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JSA Wonen

Active
Private limited companyfounded 20232 yrs activeKloosterstraat 5, 1745 Opwijk, BelgiumKBO/BCE: BE 1002.832.916
Summary

JSA Wonen has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€9,729) and a net result of -€39,729. Its solvency ranks better than 10% of 14220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Checked score

Score 2025
Axes
Profitability0
Solvency2
Growth-
Track record67
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.28; short-term debt: 46.1% and cash: 50.1% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-23.2%
Return on assets
-94.9%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
1 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 30 November 2023, JSA Wonen was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€9,729
Total assets
€41,847
Net result
-€39,729
Working capital
€5,480

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €41,847
Fixed assets €17,062
Current assets €24,785
Key figures and ratios
2025 value
EBITDA
-€31,171
Cash flow
-€34,522
Solvency
-23.2%
Current ratio
1.28
Debt to equity
-5.30
ROA
-94.9%
Interest coverage
-9.30
Debt
€51,576
Debt ≤ 1 year
€19,305
Debt > 1 year
€32,271

Peer companies

Historical observation

Of the 7,663 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.4% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,663 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet Code2025
Assets
Total assets20/58€41,847
Fixed assets21/28€17,062
Tangible fixed assets22/27€15,487
Land and buildings22€6,373
Plant, machinery and equipment23€5,965
Furniture and vehicles24€3,149
Financial fixed assets28€1,575
Current assets29/58€24,785
Amounts receivable within one year40/41€3,731
Trade receivables40€1,562
Other amounts receivable41€2,169
Cash at bank and in hand54/58€20,957
Deferred charges and accrued income490/1€97
Equity and liabilities
Total equity and liabilities10/49€41,847
Equity10/15-€9,729
Contributions10/11€30,000
Profit (loss) carried forward14-€39,729
Amounts payable17/49€51,576
Amounts payable after more than one year17€32,271
Financial debts170/4€32,271
Amounts payable within one year42/48€19,305
Current portion of amounts payable after more than one year42€11,948
Taxes, remuneration and social security45€6,363
Taxes450/3€6,363
Other amounts payable47/48€993
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,207
Other operating charges640/8€772
Gross operating margin9900-€30,399
Operating profit (loss)9901-€36,378
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€3,352
Recurring financial charges65€3,352
Profit (loss) for the period before taxes9903-€39,729
Profit (loss) for the period9904-€39,729
Profit (loss) for the period to be appropriated9905-€39,729
Appropriation of the result
Profit (loss) to be appropriated9906-€39,729

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,207
Other operating charges640/8€772
Gross operating margin9900-€30,399
Operating profit (loss)9901-€36,378
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€3,352
Recurring financial charges65€3,352
Profit (loss) for the period before taxes9903-€39,729
Profit (loss) for the period9904-€39,729
Profit (loss) for the period to be appropriated9905-€39,729
Line2025
Assets
Total assets20/58€41,847
Fixed assets21/28€17,062
Tangible fixed assets22/27€15,487
Land and buildings22€6,373
Plant, machinery and equipment23€5,965
Furniture and vehicles24€3,149
Financial fixed assets28€1,575
Current assets29/58€24,785
Amounts receivable within one year40/41€3,731
Trade receivables40€1,562
Other amounts receivable41€2,169
Cash at bank and in hand54/58€20,957
Deferred charges and accrued income490/1€97
Equity and liabilities
Total equity and liabilities10/49€41,847
Equity10/15-€9,729
Contributions10/11€30,000
Profit (loss) carried forward14-€39,729
Amounts payable17/49€51,576
Amounts payable after more than one year17€32,271
Financial debts170/4€32,271
Amounts payable within one year42/48€19,305
Current portion of amounts payable after more than one year42€11,948
Taxes, remuneration and social security45€6,363
Taxes450/3€6,363
Other amounts payable47/48€993
Line2025
Profit (loss) for the period9904-€39,729
+ Depreciation and write-downs630€5,207
Operating cash flow (approximation)-€34,522

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Opwijk · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
705 m²
Building footprint
187 m²
Volume, LiDAR
1,477 m³
Parcel 23060B0555/00G000, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
JSA Wonen
Kloosterstraat 5, 1745 OpwijkAgents specialised in the wholesale of other particular products
since 20232.352.746.282
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23060B0555/00G000 Flanders 705 m² 1 · 187 m² 12.6 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 141 EUR awarded · 141 EUR paid
Year Entries awardedpaid
2024 1 141 EUR141 EUR
Schemes
1 entry · 141 EUR · 141 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,757 companies in sector 68310 we hold annual accounts for 6,907. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded30-11-2023
Fiscal year end30-06
Trade name NL Woonvast
Activities, NACEBEL 2025
68310Real estate agency activities
Contact
E-mail welkom@woonvast.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002832916
Registered 31-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.