1.5 percentage points vs 06-2026lowest value
08-2026: 1.1%● unchanged vs 07-2026lowest value
09-2026: 1.1%● unchanged vs 08-2026lowest value
10-2026: 1.1%● unchanged vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2022
Loss of €19,260, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 1.71, cash €11,662
Figures for financial year 2025 (filed on 29-06-2026)
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 43, micro). It does better than 44% of them on solvency, 39% on liquidity, 4% on profitability and 9% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 3,223 companies had the same profile as JAYTECH has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JAYTECH itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 JAYTECH. 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.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.71 (2.18 in 2024), above the usual 1.5. Short-term debt is 58.6% and cash 22.4% of total assets. However, 58.6% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€19,260
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
32 days early
2024
29 days late
2023
28 days late
2022
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 14 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0782998549
Incorporation
Founding capital of €7,000, 100 shares · Founder: JOUILI Adel (comparant) · Appointment: JOUILI Adel (director) · published on 10-03-2022 · Gazette deed
First establishment
Steenweg op Mechelen 455, Kraainem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JAYTECH Kraainem | €52,063 | -€12,112 | 41.4% | - |
| OS RENOVATIONS Tervuren | €56,546 | -€12,844 | -13.7% | - |
| FAMIC GO Kapelle-op-den-Bos | €48,799 | -€21,576 | 89.1% | - |
| JUNISOL Hoeilaart | €58,413 | -€45,510 | 8.6% | - |
| Sunflower Roosdaal | €52,364 | -€11,998 | 59.2% | - |
| BLUE AND TECH Havelange | €49,002 | -€15,584 | 13.9% | - |
| MOSELEC Dison | €54,649 | -€9,705 | -6.8% | - |
These companies have the same main activity as JAYTECH: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €48,800 and €58,400, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 08-03-2022Normal situation
- Registered office
- 956 active companies are registered at this address95 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- General electrical installation workNACE 43211and 4 others
- Establishment unit
- 2.328.894.0811950 Kraainem, since 08-03-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 04-04-2022
Annual accounts 2025
- €79,696
- €19,260▲ 113%
- €21,535▼ 47.2%
- €52,063▼ 23.6%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on JAYTECH
JAYTECH files the micro format. That format states no turnover. The gross margin fell from €40,767 in 2022 to -€12,112 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-06-2026, 32 days before the deadline€79,696
-€21,690
▼ €15,310
-€13,223
▼ €23,908
-€10,792
▼ €18,820
41.4%
▼ 18.5 percentage points
1.71
▼ 0.48
Money flows
of every €100 of turnover, €24.17 was lost in 2025Balance sheet
balance sheet total €52,063 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
41.4%
Higher than 44% of 35,125 companies in 2025.
1.71
Higher than 47% of 34,499 companies in 2025.
-37.0%
Lower than 95% of 34,700 companies in 2025.
JAYTECH
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: bottom quarter · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
52,063 | 68,102 | 69,124 | 56,891 | |
21/28 |
- | 8,467 | 25,533 | 42,599 | |
21 |
- | 8,174 | 24,841 | 41,508 | |
22/27 |
- | 293 | 692 | 1,091 | |
24 |
- | 293 | 692 | 1,091 | |
29/58 |
52,063 | 59,635 | 43,590 | 14,292 | |
40/41 |
40,401 | 57,787 | 41,400 | 782 | |
40 |
38,106 | 53,982 | 36,894 | - | |
41 |
2,296 | 3,805 | 4,506 | 782 | |
50/53 |
- | - | 0 | - | |
54/58 |
11,662 | 1,847 | 2,190 | 13,510 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
52,063 | 68,102 | 69,124 | 56,891 | |
