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Complete company report
Generated 04-09-2026
Active BE 0783.736.541Private limited company

JANA GROUP

Rue de l' Harmonie 2 ·4800 Verviers, Belgium· 4 yrs active
Sector: Retail trade (47519)
Conclusion Checked

The computed 12-month bankruptcy probability of JANA GROUP is 7.2% (elevated). The 2023 annual accounts show negative equity (€-15k) and a net result of €-9k. Its solvency ranks better than 5% of 5811 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-15k
Net result €-9k
Better than sector 5%
Active 4 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health25Profitability100Solvency33Growth58Stability94
62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 25
Profitability 100
Solvency 33
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
7.2% Elevated
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2023 · computed
25 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
20 2022
25 2023
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 0.28 (< 1.0) -10
Quick ratio Quick ratio 0.15 (< 0.6) -5
Equity Negative equity -25
Profitability ROE 59% (≥ 10%) +10
Profit trend Net profit up YoY +5
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 22-12-2024 with the NBB · fiscal year 2023 · micro schema
€-10k€-8k€-5k€-3k€0Operating result 2022: €-10k€-10kNet result 2022: €-10k€-10kOperating result 2023: €-7k€-7kNet result 2023: €-9k€-9k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -262.8% 20.0%
better than 5% of 5811 sector peers
Net result €-9k €3k
better than 21% of 5791 sector peers
Equity €-15k €15k
better than 15% of 5819 sector peers
Gross operating margin €-4k €23k
better than 14% of 5765 sector peers
Total assets €6k €93k
better than 5% of 5811 sector peers
Net profit
€-9k
+12.8% 22-23
Total assets
€6k
+57.7% 22-23
Equity
€-15k
-145.6% 22-23
Working capital
€-14k
-142.1% 22-23
Debt
€20k
+112.9% 22-23
Debt ≤ 1y
€20k
+110.0% 22-23
Current ratio
0.28
-25.8% 22-23
Quick ratio
0.15
-60.2% 22-23
Solvency
-262.8%
-55.8% 22-23
Debt / equity
-1.38
+13.3% 22-23
ROE
59.3%
-64.5% 22-23
ROA
-155.8%
+44.7% 22-23
Figures by fiscal year and ratios
Fiscal year20232022
Depositmicro schemamicro schema
Revenue--
EBITDA--
Net profit€-9k€-10k
Cash flow--
Staff costs--
Income taxes--
Dividends--
Total assets€6k€4k
Equity€-15k€-6k
Debt€20k€9k
of which ≤ 1y€20k€9k
of which > 1y--
Working capital€-14k€-6k
Employees (FTE)--
Ratios (computed)
20232022
Current ratio0.280.37
Quick ratio0.150.37
Working capital ratio-259.1%-168.7%
Solvency-262.8%-168.7%
Debt / equity-1.38-1.59
Long-term debt ratio--
Interest coverage--
Gross margin--
Net margin--
ROA-155.8%-281.8%
ROE59.3%167.1%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2023
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20232022
Balance sheet, Assets
TOTAL ASSETS 20/58€6k€4k
Fixed assets 21/28€60-
Financial fixed assets 28€60-
Current assets 29/58€6k€4k
Stocks & contracts in progress 3€3k-
Amounts receivable within one year 40/41€711€753
Cash & bank 54/58€2k€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€6k€4k
Equity 10/15€-15k€-6k
Contributions / capital 10/11€4k€4k
Accumulated profits (losses) 14€-19k€-10k
Amounts payable 17/49€20k€9k
Amounts payable within one year 42/48€20k€9k
Trade debts payable within one year 44€5k€2k
Income statement
Gross operating margin 9900€-4k€-9k
Operating result 9901€-7k€-10k
Financial income 75€2-
Financial charges 65€1k€32
Result before taxes 9903€-9k€-10k
Net result for the period 9904€-9k€-10k
Result to be appropriated 9905€-9k€-10k
Directors & mandates 2 directors
Current directors & mandates
  • Hassan RACHIED
    Director
    State Gazette act 25097320 (30-07-2025)
    Current
    30-07-2025 → present
Former directors (1)
  • Bassam RASHID
    Director
    State Gazette act 25097320 (30-07-2025)
    Former
    - → 30-07-2025
Legal Structure
NACE primary Retail trade(47519)
Legal form Private limited company(610)
Incorporation23-03-2022
StatusActive
Postal code4800
Establishment units 1 location
JANA GROUP
Rue de l' Harmonie 2, 4800 VerviersAgents in the wholesale of textiles, clothing, fur, footwear and leather goods
since 20222.329.918.818
Updates 3 events
2025
30-07
State Gazette act Director changes
2024
22-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 144 days late
2023
31-12
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
State Gazette actNBB filing
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
30-07-2025 1 director appointed, 1 resigning Director changes
  • Hassan RACHIED, Bestuurder
  • Bassam RASHID, Bestuurder
Technical details 
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  "notary": {
    "name": null,
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  },
  "act_meta": {
    "language": "mixed",
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  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
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  "is_correction": false,
  "subject_company": {
    "kbo": "0783.736.541",
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  "co_filed_documents": [],
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}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Retail trade47519Retail sale of clothing and accessories for women, men, children and babies (general range)47716Agents in the wholesale of textiles, clothing, fur, footwear and leather goods46160Wholesale of clothing, excluding workwear and underwear46423Wholesale trade46425Retail trade47722Retail sale of second-hand clothing47792
Names & trade names
Legal nameFR JANA GROUP
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative