Checked.be
Active
BE 0825.889.969Private limited company
Aqua di Jean
Helbeekplein 1 ·3500 Hasselt, Belgium· 16 yrs active
Sector: Retail trade
(47527)
Conclusion
Aqua di Jean has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100k and a net result of €7k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 26062 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €100k |
| Net result | €7k |
| Better than sector | 75% |
| Active | 16 yrs |
Financial profile
77
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
34
Solvency
99
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2010, 16 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 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
94
/ 100
Excellent
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.
Indicative credit limit
€9k
estimate, not credit advice
Score history
65
2020
100
2021
70
2022
73
2023
94
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.44 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.38 (≥ 1.0)
+5
Leverage
Debt/equity 0.60 (< 1.0)
+10
Profitability
ROE 7%
+3
Interest coverage
Interest coverage 42.0× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 24-07-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~4.3%/year over 5 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 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 62.3% | 32.3% | |
| Net result | €7k | €4k | |
| Equity | €100k | €39k | |
| Gross operating margin | €25k | €31k | |
| Total assets | €161k | €146k |
€23k
+1063.6%
20-24
€7k
-
20-24
€23k
+1507.8%
20-24
€161k
-8.0%
20-24
€100k
+7.4%
20-24
€86k
+10.4%
20-24
€7k
+1069.7%
20-24
€61k
-25.6%
20-24
€60k
-9.6%
20-24
€1k
-93.1%
20-24
2.44
+12.0%
20-24
1.38
+14.1%
20-24
62.3%
+16.7%
20-24
0.60
-30.7%
20-24
6.9%
-
20-24
4.3%
-
20-24
42.00
+1662.4%
20-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €23k | €2k | €4k | €51k | €37k |
| Net profit | €7k | €-15k | €-20k | €19k | €-23k |
| Cash flow | €23k | €1k | €3k | €42k | €-2k |
| Staff costs | - | - | - | - | - |
| Income taxes | - | - | - | €7k | €567 |
| Dividends | - | - | - | - | - |
| Total assets | €161k | €175k | €184k | €239k | €205k |
| Equity | €100k | €93k | €108k | €128k | €109k |
| Debt | €61k | €82k | €76k | €111k | €96k |
| of which ≤ 1y | €60k | €66k | €46k | €64k | €62k |
| of which > 1y | €1k | €16k | €30k | €47k | €34k |
| Working capital | €86k | €78k | €90k | €105k | €92k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Current ratio | 2.44 | 2.18 | 2.96 | 2.65 | 2.50 |
| Quick ratio | 1.38 | 1.21 | 1.69 | 1.73 | 2.00 |
| Working capital ratio | 53.2% | 44.3% | 49.1% | 43.7% | 45.0% |
| Solvency | 62.3% | 53.4% | 58.7% | 53.6% | 53.3% |
| Debt / equity | 0.60 | 0.87 | 0.70 | 0.86 | 0.31 |
| Long-term debt ratio | 0.01 | 0.17 | 0.28 | 0.37 | 0.31 |
| Interest coverage | 42.00 | 2.38 | 3.41 | 26.48 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 4.3% | -8.5% | -10.9% | 7.9% | -11.0% |
| ROE | 6.9% | -15.8% | -18.6% | 14.8% | -20.6% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €161k | €175k | €184k | €239k | €205k |
| Fixed assets | 21/28 | €16k | €31k | €48k | €71k | €51k |
| Tangible fixed assets | 22/27 | €16k | €31k | €48k | €71k | €51k |
| Current assets | 29/58 | €145k | €143k | €137k | €168k | €154k |
| Stocks & contracts in progress | 3 | €63k | €64k | €58k | €58k | €31k |
| Amounts receivable within one year | 40/41 | €68k | €67k | €66k | €58k | €34k |
| Cash & bank | 54/58 | €14k | €11k | €13k | €52k | €89k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €161k | €175k | €184k | €239k | €205k |
| Equity | 10/15 | €100k | €93k | €108k | €128k | €109k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €113k | €113k | €113k | €113k | €113k |
| Accumulated profits (losses) | 14 | €-32k | €-38k | €-24k | €-4k | €-23k |
| Amounts payable | 17/49 | €61k | €82k | €76k | €111k | €96k |
| Amounts payable after one year | 17 | €1k | €16k | €30k | €47k | €34k |
| Amounts payable within one year | 42/48 | €60k | €66k | €46k | €64k | €62k |
| Trade debts payable within one year | 44 | €22k | €23k | €7k | €21k | €30k |
| Income statement | ||||||
| Gross operating margin | 9900 | €25k | €4k | €5k | €52k | €39k |
| Operating result | 9901 | €7k | €-14k | €-19k | €28k | €17k |
| Financial income | 75 | €26 | €252 | €201 | €248 | €89 |
| Financial charges | 65 | €550 | €833 | €1k | €2k | €840 |
| Result before taxes | 9903 | €7k | €-15k | €-20k | €26k | €22k |
| Income taxes | 67/77 | - | - | - | €7k | €567 |
| Net result for the period | 9904 | €7k | €-15k | €-20k | €19k | €22k |
| Result to be appropriated | 9905 | €7k | €-15k | €-20k | €19k | €22k |
Legal Structure
| NACE primary | Retail trade(47527) |
| Legal form | Private limited company(610) |
| Incorporation | 13-05-2010 |
| Status | Active |
| Postal code | 3500 |
Establishment units
AQUA DI JEAN
since 20102.188.098.086
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0262/00A002 | Flanders | 4,889 m² | 1 · 958 m² | 25.4 m · 7 fl. |
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.
Updates
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €100k ▲7.4%
Equity rises from €93k to €100k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Retail trade47527Plumbing work43221Installation of electric heating, air conditioning, cooling and ventilation43222
Names & trade names
| Legal nameNL | Aqua di Jean |
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