JYOTI
ActiveJYOTI has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €2k. Its solvency ranks better than 41% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability82
Solvency41
Growth-
Track record67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
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 dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€3k
Total assets
€18k
Net result
€2k
Working capital
€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €18k
Fixed assets
€15k
Current assets
€3k
Equity and liabilities €18k
Equity
€3k
Debt
€15k
Debt finances 83.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€6k
Cash flow
€5k
Solvency
16.5%
Current ratio
0.22
Quick ratio
0.22
Debt / equity
5.06
ROE
66.3%
ROA
10.9%
Interest coverage
132.35
Debt
€15k
Debt ≤ 1 year
€15k
Income taxes
€572
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€18k
Fixed assets21/28€15k
Tangible fixed assets22/27€15k
Furniture and vehicles24€11k
Other tangible fixed assets26€4k
Current assets29/58€3k
Amounts receivable within one year40/41€3k
Trade receivables40€3k
Cash at bank and in hand54/58€337
Deferred charges and accrued income490/1€74
Equity and liabilities
Total equity and liabilities10/49€18k
Equity10/15€3k
Contributions10/11€1k
Profit (loss) carried forward14€2k
Amounts payable17/49€15k
Amounts payable within one year42/48€15k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€572
Taxes450/3€572
Other amounts payable47/48€13k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€453
Gross operating margin9900€6k
Operating profit (loss)9901€3k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€42
Recurring financial charges65€42
Profit (loss) for the period before taxes9903€3k
Income taxes67/77€572
Profit (loss) for the period9904€2k
Profit (loss) for the period to be appropriated9905€2k
Appropriation of the result
Profit (loss) to be appropriated9906€2k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Ciney · 1 establishment unit since 2025
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.
Rue du Commerce 1225590 CineyGround area
250 m²
Building footprint
109 m²
Parcel 91030A0355/00K010, Wallonia. Linked by address, not a title deed.
1 establishment unit
JYOTI
since 20252.373.638.894
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0355/00K010 | Wallonia | 250 m² | 1 · 109 m² | - |
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 7,013 companies in sector 96999 we hold annual accounts for 602. 201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded10-04-2025
Fiscal year end31-12
Activities, NACEBEL
96999Other personal services
85593Socio-cultural adult education
85599Other education
86931Psychology services
86995Nutrition and dietetics services
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.