Esther Jacobs
ActiveSummary
Esther Jacobs has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €14,271 and a net result of -€6,614. Equity is shrinking by ~21.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
What stands out
Overview
0 of 1 deed readAccounts 37 d earlyTurnover not published (abridged schema)
Why 41- Limited track record- Annual accounts: weaker financial profile+ Lower-failure-rate sectorLatest accounts filed on timeShow the evidence
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency70▼-9
Growth32=
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.98 against 2.19 in 2023; short-term debt: 48.8% and cash: 0% of total assets), but 54.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
45.2%
Return on assets
-21%
Age of the figures
21 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 24-06-2026, 37 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
37 d early
2024
22 d early
2023
37 d early
2022
42 d early
2021
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed 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 25 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2024Total assets €31,556Loss -€6,614Solvency 45.2%Liquidity 1.98
Total assets
€31,556▼ 17.9%
2021 - 2024
Net result
-€6,614▲ 53.4%
2021 - 2024
Equity
€14,271▼ 31.7%
2021 - 2024
Solvency
45.2%▼ 9.1pp
2021 - 2024
Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€25,952-€18,792▼ 27.6%-€14,118-€6,165▲ 56.3%
Net result€19,848within the sector's middle half-€12,721within the sector's middle half▼ 35.9%-€14,183below the sector's middle half-€6,614below the sector's middle half▲ 53.4%
Equity€22,348within the sector's middle half-€35,068within the sector's middle half▲ 56.9%€20,885within the sector's middle half▼ 40.4%€14,271within the sector's middle half▼ 31.7%
Total assets€38,516below the sector's middle half-€54,187below the sector's middle half▲ 40.7%€38,458below the sector's middle half▼ 29.0%€31,556below the sector's middle half▼ 17.9%
Debt€16,169-€19,118▲ 18.2%€17,573▼ 8.1%€17,284▼ 1.6%
Working capital€15,827within the sector's middle half-€30,445within the sector's middle half▲ 92.4%€18,963within the sector's middle half▼ 37.7%€15,097within the sector's middle half▼ 20.4%
Solvency58.0%within the sector's middle half-64.7%within the sector's middle half▲ 6.7pp54.3%within the sector's middle half▼ 10.4pp45.2%within the sector's middle half▼ 9.1pp
Current ratio2.30within the sector's middle half-2.70within the sector's middle half▲ 0.402.19within the sector's middle half▼ 0.511.98within the sector's middle half▼ 0.21
Return on assets (ROA)51.5%above the sector's middle half-23.5%within the sector's middle half▼ 28.1pp-36.9%below the sector's middle half▼ 60.4pp-21.0%below the sector's middle half▲ 15.9pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,165 in 2024 against €14,118 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €31,556
Fixed assets
€1,055 ▼ 70.8%
Current assets
€30,500 ▼ 12.5%
Equity and liabilities €31,556
Equity
€14,271 ▼ 31.7%
Debt
€17,284 ▼ 1.6%
Debt's share of the balance-sheet total rises from 45.7% to 54.8%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
-€3,100▲
2023 · -€9,551
Cash flow
-€3,549▲
2023 · -€9,616
Debt to equity
1.21▲
2023 · 0.84
ROE
-46.3%▲
2023 · -67.9%
Interest coverage
-4.58▲
2023 · -23.84
Debt ≤ 1 year
€15,403▼
2023 · €15,883
Income taxes
€140▲
2023 · €123
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
9.5%
stopped otherwise
87%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,341 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 3,592 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,281 | €4,721 | €4,567 | €3,065 | ▼ 32.9% |
| Other operating charges640/8 | €1,491 | €1,154 | €869 | €1,051 | ▲ 20.9% |
| Non-recurring operating charges66A | €250 | - | - | - | - |
| Gross operating margin9900 | €30,973 | €24,667 | -€8,682 | -€2,049 | ▲ 76.4% |
| Operating profit (loss)9901 | €25,952 | €18,792 | -€14,118 | -€6,165 | ▲ 56.3% |
| Financial income75/76B | €9 | €108 | €459 | €367 | ▼ 19.9% |
| Recurring financial income75 | €9 | €108 | €459 | €367 | ▼ 19.9% |
| Financial charges65/66B | €250 | €151 | €401 | €677 | ▲ 69.0% |
| Recurring financial charges65 | €250 | €151 | €401 | €677 | ▲ 69.0% |
