Summary
BERT JACOBS is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €182,042 and a net result of €163,442. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 44% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-06-2016 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.253.615.252 3660 Oudsbergen, since 09-06-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 27-06-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €163,442
- ▲ 18.8%
- Equity
- €182,042
- ▲ 223%
- Total assets
- €413,014
- ▼ 44.1%
- 2025 accounts filed 12 days after the deadline
Signalsraises risk2025 accounts filed 12 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 12 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
12 days late
2024
44 days early
2023
1 day late
2022
22 days late
2021
26 days late
2020
13 days late
2019
63 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 12 days after the deadline Filed on 12 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00394779.
Annual accounts 2025 filed on 12-08-2026 at the NBB all 10 filings
Equity
€182,042▲ 223%
2024 · €56,341
Net result
€163,442▲ 18.8%
2024 · €137,596
Total assets
€413,014▼ 44.1%
2024 · €738,594
Solvency
44.1%▲ 36.4pp
2024 · 7.6%
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€214,667
▲ 17.1%
2025
20182025
Net result
€163,442
▲ 18.8%
2025
highest quarter of the sector
20182025
Equity
€182,042
▲ 223%
2025
middle half of the sector
20182025
Total assets
€413,014
▼ 44.1%
2025
middle half of the sector
20182025
Debt
€230,972
▼ 66.1%
2025
20182025
Working capital
-€81,033
▲ 60.2%
2025
lowest quarter of the sector
20182025
Solvency
44.1%
▲ 36.4pp
2025
middle half of the sector
20182025
Current ratio
0.20
▼ 0.42
2025
lowest quarter of the sector
20182025
Return on assets (ROA)
39.6%
▲ 20.9pp
2025
highest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€140,938-€126,731▼ 10.1%€144,574▲ 14.1%€155,180▲ 7.3%€128,538▼ 17.2%€198,155▲ 54.2%€183,318▼ 7.5%€214,667▲ 17.1%
Net result€107,175-€97,349▼ 9.2%€111,594within the sector's middle half▲ 14.6%€119,783above the sector's middle half▲ 7.3%€98,838above the sector's middle half▼ 17.5%€149,448above the sector's middle half▲ 51.2%€137,596above the sector's middle half▼ 7.9%€163,442above the sector's middle half▲ 18.8%
Equity€154,334-€251,683▲ 63.1%€369,477within the sector's middle half▲ 46.8%€140,243within the sector's middle half▼ 62.0%€119,298within the sector's middle half▼ 14.9%€268,746within the sector's middle half▲ 125%€56,341within the sector's middle half▼ 79.0%€182,042within the sector's middle half▲ 223%
Total assets€349,855-€403,602▲ 15.4%€499,332below the sector's middle half▲ 23.7%€245,877within the sector's middle half▼ 50.8%€469,355within the sector's middle half▲ 90.9%€610,745within the sector's middle half▲ 30.1%€738,594within the sector's middle half▲ 20.9%€413,014within the sector's middle half▼ 44.1%
Debt€195,521-€151,920▼ 22.3%€129,855▼ 14.5%€105,634▼ 18.7%€350,057▲ 231%€341,999▼ 2.3%€682,253▲ 99.5%€230,972▼ 66.1%
Working capital€178,158-€241,273▲ 35.4%€359,681above the sector's middle half▲ 49.1%€132,546within the sector's middle half▼ 63.1%-€132,620below the sector's middle half€9,721within the sector's middle half-€203,436below the sector's middle half-€81,033below the sector's middle half▲ 60.2%
Solvency44.1%-62.4%▲ 18.2pp74.0%within the sector's middle half▲ 11.6pp57.0%within the sector's middle half▼ 17.0pp25.4%within the sector's middle half▼ 31.6pp44.0%within the sector's middle half▲ 18.6pp7.6%below the sector's middle half▼ 36.4pp44.1%within the sector's middle half▲ 36.4pp
Current ratio4.31-6.67▲ 2.3614.27above the sector's middle half▲ 7.6014.00above the sector's middle half▼ 0.270.23below the sector's middle half▼ 13.771.05within the sector's middle half▲ 0.830.62below the sector's middle half▼ 0.430.20below the sector's middle half▼ 0.42
