BV JACOBS GUY
ActiveSummary
BV JACOBS GUY has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €229,953 and a net result of €26,538. Equity remains stable across the filed fiscal years (±0.5% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+21
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 29.33 against 30.92 in 2024; short-term debt: 3.4% and cash: 42.1% of total assets), and 3.4% of the assets are financed with debt.
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Signals
Five 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
96.6%
Return on assets
11.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €229,953
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
14 d early
2022
20 d early
2021
18 d early
2020
61 d late
2019
73 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 7 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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. Usually files around 13 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€229,953▲ 13.0%
2024 · €203,414
Total assets
€238,012▲ 13.3%
2024 · €210,117
Net result
€26,538▲ 26.9%
2024 · €20,913
Working capital
€228,316▲ 13.8%
2024 · €200,585
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€22,934▲ 90.9%€20,331▼ 11.4%€32,504▲ 59.9%€29,113▼ 10.4%€32,963▲ 13.2%
Net result€15,644▲ 54.2%€13,434▼ 14.1%€21,459▲ 59.7%€20,913▼ 2.5%€26,538▲ 26.9%
Equity€256,475▲ 6.5%€161,043▼ 37.2%€182,502▲ 13.3%€203,414▲ 11.5%€229,953▲ 13.0%
Total assets€265,059▲ 8.9%€164,518▼ 37.9%€186,292▲ 13.2%€210,117▲ 12.8%€238,012▲ 13.3%
Debt€8,584▲ 230%€3,475▼ 59.5%€3,791▲ 9.1%€6,703▲ 76.8%€8,059▲ 20.2%
Working capital€250,354▲ 6.0%€156,974▼ 37.3%€180,485▲ 15.0%€200,585▲ 11.1%€228,316▲ 13.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238,012
Fixed assets
€1,637 ▼ 42.2%
Current assets
€236,375 ▲ 14.0%
Equity and liabilities €238,012
Equity
€229,953 ▲ 13.0%
Debt
€8,059 ▲ 20.2%
Debt's share of the balance-sheet total rises from 3.2% to 3.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34,156▲
2024 · €29,975
Cash flow
€27,731▲
2024 · €21,774
Current ratio
29.33▼
2024 · 30.92
Debt to equity
0.04▲
2024 · 0.03
ROE
11.5%▲
2024 · 10.3%
ROA
11.2%▲
2024 · 10.0%
Interest coverage
726.42▲
2024 · -366.62
Debt ≤ 1 year
€8,059▲
2024 · €6,703
Income taxes
€13,793▲
2024 · €10,391
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,751 | €2,052 | €2,052 | €862 | €1,193 | ▲ 38.4% |
| Other operating charges640/8 | €62 | €644 | €675 | €693 | €714 | ▲ 3.1% |
| Gross operating margin9900 | €24,747 | €23,027 | €35,230 | €30,667 | €34,870 | ▲ 13.7% |
| Operating profit (loss)9901 | €22,934 | €20,331 | €32,504 | €29,113 | €32,963 | ▲ 13.2% |
| Financial income75/76B | €1,871 | €4,289 | €1,148 | €2,109 | €7,415 | ▲ 252% |
| Recurring financial income75 | €1,871 | €4,289 | €1,148 | €2,109 | €7,415 | ▲ 252% |
| Financial charges65/66B | €666 | €2,757 | €765 | -€82 | €47 | ▲ 158% |
| Recurring financial charges65 | €666 | €2,757 | €765 | -€82 | €47 | ▲ 158% |
| Profit (loss) for the period before taxes9903 | €24,139 | €21,863 | €32,887 | €31,304 | €40,332 | ▲ 28.8% |
| Income taxes67/77 | €8,495 | €8,429 | €11,429 | €10,391 | €13,793 | ▲ 32.7% |
| Profit (loss) for the period9904 | €15,644 | €13,434 | €21,459 | €20,913 | €26,538 | ▲ 26.9% |
| Profit (loss) for the period to be appropriated9905 | €15,644 | €13,434 | €21,459 | €20,913 | €26,538 | ▲ 26.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €265,059 | €164,518 | €186,292 | €210,117 | €238,012 | ▲ 13.3% |
| Fixed assets21/28 | €6,120 | €4,069 | €2,017 | €2,829 | €1,637 | ▼ 42.2% |
