JTY&Co
ActiveSummary
JTY&Co has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €40k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 94% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+83
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 21.73 against 73.38 in 2024; short-term debt: 4.4% and cash: 40.9% of total assets), and 4.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95.6%
Return on assets
13.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
42 d early
2023
6 d early
2022
32 d early
2021
17 d early
2020
36 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€292k▲ 16.0%
2024 · €251k
2018: €295k
2019: €308k
2020: €310k
2021: €311k
2022: €320k
2023: €285k
2024: €251k
2018 → 2025
Total assets
€305k▲ 20.0%
2024 · €254k
2018: €315k
2019: €332k
2020: €340k
2021: €320k
2022: €332k
2023: €297k
2024: €254k
2018 → 2025
Net result
€40k
2024 · €-33k
2018: €27k
2019: €14k
2020: €2k
2021: €464
2022: €9k
2023: €-35k
2024: €-33k
2018 → 2025
Working capital
€281k▲ 26.4%
2024 · €223k
2018: €174k
2019: €206k
2020: €270k
2021: €230k
2022: €152k
2023: €131k
2024: €223k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€311k-€320k▲ 2.9%€285k▼ 11.0%€251k▼ 11.7%€292k▲ 16.0%
Operating result€-134-€15k€-36k€-34k▲ 6.5%€46k
Net result€464-€9k▲ 1,847%€-35k€-33k▲ 5.3%€40k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €46k after a loss of €34k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€10k ▼ 64.3%
Current assets
€295k ▲ 30.7%
Equity and liabilities €305k
Equity
€292k ▲ 16.0%
Debt
€14k ▲ 341%
Debt's share of the balance-sheet total rises from 1.2% to 4.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €-11k
Cash flow
€64k▲
2024 · €-10k
Current ratio
21.73▼
2024 · 73.38
Debt to equity
0.05▲
2024 · 0.01
ROE
13.8%▲
2024 · -13.2%
ROA
13.2%▲
2024 · -13.1%
Interest coverage
46.29▲
2024 · -6.31
Debt ≤ 1 year
€14k▲
2024 · €3k
Income taxes
€5k▲
2024 · €-922
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€254k€305k▲
Fixed assets21/28€29k€10k▼
Tangible fixed assets22/27€29k€10k▼
Furniture and vehicles24€28k€9k▼
Other tangible fixed assets26€352€881▲
Financial fixed assets28€58€58=
Current assets29/58€226k€295k▲
Amounts receivable within one year40/41€6k€4k▼
Trade receivables40€6k€1k▼
Other amounts receivable41€150€3k▲
Current investments50/53€163k€163k=
Cash at bank and in hand54/58€57k€125k▲
Deferred charges and accrued income490/1€165€3k▲
Equity and liabilities
Total equity and liabilities10/49€254k€305k▲
Equity10/15€251k€292k▲
Contributions10/11€6k€6k=
Reserves13€2k€42k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€40k
Profit (loss) carried forward14€243k€243k=
Amounts payable17/49€3k€14k▲
Amounts payable within one year42/48€3k€14k▲
Trade debts44€804€5k▲
Suppliers440/4€804€5k▲
Taxes, remuneration and social security45€724€9k▲
Taxes450/3€724€9k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€4k€400▼
Gross operating margin9900€-7k€70k▲
Operating profit (loss)9901€-34k€46k▲
Financial income75/76B€1k€361▼
Recurring financial income75€1k€361▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-34k€45k▲
Income taxes67/77€-922€5k▲
Profit (loss) for the period9904€-33k€40k▲
Profit (loss) for the period to be appropriated9905€-33k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€243k€283k▲
Profit (loss) brought forward from the previous period14P€276k€243k▼
Transfer to equity691/2-€40k
To other reserves6921-€40k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 73.38
Current ratio from 11.33 to 73.38; short-term debt falls from €13k to €3k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-35k ▼489%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 25.29
Current ratio from 10.15 to 25.29; short-term debt falls from €29k to €9k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waterloo · 1 establishment unit since 1997
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 Roussart 941410 WaterlooGround area
436 m²
Building footprint
98 m²
Volume, LiDAR
710 m³
Parcel 25764N0056/00_000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZEPHIR STUDIO - SI BIEN
since 19972.081.968.606
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0056/00_000 | Wallonia | 436 m² | 1 · 98 m² | 9.7 m · 2 fl. |
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 9,860 companies in sector 73110 we hold annual accounts for 3,753. 2,588 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-1997
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:alainjeanty66@gmail.com