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Erni JACOBS

Active
Private limited companyfounded 199828 yrs activeAmel,An de Bareer 13, 4770 Amel, BelgiumKBO/BCE: BE 0463.122.837
Summary

The computed 12-month bankruptcy probability of Erni JACOBS is 3.3% (moderate). The annual accounts of Erni JACOBS for fiscal year 2024 show a net loss of 51% of the equity at the start of that year. The 2024 annual accounts show equity of €63,709 and a net result of -€66,972. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 6544 sector peers (fiscal year 2024). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
Erni JACOBSActiveChecked score 48/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of flowers, plants, seeds and fertilisers
NACE 47761Wholesale of agricultural produce and animal feed, general range NACE 46216Air transport NACE 51210
1 site
Size
€728,223total assets 2024
Staff
0.1 FTE
Equity
€63,709
Loss
-€66,972
Financial health
48 Fair Checked score 2024
Bankruptcy chance 12 m
3.3%
Structure
Accounts 64 d overdue0 of 3 deeds read
Why 48- Figures for FY 2024 (filed 23-09-2025)- Equity €63,709 (8.7% of total assets)- Loss of €66,972 (FY 2024)+ Founded in 1998Show the evidence

Checked score

Score 2024
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 14% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 34-10
equity 8.7% of total assets
Liquidity 2-7
short-term debt 91.1% · cash 1.8%
Profitability 7-34
return on assets -9.2%
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%▼ -0.7% vs 12-2024 02-2025: 0.7%▼ -0.3% vs 01-2025lowest value 03-2025: 0.7%▲ +1.6% vs 02-2025 04-2025: 0.7%▼ -0.3% vs 03-2025 05-2025: 0.8%▲ +3.1% vs 04-2025 06-2025: 0.8%▲ +2.4% vs 05-2025 07-2025: 1.0%▲ +23.0% vs 06-2025 08-2025: 1.4%▲ +43.8% vs 07-2025 09-2025: 1.6%▲ +15.4% vs 08-2025 10-2025: 2.3%▲ +41.1% vs 09-2025 11-2025: 2.3%● 0.0% vs 10-2025 12-2025: 2.3%● 0.0% vs 11-2025 01-2026: 2.2%▼ -0.6% vs 12-2025 02-2026: 2.2%● 0.0% vs 01-2026 03-2026: 2.3%▲ +0.8% vs 02-2026 04-2026: 2.3%▼ -0.2% vs 03-2026 05-2026: 2.1%▼ -7.8% vs 04-2026 06-2026: 2.1%▲ +0.9% vs 05-2026 07-2026: 2.1%▲ +2.0% vs 06-2026 08-2026: 2.8%▲ +31.7% vs 07-2026 09-2026: 3.0%▲ +6.0% vs 08-2026 10-2026: 3.3%▲ +11.8% vs 09-2026highest value
  • Figures for FY 2024 (filed 23-09-2025) raises the probability
  • Founded in 1998 lowers the probability for this profile
  • Equity €63,709 (8.7% of total assets) raises the probability
  • Loss of €66,972 (FY 2024) raises the probability
Credit up to €3,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.07 against 1.2 in 2023; short-term debt: 91.1% and cash: 1.8% of total assets), and 91.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 25%, liquidity 4%, profitability 16%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 23-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1998
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €63,709 (8.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €66,972 (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 6544 sector peers (2024).
NBB · sector comparison
Position among 6544 sector peers
Solvency
better than 20%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
54 d late
2023
83 d late
2022
143 d late
2021
79 d late
2020
90 d late
2019
75 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 87 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Weakest financial yearnet -€66,972
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: From profit to loss in 2024after €16,873 in 2023 -€66,972 View
  • Caution: Among the weakest 12% on net resultsector median €31,849 · 6,545 companies -€66,972 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View

By topic

Financials

Fiscal year
2024
Total assets
€728,223
Loss
-€66,972
Solvency
8.7%
Total assets▲ 4.2%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 23-09-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 22-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of flowers, plants, seeds and fertilisersNACE 47761
Founded
14-04-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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