JTA
ActiveSummary
JTA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54,828 and a net result of -€2,310. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability62▼-14
Solvency80▼-17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.11 against 3.21 in 2024; short-term debt: 45% and cash: 44.5% of total assets), and 45% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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 2025Solvency, return and age of the figures
Solvency
55%
Return on assets
-2.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 d late
2024
74 d early
2023
52 d early
2022
64 d early
2021
16 d late
2020
49 d early
2019
71 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 June (4 of the last 5 filed years within 58 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€54,828▼ 4.0%
2024 · €57,138
Total assets
€99,766▲ 25.0%
2024 · €79,803
Net result
-€2,310
2024 · €4,319
Working capital
€49,757▼ 0.6%
2024 · €50,081
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,988€2,943€14,645▲ 398%€8,870▼ 39.4%-€1,071
Net result-€17,754below the sector's middle half€5,067within the sector's middle half€11,425within the sector's middle half▲ 125%€4,319within the sector's middle half▼ 62.2%-€2,310within the sector's middle half
Equity€25,528within the sector's middle half▼ 42.1%€29,795within the sector's middle half▲ 16.7%€40,419within the sector's middle half▲ 35.7%€57,138within the sector's middle half▲ 41.4%€54,828within the sector's middle half▼ 4.0%
Total assets€73,392within the sector's middle half▼ 29.6%€74,039within the sector's middle half▲ 0.9%€114,553within the sector's middle half▲ 54.7%€79,803within the sector's middle half▼ 30.3%€99,766within the sector's middle half▲ 25.0%
Debt€47,864▼ 20.5%€44,245▼ 7.6%€74,133▲ 67.6%€22,664▼ 69.4%€44,938▲ 98.3%
Working capital€16,937within the sector's middle half▼ 47.7%€15,536within the sector's middle half▼ 8.3%€23,468within the sector's middle half▲ 51.1%€50,081within the sector's middle half▲ 113%€49,757within the sector's middle half▼ 0.6%
Solvency34.8%within the sector's middle half▼ 7.5pp40.2%within the sector's middle half▲ 5.5pp35.3%within the sector's middle half▼ 5.0pp71.6%above the sector's middle half▲ 36.3pp55.0%within the sector's middle half▼ 16.6pp
Current ratio1.35within the sector's middle half▼ 0.181.35within the sector's middle half=1.32within the sector's middle half▼ 0.033.21above the sector's middle half▲ 1.892.11within the sector's middle half▼ 1.10
Return on assets (ROA)-24.2%below the sector's middle half▼ 36.8pp6.8%within the sector's middle half▲ 31.0pp10.0%within the sector's middle half▲ 3.1pp5.4%within the sector's middle half▼ 4.6pp-2.3%within the sector's middle half▼ 7.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,071 after €8,870 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99,766
Fixed assets
€5,071 ▼ 28.2%
Current assets
€94,696 ▲ 30.2%
Equity and liabilities €99,766
Equity
€54,828 ▼ 4.0%
Debt
€44,938 ▲ 98.3%
Debt's share of the balance-sheet total rises from 28.4% to 45.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6,885▼
2024 · €19,509
Cash flow
€5,646▼
2024 · €14,958
Quick ratio
0.99▼
2024 · 1.45
Debt to equity
0.82▲
2024 · 0.40
ROE
-4.2%▼
2024 · 7.6%
Interest coverage
5.56▼
2024 · 7.99
Debt ≤ 1 year
€44,938▲
2024 · €22,664
Income taxes
€0▼
2024 · €2,844
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 12,321 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,716 | - | - | - | €3,306 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,322 | €6,109 | €13,051 | €10,638 | €7,956 | ▼ 25.2% |
| Other operating charges640/8 | €74 | €1,200 | €1,284 | €1,961 | €3,237 | ▲ 65.1% |
| Gross operating margin9900 | -€6,592 | €10,252 | €28,980 | €21,469 | €10,122 | ▼ 52.9% |
| Operating profit (loss)9901 | -€14,988 | €2,943 | €14,645 | €8,870 | -€1,071 | ▼ 112% |
| Financial income75/76B | - | €3,451 | - | €734 | - | - |
| Recurring financial income75 | - | €3,451 | - | €734 | - | - |
| Non-recurring financial income76B | - | €3,451 | - | - | - | - |
| Financial charges65/66B | €1,624 | €1,129 | €3,386 | €2,441 | €1,239 | ▼ 49.2% |
| Recurring financial charges65 | €1,624 | €1,129 | €3,386 | €2,441 | €1,239 | ▼ 49.2% |
