JAGO · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JAGO is 0.1% (very low). The 2025 annual accounts show equity of €992k and a net result of €64k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 4723 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	02-07-2026	29 d early	2026-00241913
31-12-2024	31-07-2025	17-07-2025	14 d early	2025-00279571
31-12-2023	31-07-2024	18-07-2024	13 d early	2024-00256864
31-12-2022	31-07-2023	31-07-2023	on the day	2023-00291690
31-12-2021	31-07-2022	20-07-2022	11 d early	2022-20203982
31-12-2020	31-07-2021	28-07-2021	3 d early	2021-41900484
31-12-2019	31-07-2020	30-07-2020	1 d early	2020-37200212
31-12-2018	31-07-2019	31-07-2019	on the day	2019-42400109
31-12-2017	31-07-2018	29-08-2018	29 d late	2018-54000098
31-12-2016	31-07-2017	30-08-2017	30 d late	2017-55300506

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2011, 15 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: healthy financial profile −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€64k-66.5%

Working capital€-758k-50.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-07-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~8.5%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	49.1%	55.5%	better than 45% of 4723 sector peers
Net result	€64k	€38k	better than 69% of 4722 sector peers
Equity	€992k	€64k	better than 95% of 4723 sector peers
Gross operating margin	€168k	€61k	better than 88% of 4715 sector peers
Total assets	€2.02M	€146k	better than 95% of 4723 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P45

Weakening position over 2020-2025 · n=1371-12464

Net result P69

Improving position over 2020-2025 · n=1371-12466

Equity P95

Stable position over 2020-2025 · n=1373-12472

Gross operating margin P88

Improving position over 2020-2025 · n=1369-12452

Describes the position versus peers, not a forecast.

EBITDA

€165k

-29.6% 18-25

Net profit

€64k

-66.5% 18-25

Cash flow

€143k

-30.4% 18-25

Total assets

€2.02M

+19.1% 18-25

Equity

€992k

+6.9% 18-25

Working capital

€-758k

-50.1% 18-25

Income taxes

€23k

-53.9% 18-25

Dividends

€0

-100.0% 18-25

Debt

€1.03M

+33.9% 18-25

Debt ≤ 1y

€969k

+26.4% 18-25

Debt > 1y

€58k

- 18-25

Current ratio

0.22

-36.2% 18-25

Quick ratio

0.22

-36.2% 18-25

Solvency

49.1%

-10.3% 18-25

Debt / equity

1.04

+25.3% 18-25

ROE

6.4%

-68.6% 18-25

ROA

3.2%

-71.8% 18-25

Interest coverage

42.67

+71.4% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€165k
Net profit	€64k
Cash flow	€143k
Staff costs	-
Income taxes	€23k
Dividends	-
Total assets	€2.02M
Equity	€992k
Debt	€1.03M
of which ≤ 1y	€969k
of which > 1y	€58k
Working capital	€-758k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.22
Quick ratio	0.22
Working capital ratio	-37.5%
Solvency	49.1%
Debt / equity	1.04
Long-term debt ratio	0.06
Interest coverage	42.67
Gross margin	-
Net margin	-
ROA	3.2%
ROE	6.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1.81M · 89.5% Current assets €212k · 10.5%

Equity & liabilities

Equity €992k · 49.1% Debt €1.03M · 50.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.02M
Fixed assets	21/28	€1.81M
Tangible fixed assets	22/27	€1.81M
Current assets	29/58	€212k
Amounts receivable within one year	40/41	€34k
Investments	50/53	€65k
Cash & bank	54/58	€111k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.02M
Equity	10/15	€992k
Contributions / capital	10/11	€8k
Reserves	13	€984k
Amounts payable	17/49	€1.03M
Amounts payable after one year	17	€58k
Amounts payable within one year	42/48	€969k
Trade debts payable within one year	44	€10k
Income statement
Gross operating margin	9900	€168k
Operating result	9901	€86k
Financial income	75	€5k
Financial charges	65	€4k
Result before taxes	9903	€87k
Income taxes	67/77	€23k
Net result for the period	9904	€64k
Result to be appropriated	9905	€64k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

49 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company

Group structure

BLUECRUX

Subsidiary · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Registered office

on the map · from the address register

seat.Municipality exact location from the address register

2 companies at this address See who is registered here

Establishment units

1 location

JAGO

Mussenburglei 71, 2650 EdegemVerlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, enz.

since 20112.201.514.374

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area824 m²

Buildings1

Building footprint262 m²

Volume (LiDAR)2,571 m³

Tallest building18.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11472B0058/00F000 ProtectedMonument · Townscape or village viewGeheel van Japanse villa en kasteel MussenborgSource ↗	Flanders	824 m²	1 · 262 m²	18.1 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

30-09-2024

Registered-office move

All acts · 1 updated 1 year ago

2024

30-09-2024 Registered office moved from Antwerpen to Edegem Registered-office change·Lars HANSEN

Ruytenburgstraat 58 → 2650 Edegem, Mussenburglei 71

Notary: Lars HANSEN · AntwerpenFirm: Deckers notarissen

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

55 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 49

Profitability 32

Solvency 61

Growth 32

Stability 100

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Credit advice

verdict per customer and amount

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

JAGO

Registered office

Mussenburglei 71

2650 Edegem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.