JUST SAY SO

Active

Private limited company (pre-2019)founded 2011active for 15 yearsDorentstraat 1, 1980 Zemst, BelgiumKBO/BCE: BE 0832.812.009

Summary

The computed 12-month bankruptcy probability of JUST SAY SO is 2.4% (moderate). The 2024 annual accounts show equity of €154,179 and a net result of -€38,087. Equity is growing by about 27% per year across the filed financial years. Its solvency ranks better than 32% of 37,585 sector peers (NACE 70, financial year 2024). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

JUST SAY SOActiveChecked score 51/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

≈ €23,000turnover 2024, estimated

Equity: €154,179
Loss: -€38,087

Turnover estimated from the gross margin

Financial health

51 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 2.4%

Structure

Holdings: 1

2025 accounts not filed, 91 days past the deadline1 deed in the Belgian Official Gazette

Why 51raises riskLiquidity: current ratio 0.90, cash €0, halved1 financial year not filed after the legal deadline; last filed accounts filed 53 days late; 2 of the last 3 lateFigures for financial year 2024 (filed 22-09-2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2024

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 20% of its sector peers (NACE 70, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 62-4

equity 36.6% of total assets

Liquidity 27-7

short-term debt 46.6% · cash 0.0%

Profitability 7-51

return on assets -9.0%

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,493 companies, NACE 70, micro)

Last 24 months 11-2024: 0.3%lowest value 12-2024: 0.3%● unchanged vs 11-2024lowest value 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▲ +0.2 percentage points vs 07-2025 09-2025: 0.7%▲ +0.1 percentage points vs 08-2025 10-2025: 2.6%▲ +1.9 percentage points vs 09-2025 11-2025: 2.6%● unchanged vs 10-2025 12-2025: 2.6%● unchanged vs 11-2025 01-2026: 2.6%● unchanged vs 12-2025 02-2026: 2.6%● unchanged vs 01-2026 03-2026: 2.6%● unchanged vs 02-2026highest value 04-2026: 2.5%▼ -0.1 percentage points vs 03-2026 05-2026: 2.3%▼ -0.2 percentage points vs 04-2026 06-2026: 2.2%▼ -0.1 percentage points vs 05-2026 07-2026: 2.0%▼ -0.2 percentage points vs 06-2026 08-2026: 2.5%▲ +0.5 percentage points vs 07-2026 09-2026: 2.1%▼ -0.4 percentage points vs 08-2026 10-2026: 2.4%▲ +0.3 percentage points vs 09-2026

Credit of up to €7,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity insufficient (current ratio 0.9, compared with 1.16 in 2023, below 1; short-term debt: 46.6% and cash: 0% of total assets), and 63.4% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 35% on solvency, 11% on liquidity, 10% on profitability and 22% on growth.

The bankruptcy probability was computed on 29-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Liquidity: current ratio 0.90, cash €0, halved

NBB · annual accounts

Sector: Activities of head offices; management consultancy activities (NACE 70)

KBO

1 financial year not filed after the legal deadline; last filed accounts filed 53 days late; 2 of the last 3 late

NBB · filings

Figures for financial year 2024 (filed 22-09-2025)

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 91 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline30-10-2026 today

2024 accounts filed 53 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-09-2025, 53 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

53 days late

2023

34 days late

2022

46 days early

2021

32 days early

2020

32 days early

2019

13 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 2 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

22-09-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Weakest financial yearnet -€38,087
03-09-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Risk: 2025 accounts not fileddeadline was 31-07-2026 91 days past the deadline View
Caution: Among the weakest 5% on net resultsector median €26,137 · 37,610 companies -€38,087 View
Total assets 20246 financial years filed €420,855 View

By topic

Financials

Financial year: 2024
Total assets: €420,855
Loss: -€38,087
Solvency: 36.6%

Total assets▼ 10.9%

Net result

20182024

Go to Financials

Network & group

Holdings: 1

1 holding

Go to Network & group

Timeline

Events: 18
Since: 2012

15-06-2023Annual accounts filed
29-06-2022Annual accounts filed
31-12-2021Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Business and other management consultancyNACE 70200
Founded: 14-01-2011
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about JUST SAY SO

What is the company number of JUST SAY SO?: 0832.812.009. In Belgium the VAT number is the company number with BE in front: BE 0832.812.009.
Where is JUST SAY SO based?: The registered office is at Dorentstraat 1, 1980 Zemst.Company details
What does JUST SAY SO do?: According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of JUST SAY SO?: Private limited company (pre-2019) (BVBA).
When was JUST SAY SO founded?: On 14-01-2011.
Is JUST SAY SO still active?: Yes, JUST SAY SO is an active enterprise in the KBO register.
What is the turnover of JUST SAY SO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is JUST SAY SO profitable?: In financial year 2024, JUST SAY SO made a loss of €38,087.
Where can I find the annual accounts of JUST SAY SO?: JUST SAY SO filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2024.