Return on assets (ROA)30.6%-24.1%▼ 6.5pp22.3%above the sector's middle half▼ 1.8pp48.7%above the sector's middle half▲ 26.4pp21.1%within the sector's middle half▼ 27.7pp24.5%within the sector's middle half▲ 3.4pp18.6%within the sector's middle half▼ 5.8pp39.6%above the sector's middle half▲ 20.9pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 17% higher than in 2024 and the highest since 2021. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €413,014
Fixed assets
€392,682 ▼ 3.4%
Current assets
€20,332 ▼ 93.9%
Equity and liabilities €413,014
Equity
€182,042 ▲ 223%
Debt
€230,972 ▼ 66.1%
Debt's share of the balance-sheet total falls from 92.4% to 55.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
89.8%▼
2024 · 244.2%
Debt ≤ 1 year
€101,365▼
2024 · €535,514
Debt > 1 year
€127,537▼
2024 · €144,092
Income taxes
€48,339▲
2024 · €41,791
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €337,564 | €8,470 | €3,181 | €3,600 |
| Depreciation and write-downs of the year | €9,410 | €10,596 | €17,295 | €17,158 | €17,435 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,922 | €10,125 | €10,531 | €9,410 | €10,596 | €17,295 | €17,158 | €17,435 | ▲ 1.6% |
| Other operating charges640/8 | - | - | - | €1,318 | €40,837 | €2,790 | €9,112 | €2,760 | ▼ 69.7% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €784 | €0 | ▼ 100% |
| Gross operating margin9900 | €153,295 | €139,994 | €156,980 | €165,908 | €179,970 | €218,240 | €210,372 | €234,862 | ▲ 11.6% |
| Operating profit (loss)9901 | €140,938 | €126,731 | €144,574 | €155,180 | €128,538 | €198,155 | €183,318 | €214,667 | ▲ 17.1% |
| Financial income75/76B | - | - | - | - | €390 | €0 | €0 | €99 | - |
| Recurring financial income75 | - | - | €296 | - | €390 | €0 | €0 | €99 | - |
| Financial charges65/66B | - | - | - | €916 | €2,091 | €3,580 | €3,931 | €2,985 | ▼ 24.1% |
| Recurring financial charges65 | €1,256 | €1,191 | €1,401 | €916 | €2,091 | €3,580 | €3,931 | €2,985 | ▼ 24.1% |
| Profit (loss) for the period before taxes9903 | €139,682 | €125,540 | €143,469 | €154,265 | €126,837 | €194,575 | €179,387 | €211,781 | ▲ 18.1% |
| Income taxes67/77 | €32,506 | €28,191 | €31,875 | €34,481 | €27,999 | €45,127 | €41,791 | €48,339 | ▲ 15.7% |
| Profit (loss) for the period9904 | €107,175 | €97,349 | €111,594 | €119,783 | €98,838 | €149,448 | €137,596 | €163,442 | ▲ 18.8% |
| Profit (loss) for the period to be appropriated9905 | €107,175 | €97,349 | €111,594 | €119,783 | €98,838 | €149,448 | €137,596 | €163,442 | ▲ 18.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €349,855 | €403,602 | €499,332 | €245,877 | €469,355 | €610,745 | €738,594 | €413,014 | ▼ 44.1% |
| Fixed assets21/28 | €117,889 | €119,794 | €112,545 | €103,135 | €430,104 | €421,278 | €406,517 | €392,682 | ▼ 3.4% |
| Tangible fixed assets22/27 | €117,889 | €119,794 | €112,545 | €103,135 | €430,104 | €421,278 | €406,517 | €392,682 | ▼ 3.4% |
| Land and buildings22 | - | - | - | €92,582 | €417,447 | €410,646 | €396,058 | €384,988 | ▼ 2.8% |
| Plant, machinery and equipment23 | - | - | - | €9,549 | €10,918 | €9,646 | €9,924 | €7,477 | ▼ 24.7% |
| Furniture and vehicles24 | - | - | - | €1,004 | €1,739 | €987 | €534 | €216 | ▼ 59.5% |
| Current assets29/58 | €231,965 | €283,809 | €386,787 | €142,742 | €39,251 | €189,467 | €332,078 | €20,332 | ▼ 93.9% |
| Amounts receivable within one year40/41 | €145,674 | €141,890 | €38,399 | €10,614 | €27,149 | €22,891 | €14,104 | €16,122 | ▲ 14.3% |
| Trade receivables40 | - | - | - | €9,000 | €9,000 | €10,890 | €10,890 | €11,028 | ▲ 1.3% |
| Other amounts receivable41 | - | - | - | €1,614 | €18,149 | €12,001 | €3,214 | €5,094 | ▲ 58.5% |
| Cash at bank and in hand54/58 | €86,291 | €141,918 | €346,115 | €129,865 | €11,324 | €165,637 | €315,866 | €3,214 | ▼ 99.0% |
| Deferred charges and accrued income490/1 | - | - | - | €2,263 | €778 | €938 | €2,108 | €996 | ▼ 52.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €349,855 | €403,602 | €499,332 | €245,877 | €469,355 | €610,745 | €738,594 | €413,014 | ▼ 44.1% |
| Equity10/15 | €154,334 | €251,683 | €369,477 | €140,243 | €119,298 | €268,746 | €56,341 | €182,042 | ▲ 223% |
