FAÇON JACMIN
ActiveThe annual accounts of FAÇON JACMIN for fiscal year 2025 show a net loss of 72% of the equity at the start of that year. The 2025 annual accounts show equity of €46k and a net result of €-119k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 1973 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency36▼-17
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k 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 ample (current ratio 3.41 against 2.99 in 2024; short-term debt: 28.7% and cash: 22.4% of total assets), but 89.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Sector 90
lower
← 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 2025Solvency, return and age of the figures
Solvency
10.5%
Return on assets
-27.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-119k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1973 sector peers (2025).
NBB · sector comparisonPosition among 1973 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 filingsDeviation from the deadline
2025
19 d late
2024
18 d late
2023
33 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
56 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 72.1%
2024 · €166k
2018: €58k
2019: €4k
2020: €22k
2021: €-151k
2022: €-37k
2023: €326k
2024: €166k
2018 → 2025
Total assets
€441k▼ 24.7%
2024 · €585k
2018: €110k
2019: €100k
2020: €282k
2021: €183k
2022: €290k
2023: €787k
2024: €585k
2018 → 2025
Net result
€-119k▲ 25.8%
2024 · €-161k
2018: €-77k
2019: €-54k
2020: €-95k
2021: €-173k
2022: €-131k
2023: €-37k
2024: €-161k
2018 → 2025
Working capital
€305k▼ 20.1%
2024 · €381k
2018: €30k
2019: €-19k
2020: €117k
2021: €-54k
2022: €-50k
2023: €315k
2024: €381k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-151k-€-37k▲ 75.6%€326k€166k▼ 49.3%€46k▼ 72.1%
Operating result€-169k-€-124k▲ 26.4%€-28k▲ 77.8%€-139k▼ 402%€-112k▲ 19.5%
Net result€-173k-€-131k▲ 24.3%€-37k▲ 71.8%€-161k▼ 335%€-119k▲ 25.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €112k in 2025 against €139k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€9k▼ 23.3%
Current assets
€431k▼ 24.7%
Equity and liabilities €441k
Equity
€46k▼ 72.1%
Debt
€394k▼ 6.0%
The debt ratio rises from 71.7% to 89.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-109k▲
2024 · €-136k
Cash flow
€-116k▲
2024 · €-158k
Solvency
10.5%▼
2024 · 28.3%
Current ratio
3.41▲
2024 · 2.99
Quick ratio
1.73▼
2024 · 1.82
Debt / equity
8.52▲
2024 · 2.53
ROE
-257.8%▼
2024 · -97.1%
ROA
-27.1%▲
2024 · -27.5%
Interest coverage
-14.43▼
2024 · -5.89
Debt
€394k▼
2024 · €419k
Debt ≤ 1 year
€127k▼
2024 · €192k
Debt > 1 year
€261k▲
2024 · €213k
Income taxes
€1▲
2024 · €0
Staff costs
€168k▲
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€585k€441k▼
Fixed assets21/28€12k€9k▼
Intangible fixed assets21€688€172▼
Tangible fixed assets22/27€8k€6k▼
Land and buildings22€5k€3k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€4k€4k=
Current assets29/58€573k€431k▼
Stocks and contracts in progress3€223k€212k▼
Stocks30/36€223k€212k▼
Amounts receivable within one year40/41€165k€121k▼
Trade receivables40€160k€120k▼
Other amounts receivable41€5k€805▼
Cash at bank and in hand54/58€178k€99k▼
Deferred charges and accrued income490/1€6k€0▼
Equity and liabilities
Total equity and liabilities10/49€585k€441k▼
Equity10/15€166k€46k▼
Contributions10/11€961k€166k▼
Profit (loss) carried forward14€-795k€-119k▲
Amounts payable17/49€419k€394k▼
Amounts payable after more than one year17€213k€261k▲
Financial debts170/4€213k€261k▲
Amounts payable within one year42/48€192k€127k▼
Current portion of amounts payable after more than one year42-€4k
Financial debts43€0€46k▲
Credit institutions430/8€0€46k▲
Trade debts44€115k€9k▼
Suppliers440/4€115k€9k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€30k€23k▼
Taxes450/3€15k€2k▼
Remuneration and social security454/9€15k€21k▲
Other amounts payable47/48€46k€44k▼
Accrued charges and deferred income492/3€15k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€127k€168k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€9k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-673€60k▲
Operating profit (loss)9901€-139k€-112k▲
Financial income75/76B€1k€72▼
Recurring financial income75€1k€72▼
Financial charges65/66B€23k€8k▼
Recurring financial charges65€23k€8k▼
Profit (loss) for the period before taxes9903€-161k€-119k▲
Income taxes67/77€0€1▲
Profit (loss) for the period9904€-161k€-119k▲
Profit (loss) for the period to be appropriated9905€-161k€-119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-795k€-914k▼
Profit (loss) brought forward from the previous period14P€-634k€-795k▼
Transfer from equity791/2-€795k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Equity above €200kEq €326k
Equity rises from €-37k to €326k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-173k
Net result drops to €-173k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.80
Current ratio from 0.80 to 1.80.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Tournai · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de la Grande Couture(MAR) 27522 TournaiGround area
9,717 m²
Building footprint
2,409 m²
Volume, LiDAR
15,241 m³
2 parcels, Flanders, Wallonia · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FAÇON JACMIN
since 20182.282.090.987
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57050A0188/00R002 | Wallonia | 9,671 m² | 1 · 2,321 m² | 7.5 m · 2 fl. |
| 11804D0840/00A000 | Flanders | 47 m² | 1 · 88 m² | 14.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Wallonia-Brussels Federation
2024 to 2025 · 2 entries · 10,000 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 1 | 5,000 EUR |
| 2024 | 1 | 5,000 EUR |
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Of 6,657 companies in sector 90111 we hold annual accounts for 382. 306 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2015
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
90031Arts creation and performing arts activities
90111Literary creation
46411Wholesale trade
46419Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.