10/15 |
21,535 | 40,795 | 49,833 | 31,049 | |
10/11 |
7,000 | 7,000 | 7,000 | 7,000 | |
10 |
- | - | - | 7,000 | |
100 |
- | - | - | 7,000 | |
11 |
- | 7,000 | - | - | |
1100/10 |
- | 7,000 | - | - | |
13 |
10,700 | 10,700 | 10,700 | 5,700 | |
130/1 |
5,700 | 5,700 | 10,700 | 700 | |
1311 |
5,700 | 5,700 | 700 | 700 | |
1319 |
- | - | 10,000 | - | |
133 |
5,000 | 5,000 | - | 5,000 | |
14 |
3,835 | 23,095 | 32,133 | 18,349 | |
17/49 |
30,528 | 27,307 | 19,291 | 25,842 | |
42/48 |
30,528 | 27,307 | 19,291 | 25,842 | |
44 |
26,110 | 18,918 | 10,232 | 1,463 | |
440/4 |
26,110 | 18,918 | 10,232 | 1,463 | |
45 |
4,256 | 8,390 | 9,058 | 11,205 | |
450/3 |
549 | 7,534 | 6,203 | 7,205 | |
454/9 |
3,707 | 855 | 2,855 | 4,000 | |
47/48 |
162 | - | - | 13,174 | |
| Income statement | |||||
70 |
79,696 | - | - | - | |
76A |
- | - | 2,737 | - | |
9900 |
-12,112 | 12,570 | 51,676 | 40,767 | |
60/61 |
93,098 | - | - | - | |
62 |
- | 1,236 | 8,540 | - | |
630 |
8,467 | 17,066 | 17,066 | 8,598 | |
640/8 |
1,111 | 648 | 0 | 790 | |
9901 |
-21,690 | -6,380 | 26,070 | 31,378 | |
75/76B |
- | 1 | - | - | |
75 |
- | 1 | - | - | |
65/66B |
232 | 1,328 | 309 | 124 | |
65 |
232 | 1,328 | 309 | 124 | |
9903 |
-21,922 | -7,707 | 25,761 | 31,254 | |
67/77 |
-2,662 | 1,331 | 6,977 | 7,205 | |
9904 |
-19,260 | -9,038 | 18,784 | 24,049 | |
9905 |
-19,260 | -9,038 | 18,784 | 24,049 | |
| Appropriation of the result | |||||
9906 |
3,835 | 23,095 | 37,133 | 24,049 | |
14P |
23,095 | 32,133 | 18,349 | - | |
691/2 |
- | - | 5,000 | 5,700 | |
6920 |
- | - | - | 700 | |
6921 |
- | - | 5,000 | 5,000 | |
| Social balance sheet | |||||
Hours worked1013 |
- | - | 0 | - | |
| Document | |||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| -13,223 | 10,686 | 43,136 | 39,977 | ||
| -10,792 | 8,028 | 35,849 | 32,648 | ||
| 0 | 0 | 0 | 51,198 | ||
| 9,814 | -343 | -11,319 | - | ||
| 21,535 | 32,327 | 24,300 | -11,550 | ||
| -27.2% | - | - | - | ||
| 41.4% | 59.9% | 72.1% | 54.6% | ||
| 1.71 | 2.18 | 2.26 | 0.55 | ||
| 1.42 | 0.67 | 0.39 | 0.83 | ||
| -89.4% | -22.2% | 37.7% | 77.5% | ||
| -37.0% | -13.3% | 27.2% | 42.3% | ||
| -57.07 | 8.05 | over 100 | over 100 | ||
| 175 days | - | - | - | ||
| 102 days | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2023 |
|---|---|
| Employees at the balance-sheet date | 0 |
| full-time | 0 |
| part-time | 0 |
Source: social balance sheet in the 2023 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €1,198 |
| Intangible fixed assets | - | - | - | €50,000 |
| €8,467 | €17,066 | €17,066 | €8,598 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on JAYTECH
The operating result for 2025 is a loss of €21,690, larger than the loss of €6,380 in 2024. It is the lowest result since 2022.
Debt's share of the balance-sheet total rises from 40.1% to 58.6%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector
since 25-02-2022
term without a fixed end
listed in the 2024 annual accounts, filed on 29-08-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 10-03-2022
Mandates through the years
1 name, the dashed line is todayControl
Capital
- Contribution
- €7,000
- Shares
- 100
- Contribution per share
- €70
- Equity per share
- €215 in 2025
- Source
- deed of 10-03-2022
Articles of association
deed of 10-03-2022 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering bepaalt aantal,duur en bij meerdere bestuurders bevoegdheid”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Recht algemene vergadering om één of meerdere vereffenaars aan te duiden,bevoegdheden te omlijnen en vergoeding te bepalen, ontbinding om…”
Shareholders
At incorporation
deed of 10-03-2022 ↗
- JOUILI Adel 100 shares (100%) · €7,000 in cash
Network & group
No group
JAYTECH has no parent and no holdings in its annual accounts. JOUILI Adel is the only director. JAYTECH shares no director with another company.