| Profit (loss) for the period before taxes9903 | €25,711 | €18,749 | -€14,060 | -€6,475 | ▲ 54.0% |
| Income taxes67/77 | €5,863 | €6,028 | €123 | €140 | ▲ 13.2% |
| Profit (loss) for the period9904 | €19,848 | €12,721 | -€14,183 | -€6,614 | ▲ 53.4% |
| Profit (loss) for the period to be appropriated9905 | €19,848 | €12,721 | -€14,183 | -€6,614 | ▲ 53.4% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €38,516 | €54,187 | €38,458 | €31,556 | ▼ 17.9% |
| Formation expenses20 | €752 | - | - | - | - |
| Fixed assets21/28 | €9,799 | €5,830 | €3,613 | €1,055 | ▼ 70.8% |
| Tangible fixed assets22/27 | €9,799 | €5,830 | €3,613 | €1,055 | ▼ 70.8% |
| Plant, machinery and equipment23 | €845 | €551 | €867 | €159 | ▼ 81.7% |
| Furniture and vehicles24 | - | - | €1,144 | €897 | ▼ 21.6% |
| Leasing and similar rights25 | €8,954 | €5,278 | €1,602 | €0 | ▼ 100% |
| Current assets29/58 | €27,965 | €48,357 | €34,846 | €30,500 | ▼ 12.5% |
| Amounts receivable after more than one year29 | - | €14,885 | €13,350 | €11,774 | ▼ 11.8% |
| Trade receivables290 | - | €14,885 | €13,350 | €11,774 | ▼ 11.8% |
| Amounts receivable within one year40/41 | €16,550 | €23,334 | €15,927 | €18,090 | ▲ 13.6% |
| Trade receivables40 | €16,550 | €21,706 | €13,763 | €16,514 | ▲ 20.0% |
| Other amounts receivable41 | - | €1,628 | €2,164 | €1,576 | ▼ 27.2% |
| Cash at bank and in hand54/58 | €10,742 | €9,724 | €4,122 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | €673 | €414 | €1,446 | €637 | ▼ 56.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €38,516 | €54,187 | €38,458 | €31,556 | ▼ 17.9% |
| Equity10/15 | €22,348 | €35,068 | €20,885 | €14,271 | ▼ 31.7% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €19,848 | €32,568 | €18,385 | €11,771 | ▼ 36.0% |
| Amounts payable17/49 | €16,169 | €19,118 | €17,573 | €17,284 | ▼ 1.6% |
| Amounts payable after more than one year17 | €3,853 | €1,142 | €0 | - | - |
| Financial debts170/4 | €3,853 | €1,142 | €0 | - | - |
| Amounts payable within one year42/48 | €12,138 | €17,912 | €15,883 | €15,403 | ▼ 3.0% |
| Current portion of amounts payable after more than one year42 | €2,668 | €2,711 | €1,142 | €0 | ▼ 100% |
| Financial debts43 | - | - | - | €2,965 | - |
| Credit institutions430/8 | - | - | - | €2,965 | - |
| Trade debts44 | €1,531 | €1,182 | €2,301 | €3,454 | ▲ 50.1% |
| Suppliers440/4 | €1,531 | €1,182 | €2,301 | €3,454 | ▲ 50.1% |
| Taxes, remuneration and social security45 | €7,814 | €7,396 | €9,617 | €3,719 | ▼ 61.3% |
| Taxes450/3 | €7,814 | €7,396 | €9,617 | €3,719 | ▼ 61.3% |
| Other amounts payable47/48 | €126 | €6,623 | €2,822 | €5,265 | ▲ 86.6% |
| Accrued charges and deferred income492/3 | €177 | €64 | €1,690 | €1,881 | ▲ 11.3% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,848 | €12,721 | -€14,183 | -€6,614 | ▲ 53.4% |
| + Depreciation and write-downs630 | €3,281 | €4,721 | €4,567 | €3,065 | ▼ 32.9% |
| Operating cash flow (approximation) | €23,128 | €17,442 | -€9,616 | -€3,549 | ▲ 63.1% |
| Investment in fixed assets (approximation) | - | -€752 | -€2,350 | -€508 | ▲ 78.4% |
| Change in cash | - | -€1,018 | -€5,602 | -€4,122 | ▲ 26.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
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DVOTION
BE 0758.797.940
Alken · Eq €14,303
VK TECHNICS
BE 0801.585.630
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JYR GROUPE
BE 0692.955.033
Juprelle · Eq €14,318
Of 24,494 companies in this sector we hold annual accounts for 9,420. 5,202 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
6 eventsLatest 24-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€14,183
Net result drops to -€14,183, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 03-05-2021Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded03-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0767745397
Also
9925:BE0767745397
Registered
09-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2021
Ground area
345 m²
Building footprint
288 m²
Volume, LiDAR
2,871 m³
Parcel 11312A0908/00G002, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Esther Jacobs
since 2021unit no. 2.316.665.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11312A0908/00G002 | Flanders | 345 m² | 1 · 288 m² | 13.6 m · 4 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.
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