| Tangible fixed assets22/27 | €6,120 | €4,069 | €2,017 | €2,829 | €1,637 | ▼ 42.2% |
| Land and buildings22 | €2,397 | €1,396 | €394 | €197 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €2,319 | €1,601 | €882 | €2,222 | €1,558 | ▼ 29.9% |
| Furniture and vehicles24 | €1,404 | €1,073 | €741 | €410 | €79 | ▼ 80.8% |
| Current assets29/58 | €258,938 | €160,450 | €184,275 | €207,288 | €236,375 | ▲ 14.0% |
| Amounts receivable within one year40/41 | €357 | €1,931 | €0 | - | €431 | - |
| Trade receivables40 | €357 | €74 | €0 | - | - | - |
| Other amounts receivable41 | - | €1,858 | €0 | - | €431 | - |
| Current investments50/53 | €113,860 | €152,624 | €175,663 | €201,017 | €135,385 | ▼ 32.6% |
| Cash at bank and in hand54/58 | €144,459 | €5,657 | €8,362 | €5,157 | €100,292 | ▲ 1,845% |
| Deferred charges and accrued income490/1 | €262 | €238 | €251 | €1,115 | €267 | ▼ 76.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €265,059 | €164,518 | €186,292 | €210,117 | €238,012 | ▲ 13.3% |
| Equity10/15 | €256,475 | €161,043 | €182,502 | €203,414 | €229,953 | ▲ 13.0% |
| Contributions10/11 | €127,458 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €129,017 | €142,451 | €163,910 | €184,822 | €211,361 | ▲ 14.4% |
| Non-distributable reserves130/1 | €12,746 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €12,746 | €0 | - | - | - | - |
| Distributable reserves133 | €116,271 | €142,451 | €163,910 | €184,822 | €211,361 | ▲ 14.4% |
| Amounts payable17/49 | €8,584 | €3,475 | €3,791 | €6,703 | €8,059 | ▲ 20.2% |
| Amounts payable within one year42/48 | €8,584 | €3,475 | €3,791 | €6,703 | €8,059 | ▲ 20.2% |
| Trade debts44 | €3,382 | €0 | €1,068 | €596 | €774 | ▲ 30.0% |
| Suppliers440/4 | €3,382 | €0 | €1,068 | €596 | €774 | ▲ 30.0% |
| Taxes, remuneration and social security45 | €4,222 | €2,495 | €189 | €2,259 | €2,259 | = |
| Taxes450/3 | €4,222 | €2,495 | €189 | €2,259 | €2,259 | = |
| Other amounts payable47/48 | €981 | €981 | €2,533 | €3,849 | €5,026 | ▲ 30.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,644 | €13,434 | €21,459 | €20,913 | €26,538 | ▲ 26.9% |
| + Depreciation and write-downs630 | €1,751 | €2,052 | €2,052 | €862 | €1,193 | ▲ 38.4% |
| Operating cash flow (approximation) | €17,395 | €15,486 | €23,510 | €21,774 | €27,731 | ▲ 27.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,674 | €0 | ▲ 100% |
| Change in cash | - | -€138,802 | €2,705 | -€3,205 | €95,135 | ▲ 3,068% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €26,538 ▲26.9%
Operating result €32,963, net result €26,538, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200,000Eq €203,414 ▲11.5%
6 profitable years in a row build equity to €203,414.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 73 days late
2019
31-12
Financial
Back to profitnet €12,090
Net result €12,090 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 66.35
Current ratio from 23.79 to 66.35; short-term debt falls from €9,512 to €3,439.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Dilsen-Stokkem · 1 establishment unit since 1993
Ground area
1,150 m²
Building footprint
268 m²
Volume, LiDAR
1,551 m³
Parcel 73043A0234/00F000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oude Baan 53, 3650 Dilsen-Stokkem
since 19932.302.492.067
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043A0234/00F000 | Flanders | 1,150 m² | 1 · 268 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded29-06-1993
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450531445
Also
9925:BE0450531445
Registered
30-09-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.