JJA
ActiveJJA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €212k and a net result of €22k. Equity is shrinking by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 106 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability74▲+2
Solvency63▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.94 in 2025; short-term debt: 26.8% and cash: 2.8% of total assets), and 62.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
37.9%
Return on assets
3.9%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 13-09-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
48 d early
2025
44 d early
2024
52 d early
2023
54 d early
2022
32 d early
2021
33 d early
2020
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€212k▼ 10.3%
2025 · €237k
2019: €348k
2020: €421k
2021: €459k
2022: €445k
2023: €445k
2024: €266k
2025: €237k
2019 → 2026
Total assets
€559k▼ 12.0%
2025 · €636k
2019: €967k
2020: €1.00M
2021: €1.03M
2022: €955k
2023: €887k
2024: €673k
2025: €636k
2019 → 2026
Net result
€22k▲ 32.8%
2025 · €16k
2019: €85k
2020: €73k
2021: €38k
2022: €55k
2023: €634
2024: €7k
2025: €16k
2019 → 2026
Working capital
€-51k▼ 507%
2025 · €-8k
2019: €11k
2020: €44k
2021: €78k
2022: €61k
2023: €56k
2024: €33k
2025: €-8k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€445k-€445k▲ 0.1%€266k▼ 40.2%€237k▼ 11.2%€212k▼ 10.3%
Operating result€93k-€87k▼ 6.8%€38k▼ 55.8%€37k▼ 3.3%€34k▼ 8.4%
Net result€55k-€634▼ 98.9%€7k▲ 1,044%€16k▲ 124%€22k▲ 32.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2026 is 8% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €559k
Fixed assets
€461k▼ 6.6%
Current assets
€98k▼ 30.7%
Equity and liabilities €559k
Equity
€212k▼ 10.3%
Debt
€347k▼ 13.0%
The debt ratio falls from 62.8% to 62.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€66k▼
2025 · €76k
Cash flow
€54k▼
2025 · €55k
Solvency
37.9%▲
2025 · 37.2%
Current ratio
0.66▼
2025 · 0.94
Quick ratio
0.66▼
2025 · 0.94
Debt / equity
1.64▼
2025 · 1.69
ROE
10.2%▲
2025 · 6.9%
ROA
3.9%▲
2025 · 2.6%
Interest coverage
9.33▲
2025 · 8.98
Debt
€347k▼
2025 · €399k
Debt ≤ 1 year
€150k▼
2025 · €150k
Debt > 1 year
€197k▼
2025 · €249k
Income taxes
€10k▼
2025 · €19k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€636k€559k▼
Fixed assets21/28€494k€461k▼
Tangible fixed assets22/27€494k€461k▼
Land and buildings22€480k€451k▼
Other tangible fixed assets26€14k€10k▼
Current assets29/58€142k€98k▼
Amounts receivable within one year40/41€111k€79k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€110k€78k▼
Cash at bank and in hand54/58€20k€16k▼
Deferred charges and accrued income490/1€11k€4k▼
Equity and liabilities
Total equity and liabilities10/49€636k€559k▼
Equity10/15€237k€212k▼
Contributions10/11€10k€10k=
Reserves13€226k€202k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€224k€200k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€399k€347k▼
Amounts payable after more than one year17€249k€197k▼
Financial debts170/4€249k€197k▼
Amounts payable within one year42/48€150k€150k▼
Current portion of amounts payable after more than one year42€50k€51k▲
Financial debts43€0€4k▲
Credit institutions430/8€0€4k▲
Trade debts44€91k€91k▼
Suppliers440/4€91k€91k▼
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€0-
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€32k▼
Other operating charges640/8€11k€10k▼
Non-recurring operating charges66A-€367
Gross operating margin9900€87k€76k▼
Operating profit (loss)9901€37k€34k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€35k€31k▼
Income taxes67/77€19k€10k▼
Profit (loss) for the period9904€16k€22k▲
Profit (loss) for the period to be appropriated9905€16k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€22k▲
Transfer from equity791/2€46k€46k▼
Transfer to equity691/2€16k€22k▲
To other reserves6921€16k€22k▲
Profit to be distributed694/7€46k€46k▼
Return on contributions (dividend)694€46k€46k▼
The notes to these accounts (13 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 2027, expected by
2026
13-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet €634 ▼98.9%
Net result drops to €634, the lowest in the series; recovery starts the following year.
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Halle · 1 establishment unit since 2002
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.
Edingensesteenweg 24B1500 HalleGround area
372 m²
Building footprint
291 m²
Volume, LiDAR
1,869 m³
Parcel 23027F0196/00L002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JJA
since 20022.099.159.578
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0196/00L002 | Flanders | 372 m² | 1 · 291 m² | 10.0 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2002
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.