Ju & A Group
ActiveThe computed 12-month bankruptcy probability of Ju & A Group is 3.3% (moderate). The 2024 annual accounts show equity of €32k and a net result of €2k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 6537 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▼-24
Solvency36▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.11 in 2023; short-term debt: 88.7% and cash: 77.8% of total assets), and 88.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
11.3%
Return on assets
0.5%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 6537 sector peers (2024).
NBB · sector comparisonPosition among 6537 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
5 d late
2022
7 d late
2021
10 d late
2020
6 d late
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▼ 94.4%
2023 · €27k
2019: €516
2020: €6k
2021: €615
2022: €28k
2023: €27k
2019 → 2024
Working capital
€16k▼ 22.3%
2023 · €20k
2019: €19k
2020: €24k
2021: €23k
2022: €24k
2023: €20k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€29k=€28k▼ 0.8%€32k▲ 13.1%€32k▼ 0.6%
Operating result€8k-€2k▼ 76.2%€37k▲ 1,886%€37k▼ 0.3%€3k▼ 92.6%
Net result€6k-€615▼ 89.0%€28k▲ 4,513%€27k▼ 3.5%€2k▼ 94.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 93% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €284k
Fixed assets
€16k▲ 34.7%
Current assets
€267k▲ 34.5%
Equity and liabilities €284k
Equity
€32k▼ 0.6%
Debt
€252k▲ 40.9%
The debt ratio rises from 84.7% to 88.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2023 · €39k
Cash flow
€6k▼
2023 · €30k
Solvency
11.3%▼
2023 · 15.3%
Current ratio
1.06▼
2023 · 1.11
Quick ratio
1.03▼
2023 · 1.06
Debt / equity
7.88▲
2023 · 5.56
ROE
4.8%▼
2023 · 85.1%
ROA
0.5%▼
2023 · 13.0%
Interest coverage
5.02▼
2023 · 52.84
Debt
€252k▲
2023 · €179k
Debt ≤ 1 year
€252k▲
2023 · €179k
Income taxes
€2k▼
2023 · €10k
Staff costs
€55k▲
2023 · €50k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€211k€284k▲
Fixed assets21/28€12k€16k▲
Intangible fixed assets21€10k€12k▲
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23€841€614▼
Furniture and vehicles24€2k€983▼
Other tangible fixed assets26-€3k
Current assets29/58€199k€267k▲
Stocks and contracts in progress3€9k€8k▼
Stocks30/36€9k€8k▼
Amounts receivable within one year40/41€15k€28k▲
Trade receivables40€15k€28k▲
Other amounts receivable41€41-
Cash at bank and in hand54/58€173k€221k▲
Deferred charges and accrued income490/1€2k€10k▲
Equity and liabilities
Total equity and liabilities10/49€211k€284k▲
Equity10/15€32k€32k▼
Contributions10/11€19k€19k=
Reserves13€516€516=
Non-distributable reserves130/1€516€516=
Other1319€516€516=
Profit (loss) carried forward14€7k€8k▲
Investment grants15€6k€4k▼
Amounts payable17/49€179k€252k▲
Amounts payable within one year42/48€179k€252k▲
Trade debts44€125k€239k▲
Suppliers440/4€125k€239k▲
Taxes, remuneration and social security45€30k€10k▼
Taxes450/3€25k€2k▼
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€24k€2k▼
Income statement
Code20232024
Non-recurring operating income76A€40€982▲
Remuneration, social security and pensions62€50k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€50k
Other operating charges640/8€931€1k▲
Non-recurring operating charges66A€6€243▲
Gross operating margin9900€90k€113k▲
Operating profit (loss)9901€37k€3k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€747€1k▲
Recurring financial charges65€747€1k▲
Profit (loss) for the period before taxes9903€37k€3k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€27k€2k▼
Profit (loss) for the period to be appropriated9905€27k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€8k▼
Profit (loss) brought forward from the previous period14P€7k€7k▲
Profit to be distributed694/7€27k-
Return on contributions (dividend)694€27k-
Social balance
Average headcount (FTE)90871.61.5▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 7 days late
2022
31-12
Financial
Highest result since 2019net €28k ▲4513%
Operating result €37k, net result €28k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 6 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brussel · 1 establishment unit since 2019
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.
Emile Jacqmainlaan 161000 BrusselGround area
3,503 m²
Building footprint
1,228 m²
Volume, LiDAR
34,923 m³
2 parcels, Brussels · tallest building 36.2 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
Lindt
since 20192.288.589.096
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0879/00D000 | Brussels | 2,324 m² | 1 · 410 m² | 36.2 m · 11 fl. |
| 21805E0493/00C000 | Brussels | 1,179 m² | 1 · 818 m² | 31.5 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Marijke Stroobants
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VERSTRAETE
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Of 899 companies in sector 47242 we hold annual accounts for 339. 280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2019
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.