| Profit (loss) for the period before taxes9903 | -€16,613 | €5,264 | €11,259 | €7,163 | -€2,310 | ▼ 132% |
| Income taxes67/77 | €1,141 | €198 | -€166 | €2,844 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€17,754 | €5,067 | €11,425 | €4,319 | -€2,310 | ▼ 153% |
| Profit (loss) for the period to be appropriated9905 | -€17,754 | €5,067 | €11,425 | €4,319 | -€2,310 | ▼ 153% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €73,392 | €74,039 | €114,553 | €79,803 | €99,766 | ▲ 25.0% |
| Fixed assets21/28 | €8,590 | €14,259 | €17,696 | €7,058 | €5,071 | ▼ 28.2% |
| Tangible fixed assets22/27 | €8,590 | €14,259 | €17,696 | €7,058 | €5,071 | ▼ 28.2% |
| Plant, machinery and equipment23 | €1,656 | €967 | €1,129 | €663 | €1,777 | ▲ 168% |
| Furniture and vehicles24 | €6,934 | €13,292 | €16,567 | €6,395 | €3,293 | ▼ 48.5% |
| Current assets29/58 | €64,802 | €59,780 | €96,857 | €72,745 | €94,696 | ▲ 30.2% |
| Stocks and contracts in progress3 | €34,850 | €23,013 | €93,490 | €39,860 | €50,315 | ▲ 26.2% |
| Stocks30/36 | €34,850 | €23,013 | €93,490 | €39,860 | €50,315 | ▲ 26.2% |
| Amounts receivable within one year40/41 | €3,001 | €678 | €3,293 | €12,657 | €0 | ▼ 100% |
| Trade receivables40 | €403 | - | - | €7,040 | €0 | ▼ 100% |
| Other amounts receivable41 | €2,598 | €678 | €3,293 | €5,617 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €26,294 | €35,796 | - | €20,228 | €44,381 | ▲ 119% |
| Deferred charges and accrued income490/1 | €657 | €294 | €74 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €73,392 | €74,039 | €114,553 | €79,803 | €99,766 | ▲ 25.0% |
| Equity10/15 | €25,528 | €29,795 | €40,419 | €57,138 | €54,828 | ▼ 4.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €18,600 | €18,600 | = |
| Reserves13 | €19,328 | €23,595 | €34,219 | €38,538 | €36,228 | ▼ 6.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €3,828 | - | - | - | - | - |
| Distributable reserves133 | €13,640 | €21,735 | €32,359 | €38,538 | €36,228 | ▼ 6.0% |
| Amounts payable17/49 | €47,864 | €44,245 | €74,133 | €22,664 | €44,938 | ▲ 98.3% |
| Amounts payable within one year42/48 | €47,864 | €44,245 | €73,389 | €22,664 | €44,938 | ▲ 98.3% |
| Trade debts44 | €6,233 | €7,168 | €10,705 | €1,358 | €9,883 | ▲ 628% |
| Suppliers440/4 | €6,233 | €7,168 | €10,705 | €1,358 | €9,883 | ▲ 628% |
| Taxes, remuneration and social security45 | €5,661 | €1,414 | €840 | €2,844 | €15,793 | ▲ 455% |
| Taxes450/3 | €5,061 | €814 | €240 | €2,844 | €15,193 | ▲ 434% |
| Remuneration and social security454/9 | €600 | €600 | €600 | - | €600 | - |
| Other amounts payable47/48 | €35,971 | €35,663 | €61,844 | €18,462 | €19,263 | ▲ 4.3% |
| Accrued charges and deferred income492/3 | - | - | €745 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€17,754 | €5,067 | €11,425 | €4,319 | -€2,310 | ▼ 153% |
| + Depreciation and write-downs630 | €8,322 | €6,109 | €13,051 | €10,638 | €7,956 | ▼ 25.2% |
| Operating cash flow (approximation) | -€9,432 | €11,176 | €24,475 | €14,958 | €5,646 | ▼ 62.3% |
| Investment in fixed assets (approximation) | - | -€11,777 | -€16,488 | €0 | -€5,969 | - |
| Change in cash | - | €9,501 | - | - | €24,152 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
18-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.21
Current ratio from 1.32 to 3.21; short-term debt falls from €73,389 to €22,664.
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5,067
Net result €5,067 after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Weakest financial yearnet -€17,754
Net result drops to -€17,754, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €20,004
Net result €20,004 after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herk-de-Stad · 1 establishment unit since 2002
Ground area
1,054 m²
Building footprint
224 m²
Volume, LiDAR
1,006 m³
Parcel 71012A0057/00N000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JTA
since 20022.095.519.506
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71012A0057/00N000 | Flanders | 1,053 m² | 1 · 224 m² | 7.3 m · 1 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.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,374 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476223577
Also
9925:BE0476223577
Registered
13-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.