JABO INVEST
ActiveJABO INVEST has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €387k and a net result of €209k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+24
Solvency68▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.17 against 1.74 in 2024; short-term debt: 12.7% and cash: 52.8% of total assets), but 56.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
43.4%
Return on assets
23.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
12 d late
2023
30 d late
2022
27 d early
2021
29 d late
2020
4 d early
2019
87 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€387k▲ 117%
2024 · €178k
2018: €63k
2019: €78k
2020: €104k
2021: €112k
2022: €129k
2023: €152k
2024: €178k
2018 → 2025
Total assets
€891k▲ 47.2%
2024 · €605k
2018: €340k
2019: €331k
2020: €345k
2021: €620k
2022: €611k
2023: €595k
2024: €605k
2018 → 2025
Net result
€209k▲ 711%
2024 · €26k
2018: €-859
2019: €15k
2020: €26k
2021: €8k
2022: €17k
2023: €24k
2024: €26k
2018 → 2025
Working capital
€360k▲ 1,903%
2024 · €18k
2018: €-105k
2019: €-98k
2020: €-79k
2021: €-34k
2022: €-29k
2023: €-14k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€129k▲ 15.2%€152k▲ 18.4%€178k▲ 16.9%€387k▲ 117%
Operating result€16k-€31k▲ 94.4%€41k▲ 29.6%€43k▲ 6.1%€317k▲ 635%
Net result€8k-€17k▲ 121%€24k▲ 40.0%€26k▲ 8.6%€209k▲ 711%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 635% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €891k
Fixed assets
€417k▼ 25.9%
Current assets
€473k▲ 1,020%
Equity and liabilities €891k
Equity
€387k▲ 117%
Debt
€504k▲ 18.0%
The debt ratio falls from 70.6% to 56.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€329k▲
2024 · €60k
Cash flow
€220k▲
2024 · €42k
Solvency
43.4%▲
2024 · 29.4%
Current ratio
4.17▲
2024 · 1.74
Quick ratio
4.17▲
2024 · 1.74
Debt / equity
1.30▼
2024 · 2.40
ROE
54.0%▲
2024 · 14.4%
ROA
23.4%▲
2024 · 4.2%
Interest coverage
60.77▲
2024 · 10.84
Debt
€504k▲
2024 · €427k
Debt ≤ 1 year
€114k▲
2024 · €24k
Debt > 1 year
€386k▼
2024 · €399k
Income taxes
€103k▲
2024 · €12k
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€605k€891k▲
Fixed assets21/28€563k€417k▼
Tangible fixed assets22/27€563k€417k▼
Land and buildings22€563k€417k▼
Current assets29/58€42k€473k▲
Amounts receivable within one year40/41€270€2k▲
Trade receivables40€270€2k▲
Cash at bank and in hand54/58€42k€471k▲
Deferred charges and accrued income490/1€431€819▲
Equity and liabilities
Total equity and liabilities10/49€605k€891k▲
Equity10/15€178k€387k▲
Contributions10/11€100k€100k=
Reserves13€78k€287k▲
Distributable reserves133€78k€287k▲
Amounts payable17/49€427k€504k▲
Amounts payable after more than one year17€399k€386k▼
Financial debts170/4€208k€198k▼
Other amounts payable178/9€190k€189k▼
Amounts payable within one year42/48€24k€114k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44-€62
Suppliers440/4-€62
Taxes, remuneration and social security45€4k€96k▲
Taxes450/3€4k€96k▲
Other amounts payable47/48€9k€6k▼
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€286k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€12k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€62k€331k▲
Operating profit (loss)9901€43k€317k▲
Financial income75/76B€111€232▲
Recurring financial income75€111€232▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€38k€312k▲
Income taxes67/77€12k€103k▲
Profit (loss) for the period9904€26k€209k▲
Profit (loss) for the period to be appropriated9905€26k€209k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€209k▲
Transfer to equity691/2€26k€209k▲
To other reserves6921€26k€209k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
17-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 30/06/2026
- Registered-office move, Molsekiezel 116, 3920 Lommel
2025
31-12
Financial
Highest result since 2018net €209k ▲711%
Operating result €317k, net result €209k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.17
Current ratio from 1.74 to 4.17.
31-12
Financial
Equity above €200kEq €387k ▲117%
7 profitable years in a row build equity to €387k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.74
Current ratio from 0.52 to 1.74; short-term debt falls from €29k to €24k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €152k ▲18.4%
5 profitable years in a row build equity to €152k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €104k ▲33.1%
2 profitable years in a row build equity to €104k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lommel · 1 establishment unit since 2004
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.
Molsekiezel 163920 LommelGround area
6,394 m²
Building footprint
1,592 m²
Volume, LiDAR
1,470 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JABO INVEST
since 20042.138.816.742
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1325/00H003 | Flanders | 5,196 m² | 1 · 1,363 m² | - |
| 72020C1340/00M000 | Flanders | 1,198 m² | 1 · 229 m² | 10.4 m · 2 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.
Similar companies · same sector, comparable size
NOTARKAD
BE 0746.545.751
Zwevegem · Eq €386k
4MAT Consulting
BE 0839.443.740
Antwerpen · Eq €386k
JOVADI
BE 0783.592.328
Schoten · Eq €386k
ADRI MANAGEMENT
BE 0696.879.969
Herve · Eq €387k
ROYAUX BOUW
BE 0662.917.794
Brugge · Eq €386k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 36,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.