J-SAY
The computed 12-month bankruptcy probability of J-SAY is ≥ 25% (high). The 2024 annual accounts show negative equity (€-163) and a net result of €3k. Its solvency ranks better than 31% of 5651 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 3 administrative register entries (see administrative flags).
| Equity | €-163 |
| Net result | €3k |
| Better than sector | 31% |
| Active | 3 yrs |
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -0.5% | 19.3% | |
| Net result | €3k | €4k | |
| Equity | €-163 | €14k | |
| Gross operating margin | €3k | €52k | |
| Total assets | €30k | €87k |
Show 4 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €3k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €30k |
| Equity | €-163 |
| Debt | €30k |
| of which ≤ 1y | €30k |
| of which > 1y | - |
| Working capital | €-163 |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 0.99 |
| Quick ratio | 0.28 |
| Working capital ratio | -0.5% |
| Solvency | -0.5% |
| Debt / equity | -186.98 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 9.8% |
| ROE | -1817.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (18 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €30k |
| Current assets | 29/58 | €30k |
| Stocks & contracts in progress | 3 | €22k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €30k |
| Equity | 10/15 | €-163 |
| Contributions / capital | 10/11 | €4k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €30k |
| Amounts payable within one year | 42/48 | €30k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €3k |
| Operating result | 9901 | €3k |
| Financial charges | 65 | €100 |
| Result before taxes | 9903 | €3k |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
-
Fatihi MohamedDirectorState Gazette act 23029190 (28-02-2023)Current28-02-2023 → present
Former directors (1)
-
En-Naly YousraDirectorState Gazette act 23029190 (28-02-2023)Former- → 28-02-2023
| NACE primary | Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112) |
| Legal form | Private limited company(610) |
| Incorporation | 09-01-2023 |
| Status | Active |
| Postal code | 1800 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0866/00X000 | Flanders | 93 m² | 1 · 82 m² | 11.0 m · 3 fl. |
| 21819C0043/00W009 | Brussels | 91 m² | 1 · 92 m² | 16.1 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.
We hold 2 further earlier events in this file, covering 28-02-2025 to 26-09-2025.
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
19-09-2025 Registered office moved from Dilbeek to Vilvoorde
- Oudesmidsestraat 20, 1700 Dilbeek → Guldenschaapstraat 6, 1800 Vilvoorde
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "Guldenschaapstraat 6, 1800 Vilvoorde",
"city": "Vilvoorde",
"region": "vlaams_gewest",
"street": "Guldenschaapstraat",
"country": "BE",
"postcode": "1800",
"box_number": null,
"street_number": "6",
"locality_suffix": null
},
"old_address": {
"raw": "Oudesmidsestraat 20, 1700 Dilbeek",
"city": "Dilbeek",
"region": "vlaams_gewest",
"street": "Oudesmidsestraat",
"country": "BE",
"postcode": "1700",
"box_number": null,
"street_number": "20",
"locality_suffix": null
},
"effective_date": "2025-03-01",
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
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"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": null,
"filing_date": "2025-09-12",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2025-03-01",
"unanimous": null
},
"subject_company": {
"kbo": "0795.922.810",
"name_full": "J-SAY",
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},
"publication_proxy": {
"kind": "person",
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"org_name": null,
"person_name": "Fatihi Mohamed",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [
"Annexes du Moniteur belge"
]
}28-02-2023 1 director appointed, 1 resigning
- Fatihi Mohamed, Bestuurder
- En-Naly Yousra, Bestuurder
Technical details
{
"events": [
{
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},
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"compensated": null,
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"evidence_quote": "Uit een beslissing van de Buitengewone Algemene Vergadering gehouden op 14/02/2023, blijkt dat de Buitengewone Algemene Vergadering de benoeming aanvaardt van de heer Fatihi Mohamed, als Bestuurder.",
"decharge_status": null,
"mandate_duration": null,
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},
{
"kind": "director_out",
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},
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"evidence_quote": "Uit een beslissing van de Buitengewone Algemene Vergadering gehouden op 14/02/2023, blijkt dat de Buitengewone Algemene Vergadering de Be\u00EBindiging aanvaardt van de mevr En-Naly Yousra als Bestuurder.",
"decharge_status": null,
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},
{
"kind": "substantive_delegation",
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},
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"evidence_quote": "Uit het verslag van bijzondere algemene vergadering van 14/02/2023, draagt mevr En-Naly Yousra 90 aandelen over aan heer Medhmedh Naoufal.",
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"mandate_duration": null,
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},
{
"kind": "substantive_delegation",
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},
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"mandate_duration": null,
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"rep_rotation_old_rep": null,
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}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Brussel",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2023-02-28",
"filing_date": "2023-02-20",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "buitengewone_algemene_vergadering",
"date": "2023-02-14",
"unanimous": null
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2023-02-14",
"unanimous": null
},
{
"body": "bijzondere_algemene_vergadering",
"date": "2023-02-14",
"unanimous": null
},
{
"body": "bijzondere_algemene_vergadering",
"date": "2023-02-14",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0795.922.810",
"name_full": null,
"legal_form": "BV"
},
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [],
"corrected_publication_numac": null
}| Legal nameNL | J-SAY |
- 26-09-2025 Address strikeout annulled
- 12-05-2025 Address struck
- 28-02-2025 Address struck