| Contributions10/11 | €12,400 | €12,400 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €141,934 | €239,283 | €350,877 | €121,643 | €100,698 | €250,146 | €37,741 | €163,442 | ▲ 333% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €119,783 | €98,838 | €250,146 | €37,741 | €163,442 | ▲ 333% |
| Profit (loss) carried forward14 | - | - | - | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €195,521 | €151,920 | €129,855 | €105,634 | €350,057 | €341,999 | €682,253 | €230,972 | ▼ 66.1% |
| Amounts payable after more than one year17 | €118,838 | €109,363 | €101,138 | €94,163 | €176,322 | €160,353 | €144,092 | €127,537 | ▼ 11.5% |
| Financial debts170/4 | - | - | - | €94,163 | €176,322 | €160,353 | €144,092 | €127,537 | ▼ 11.5% |
| Amounts payable within one year42/48 | €53,807 | €42,535 | €27,106 | €10,195 | €171,871 | €179,746 | €535,514 | €101,365 | ▼ 81.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,975 | €15,700 | €15,968 | €16,261 | €16,555 | ▲ 1.8% |
| Trade debts44 | €593 | €463 | €659 | €1,507 | €2,453 | €2,324 | €8,773 | €2,303 | ▼ 73.7% |
| Suppliers440/4 | - | - | - | €1,507 | €2,453 | €2,324 | €8,773 | €2,303 | ▼ 73.7% |
| Taxes, remuneration and social security45 | - | - | - | - | €2,039 | €8,072 | €55,124 | €3,325 | ▼ 94.0% |
| Taxes450/3 | - | - | - | - | €2,039 | €8,072 | €55,124 | €3,325 | ▼ 94.0% |
| Other amounts payable47/48 | - | - | - | €1,713 | €151,680 | €153,381 | €455,356 | €79,182 | ▼ 82.6% |
| Accrued charges and deferred income492/3 | - | - | - | €1,276 | €1,864 | €1,900 | €2,647 | €2,070 | ▼ 21.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107,175 | €97,349 | €111,594 | €119,783 | €98,838 | €149,448 | €137,596 | €163,442 | ▲ 18.8% |
| + Depreciation and write-downs630 | €8,922 | €10,125 | €10,531 | €9,410 | €10,596 | €17,295 | €17,158 | €17,435 | ▲ 1.6% |
| Operating cash flow (approximation) | €116,097 | €107,474 | €122,126 | €129,193 | €109,434 | €166,743 | €154,754 | €180,877 | ▲ 16.9% |
| Investment in fixed assets (approximation) | - | -€12,029 | -€3,283 | €0 | -€337,564 | -€8,470 | -€2,396 | -€3,600 | ▼ 50.2% |
| Change in cash | - | €55,627 | €204,196 | -€216,250 | -€118,541 | €154,314 | €150,228 | -€312,652 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 12-08-2026 | 2026-00394779 | |
| 31-12-2024 | micro format | 17-06-2025 | 2025-00147223 | |
| 31-12-2023 | micro format | 01-08-2024 | 2024-00325145 | |
| 31-12-2022 | micro format | 22-08-2023 | 2023-00349037 | |
| 31-12-2021 | micro format | 26-08-2022 | 2022-20323918 | |
| 31-12-2020 | abbreviated format | 13-08-2021 | 2021-48800583 | |
| 31-12-2019 | abbreviated format | 02-10-2020 | 2020-59900235 | |
| 31-12-2018 | abbreviated format | 26-07-2019 | 2019-39400484 | |
| 31-12-2017 | abbreviated format | 23-08-2018 | 2018-50000389 | |
| 31-12-2016 | abbreviated format | 22-08-2017 | 2017-46600470 |
Board & ownership
Directors
Directors
1 director, last change in 2023
JACOBS Bert Johan Eddy
Current
Director (not named in the articles) · appointed in the act of 08-03-2023 · earlier manager, until 08-03-2023 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 12-08-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 08-03-2023Owners and capital
Capital transactions
Capital over time
- 08-03-2023 Converted to unavailable equity
Mandate history
1 person, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| JACOBS Bert Johan Eddy |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen, al dan niet aandeelhouder, 1”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Recht algemene vergadering om vereffenaars aan te duiden, bevoegdheden te omlijnen en vergoeding te bepalen, mogelijk mits naleving…”
Articles of association, deed of 08-03-2023 (in Dutch)
Network & group
Companies at the same address
1 other companyConnections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
APOTHEEK MONNENS - JACOBS
via JACOBS Bert Johan Eddy · Director (not named in the articles)
→
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
12-08
micro format · 12 days late
2025
31-12
Financial
Highest result from 2018 to 2025net €163,442 ▲18.8%
The operating result of €214,667 and the net result of €163,442 are both a record.
