Garage Joeri Jacobs
ActiveGarage Joeri Jacobs has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €-2k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 1036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+66
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.09 against 60.43 in 2024; short-term debt: 7% and cash: 29.9% of total assets), and 7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
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
19202122232425
2019 to 2025 · latest year €-2k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
29 d early
2024
51 d early
2023
33 d early
2022
11 d early
2021
4 d early
2020
31 d early
2019
29 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€69k▼ 2.3%
2024 · €71k
2019: €27k
2020: €51k
2021: €56k
2022: €77k
2023: €94k
2024: €71k
2019 → 2025
Total assets
€74k▲ 4.2%
2024 · €71k
2019: €74k
2020: €107k
2021: €102k
2022: €122k
2023: €112k
2024: €71k
2019 → 2025
Net result
€-2k▲ 92.9%
2024 · €-23k
2019: €21k
2020: €24k
2021: €5k
2022: €22k
2023: €16k
2024: €-23k
2019 → 2025
Working capital
€42k▲ 22.9%
2024 · €34k
2019: €13k
2020: €17k
2021: €22k
2022: €32k
2023: €45k
2024: €34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€77k▲ 38.5%€94k▲ 21.2%€71k▼ 24.8%€69k▼ 2.3%
Operating result€8k-€29k▲ 274%€23k▼ 21.4%€-23k€-3k▲ 87.5%
Net result€5k-€22k▲ 324%€16k▼ 23.9%€-23k€-2k▲ 92.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €23k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€27k▼ 26.3%
Current assets
€47k▲ 35.8%
Equity and liabilities €74k
Equity
€69k▼ 2.3%
Debt
€5k▲ 803%
The debt ratio rises from 0.8% to 7.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▲
2024 · €-10k
Cash flow
€8k▲
2024 · €-11k
Solvency
93.0%▼
2024 · 99.2%
Current ratio
9.09▼
2024 · 60.43
Quick ratio
5.17▼
2024 · 33.91
Debt / equity
0.08▲
2024 · 0.01
ROE
-2.4%▲
2024 · -33.0%
ROA
-2.2%▲
2024 · -32.8%
Interest coverage
109.78▲
2024 · -22.54
Debt
€5k▲
2024 · €578
Debt ≤ 1 year
€5k▲
2024 · €578
Income taxes
€-1k▼
2024 · €200
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€71k€74k▲
Fixed assets21/28€36k€27k▼
Tangible fixed assets22/27€36k€27k▼
Plant, machinery and equipment23€20k€13k▼
Furniture and vehicles24€1k€361▼
Other tangible fixed assets26€15k€13k▼
Current assets29/58€35k€47k▲
Stocks and contracts in progress3€15k€20k▲
Stocks30/36€15k€20k▲
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€3k€4k▲
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€12k€22k▲
Equity and liabilities
Total equity and liabilities10/49€71k€74k▲
Equity10/15€71k€69k▼
Contributions10/11€6k€6k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€21k€19k▼
Amounts payable17/49€578€5k▲
Amounts payable within one year42/48€578€5k▲
Trade debts44€378€719▲
Suppliers440/4€378€719▲
Taxes, remuneration and social security45€200€4k▲
Taxes450/3€200€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€3k€520▼
Gross operating margin9900€-7k€7k▲
Operating profit (loss)9901€-23k€-3k▲
Financial income75/76B€1€65▲
Recurring financial income75€1€65▲
Financial charges65/66B€454€61▼
Recurring financial charges65€454€61▼
Profit (loss) for the period before taxes9903€-23k€-3k▲
Income taxes67/77€200€-1k▼
Profit (loss) for the period9904€-23k€-2k▲
Profit (loss) for the period to be appropriated9905€-23k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€19k▼
Profit (loss) brought forward from the previous period14P€44k€21k▼
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼242%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 17current ratio 60.43
Current ratio from 3.46 to 60.43; short-term debt falls from €18k to €578.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.46
Current ratio from 1.72 to 3.46; short-term debt falls from €44k to €18k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2019net €24k ▲13.4%
Net result €24k, the highest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zandhoven · 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.
Herentalsebaan 1332240 ZandhovenGround area
1,091 m²
Building footprint
120 m²
Volume, LiDAR
702 m³
Parcel 11046A0286/00Y000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Garage Joeri Jacobs
since 20182.280.624.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11046A0286/00Y000 | Flanders | 1,091 m² | 1 · 120 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 255 EUR awarded · 255 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 255 EUR | 255 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,958. 2,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2018
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45204
95319Other maintenance and repair of motor vehicles
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.