At the same address
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Timeline
Timeline
9 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
2025
Weakest financial year net -€19,260 The net result drops to -€19,260, the lowest from 2022 to 2025.
Annual accounts 2024 filed PDFmicro format · 29 days late
2024
Annual accounts 2023 filed PDFfull format · 28 days late
2023
Liquidity more than quadruples current ratio 2.26 The current ratio rises from 0.55 to 2.26. Short-term debt falls from €25,842 to €19,291.
Annual accounts 2022 filed PDFmicro format · 31 days late
2022
Registered in the Peppol Directory Reachable for e-invoices through 0208:0782998549
IncorporationFounding capital of €7,000, 100 shares · Founder: JOUILI Adel (comparant) · Appointment: JOUILI Adel (director) · published on 10-03-20225 points ▸
- Founder, JOUILI Adel (comparant)
- Founding capital, €7,000, 100 shares
- Registered office clause, Mechelsesteenweg 455 bus 1, 1950 Kraainem
- Director appointment, JOUILI Adel
- JOUILI Adel holds all the shares
- The deed holds 3 more points.
First establishment Steenweg op Mechelen 455, Kraainem
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
JAYTECH was incorporated on 8 March 2022 as a private limited company by one natural person, with a starting capital of €7,000.12 Since 2022, JOUILI Adel has served as director.3 Total assets went from €56,891 in 2022 to €52,063 in 2025.4
Company details
Identity
- Enterprise number
- 0782.998.549
- VAT number
- BE 0782.998.549
- Peppol ID
- 0208:0782998549
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 08-03-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00deed of 10-03-2022 (in Dutch)
- Peppol
- Reachable since 04-04-2022Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- JAYTECH in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202543211
General electrical installation work main activity
62100
Computer programming
Codes under NACEBEL 2008
43211
Specialised construction activities main activity
43212
Specialised construction activities
43999
Specialised construction activities
62010
Computer programming, consultancy and related activities
62020
IT consultancy
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Elektrotechnische installaties aan gebouwen; Computerwetenschappen in het algemeen: de ontwikkeling en het ontwerpen van software, de studie…”deed of 10-03-2022 (in Dutch)
8 activities
- Elektrotechnische installaties aan gebouwen
- Computerwetenschappen in het algemeen: de ontwikkeling en het ontwerpen van software, de studie van computerprojecten in brede zin, en alles dat direct of indirect verbonden is aan IT, consultancy, training, marketing van diensten en producten, hardware- en softwareonderhoud
- Het leveren, plaatsen, herstellen en onderhouden van alarmsystemen, systemen voor automatisatie, systemen voor brandveiligheid, beveiligingssystemen en camerasystemen
- Aanbieden van telecomdiensten
- Kopen en verkopen van groothandel en detailhandel, bemiddelende functie, verhuur, import of export van: alle elektrische en elektronische apparatuur
- Kopen en verkopen van groothandel en detailhandel, bemiddelende functie, verhuur, import of export van: alle kantoor- en computerapparatuur, kantoorbenodigdheden, telefoons, Gsm, fax
- Kopen en verkopen van groothandel en detailhandel, bemiddelende functie, verhuur, import of export van: beveiligingsmaterialen, alarminstallaties, brandbeveiligingsapparaten
- De aan- en verkoop, evenals het beheer van onroerend goed met het oog op vermogensbeheer
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Steenweg op Mechelen 455 registered office 1950 Kraainem | 08-03-2022 | 2.328.894.081 |
Buildings and parcels at the address
- Ground area
- 1.1 ha
- Buildings
- 865 m²
- Volume, LiDAR
- 33,994 m³
- Tallest building
- 42.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 22002C0073/00N009 | 1.1 ha | 1 · 865 m² | 42.8 m · 14 |
Contact
E-mail
jouiliadel2@hotmail.com establishment in Kraainem
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0782.998.549