31-12
Financial
Equity above €150,000equity €182,042 ▲223%
With a profit in every financial year since 2018, equity grows to €182,042.
17-06
micro format · 44 days before the deadline
2024
01-08
micro format · 1 day late
2023
31-12
Financial
Liquidity more than quadruplescurrent ratio 1.05
The current ratio rises from 0.23 to 1.05.
31-12
Financial
Equity above €200,000equity €268,746 ▲125%
With a profit in every financial year since 2018, equity grows to €268,746.
22-08
micro format · 22 days late
08-03
Gazette deed
Change of role: JACOBS Bert Johan Eddy, from manager to directorAmendment of the articles · Capital conversion · Reserve release11 points ▸
Gazette deed
Change of role: JACOBS Bert Johan Eddy, from manager to director
Amendment of the articles · Capital conversion · Reserve release11 points ▸
- General meeting, 02-03-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekeningen” (deed in Dutch)
- Reserve release, “vormen en meerderheden van statutenwijziging, opheffen” (deed in Dutch)
- Other provision, “tekst nieuwe statuten, tekst van nieuwe statuten luidt als volgt” (deed in Dutch)
- Capital
- Director resignation, JACOBS Bert Johan Eddy (manager)
- Director appointment, JACOBS Bert Johan Eddy (director (not named in the articles))
- Other provision, “beroepsverbod, geen beroepsverbod uitgesproken dat zich verzet” (deed in Dutch)
- Power of attorney
- Registered office clause, “Vlaamse Gewest, 3660 Oudsbergen, Weg naar Zwartberg 61” (deed in Dutch)
2022
26-08
micro format · 26 days late
2021
13-08
abbreviated format · 13 days late
2020
31-12
Financial
Liquidity more than doubledcurrent ratio 14.27
The current ratio rises from 6.67 to 14.27. Short-term debt falls from €42,535 to €27,106.
Show earlier events
02-10
abbreviated format · 63 days late
2019
31-12
Financial
Equity above €200,000equity €251,683 ▲63.1%
With a profit in every financial year since 2018, equity grows to €251,683.
26-07
abbreviated format · 5 days before the deadline
2018
23-08
abbreviated format · 23 days late
2017
22-08
abbreviated format · 22 days late
2016
13-06
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
BERT JACOBS in Dutch
Enterprise number
0656.536.679
Legal form
Private limited company
Status
Active, normale toestand
Founded
09-06-2016
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-03-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland bij enkel besluit…”
deed of 08-03-2023 (in Dutch)Registered office and establishments
Registered office
Weg naar Zwartberg 61, 3660 Oudsbergen, Belgium
Establishment unit
BERT JACOBS, Weg naar Zwartberg 61, 3660 Oudsbergen since 09-06-2016 · unit number 2.253.615.252
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 08-03-2023 (in Dutch)
“Beheer van apotheken; Management; Hert verlenen van advies in verband met beheer en management van ondernemingen; Beheer van patrimonium…”
8 activities
- Beheer van apotheken
- Management
- Hert verlenen van advies in verband met beheer en management van ondernemingen
- Beheer van patrimonium
- Het nemen van participaties in andere ondernemingen
- Het verwerven,beheren en verkopen van onroerende goederen of zakelijke rechten daarop,in België of in het buitenland
- Het huren,verhuren,in erfpacht of gebruik nemen van onroerende en/of roerende goederen en onroerende leasing
- Het aan-en verkopen,vormen en beheren van een onroerend en/of roerend patrimonium bestaande uit lichamelijke of onlichamelijke onroerende en/of roerende goederen
Invoicing and payment
VAT number
BE 0656.536.679
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Saturday of May at 20:00
deed of 08-03-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
753 m²
Building footprint
267 m²
Building volume
1,654 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71562B0564/00R000 | Flanders | 753 m² | 1 · 267 m² | 9.6 m · 2 |