REMI & JAY

Active

Private limited company (pre-2019)founded 20197 yrs activeOpaallaan 115, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0717.726.952

The computed 12-month bankruptcy probability of REMI & JAY is 6.6% (elevated). The 2024 annual accounts show equity of €63k and a net result of €25k. Equity is growing by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 6717 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+64

Solvency88▲+17

Growth78▲+26

Track record100

Bankruptcy probability, 12 months

6.6% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days only on tighter terms

Liquidity ample (current ratio 3.32 against 2.37 in 2023; short-term debt: 30.1% and cash: 0.8% of total assets), and 37% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-12-2025, 134 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 6 filings

Deviation from the deadline

2025

not confirmed

2024

134 d late

2023

124 d late

2022

134 d late

2021

150 d late

2020

109 d late

2019

90 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€63k▲ 67.5%

2023 · €37k

2019: €6k 2020: €2k 2021: €24k 2022: €38k 2023: €37k

2019 → 2024

Total assets

€99k▲ 22.4%

2023 · €81k

2019: €23k 2020: €25k 2021: €47k 2022: €81k 2023: €81k

2019 → 2024

Net result

€25k

2023 · €-885

2019: €246 2020: €-4k 2021: €22k 2022: €14k 2023: €-885

2019 → 2024

Working capital

€69k▲ 55.8%

2023 · €45k

2019: €6k 2020: €8k 2021: €28k 2022: €33k 2023: €45k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€2k-€24k▲ 996%€38k▲ 59.6%€37k▼ 2.3%€63k▲ 67.5%

Operating result€-4k-€24k€18k▼ 26.1%€5k▼ 74.5%€35k▲ 668%

Net result€-4k-€22k€14k▼ 34.4%€-885€25k

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 668% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €99k

63.0%

37.0%

Equity €63k▲ 67.5%

Debt €37k▼ 16.1%

The debt ratio falls from 54.0% to 37.0%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€35k▲

2023 · €7k

Cash flow

€25k▲

2023 · €1k

Solvency

63.0%▲

2023 · 46.0%

Current ratio

3.32▲

2023 · 2.37

Quick ratio

3.32▲

2023 · 2.37

Debt / equity

0.59▼

2023 · 1.17

ROE

40.3%▲

2023 · -2.4%

ROA

25.4%▲

2023 · -1.1%

Interest coverage

16.53▲

2023 · 2.28

Debt

€37k▼

2023 · €44k

Debt ≤ 1 year

€30k▼

2023 · €33k

Debt > 1 year

€7k▼

2023 · €11k

Income taxes

€8k▲

2023 · €2k

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€81k€99k▲

Formation expenses20€3-

Fixed assets21/28€4k-

Tangible fixed assets22/27€4k-

Furniture and vehicles24€4k-

Current assets29/58€77k€99k▲

Amounts receivable within one year40/41€77k€93k▲

Trade receivables40-€8k

Other amounts receivable41€77k€85k▲

Current investments50/53-€6k

Cash at bank and in hand54/58€251€827▲

Deferred charges and accrued income490/1€28-

Equity and liabilities

Total equity and liabilities10/49€81k€99k▲

Equity10/15€37k€63k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€31k€56k▲

Amounts payable17/49€44k€37k▼

Amounts payable after more than one year17€11k€7k▼

Financial debts170/4€11k€7k▼

Amounts payable within one year42/48€33k€30k▼

Current portion of amounts payable after more than one year42€4k€4k▲

Trade debts44€10k€11k▲

Suppliers440/4€10k€11k▲

Taxes, remuneration and social security45€4k€15k▲

Taxes450/3€4k€15k▲

Other amounts payable47/48€14k-

Income statement Code20232024

Non-recurring operating income76A€2k€6k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3▼

Other operating charges640/8€13k€6k▼

Gross operating margin9900€19k€41k▲

Operating profit (loss)9901€5k€35k▲

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€2k€33k▲

Income taxes67/77€2k€8k▲

Profit (loss) for the period9904€-885€25k▲

Profit (loss) for the period to be appropriated9905€-885€25k▲

Appropriation of the result

Profit (loss) to be appropriated9906€31k€56k▲

Profit (loss) brought forward from the previous period14P€32k€31k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

2025

12-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 134 days late

2024

31-12

Financial Back to profitnet €25k

Net result €25k after one loss-making year.

02-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 124 days late

2023

12-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 134 days late

2022

28-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 150 days late

2021

31-12

Financial Back to profitnet €22k

Net result €22k after one loss-making year.

17-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 109 days late

2020

31-12

Financial Weakest financial yearnet €-4k ▼1831%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

29-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 90 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Schaarbeek · 2 establishment units since 2019

establishment All 2 establishment units on the map

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.

Opaallaan 1151030 Schaarbeek

Ground area

1,172 m²

Building footprint

252 m²

Volume, LiDAR

4,673 m³

2 parcels, Brussels, Flanders · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.

2 establishment units

REMI & JAY

Opaallaan 115, 1030 SchaarbeekNon-scheduled passenger transport by road

since 20192.283.955.862

REMI AND JAY

Rijselstraat 134, 8200 BruggeNon-scheduled passenger transport by road

since 20192.302.756.937

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31030A0395/00L000	Flanders	908 m²	1 · 32 m²	13.1 m · 4 fl.
21905C0149/00S010	Brussels	264 m²	1 · 220 m²	22.9 m · 7 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.

Similar companies · same sector, comparable size

Of 6,681 companies in sector 49330 we hold annual accounts for 2,284. 1,803 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded07-01-2019

Fiscal year end31-12

Activities, NACEBEL

49320Taxi operation

49330On-demand passenger transport by chauffeured vehicle

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:NREGIS2008@YAHOO.FR

Establishment Schaarbeek 2.283.955.862

Phone:0485536961

Establishment Schaarbeek 2.283.955.862