JABU
ActiveSummary
The computed 12-month bankruptcy probability of JABU is 1.9% (moderate). The 2026 annual accounts show equity of €1.0m and a net result of €109,719. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 244 sector peers (fiscal year 2026). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
Axes · tick = 2025
Profitability73▼-1
Solvency60▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.09 in 2025; short-term debt: 64.3% and cash: 6.6% of total assets), and 65.5% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
34.5%
Return on assets
3.8%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 30-06-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
62 d early
2025
38 d early
2024
52 d early
2023
66 d early
2022
57 d early
2021
49 d early
2020
45 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 5 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-01-2027 close31-08-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?CELIO INTERNATIONAL · 7 companies
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
Turnover
€5.6m
EBIT margin
1.5%
Net result
€109,719▼ 8.2%
2025 · €119,544
Working capital
€355,690▲ 115%
2025 · €165,272
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Turnover
Operating result€29,707€72,099▲ 143%€98,325▲ 36.4%€99,772▲ 1.5%€99,429▼ 0.3%
Net result€19,511within the sector's middle half€66,332within the sector's middle half▲ 240%€106,482within the sector's middle half▲ 60.5%€119,544within the sector's middle half▲ 12.3%€109,719▼ 8.2%
EBIT margin
Equity€600,938within the sector's middle half▲ 3.4%€667,270within the sector's middle half▲ 11.0%€773,751within the sector's middle half▲ 16.0%€893,295within the sector's middle half▲ 15.4%€1.0m▲ 12.3%
Total assets€2.4mabove the sector's middle half▼ 10.6%€2.1mwithin the sector's middle half▼ 10.8%€2.2mwithin the sector's middle half▲ 3.7%€2.8mwithin the sector's middle half▲ 27.0%€2.9m▲ 4.7%
Debt€1.7m▼ 14.8%€1.4m▼ 18.6%€1.4m▼ 2.0%€1.8m▲ 34.0%€1.9m▲ 2.9%
Working capital€465,923within the sector's middle half▲ 12.4%-€26,081below the sector's middle half€81,334within the sector's middle half€165,272within the sector's middle half▲ 103%€355,690▲ 115%
Solvency25.4%within the sector's middle half▲ 3.4pp31.7%within the sector's middle half▲ 6.2pp35.4%within the sector's middle half▲ 3.7pp32.2%within the sector's middle half▼ 3.2pp34.5%▲ 2.3pp
Current ratio1.28within the sector's middle half▲ 0.070.98below the sector's middle half▼ 0.301.06within the sector's middle half▲ 0.081.09within the sector's middle half▲ 0.031.19▲ 0.10
Return on assets (ROA)0.8%within the sector's middle half▲ 12.6pp3.1%within the sector's middle half▲ 2.3pp4.9%within the sector's middle half▲ 1.7pp4.3%within the sector's middle half▼ 0.6pp3.8%▼ 0.5pp
Staff (FTE)25.9above the sector's middle half▼ 2.6%24.4above the sector's middle half▼ 5.8%25.4above the sector's middle half▲ 4.1%23.3above the sector's middle half▼ 8.3%22.9▼ 1.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 0% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €2.9m
Fixed assets
€680,181 ▼ 13.7%
Current assets
€2.2m ▲ 12.0%
Equity and liabilities €2.9m
Equity
€1.0m ▲ 12.3%
Provisions
€0 ▼ 100%
Debt
€1.9m ▲ 2.9%
Debt's share of the balance-sheet total falls from 66.6% to 65.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€258,140▲
2025 · €177,151
Cash flow
€268,430▲
2025 · €196,923
Quick ratio
0.93▲
2025 · 0.87
Debt to equity
1.90▼
2025 · 2.07
ROE
10.9%▼
2025 · 13.4%
Interest coverage
878.60▲
2025 · 473.01
Debt ≤ 1 year
€1.9m▲
2025 · €1.8m
Staff costs
€1.0m▼
2025 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 14,732 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.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €115,505 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €838,751 | €963,261 | €1.1m | €1.1m | €1.0m | ▼ 3.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €63,625 | €89,915 | €2,092 | €77,380 | €158,711 | ▲ 105% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | -€32,767 | - |
| Other operating charges640/8 | €8,770 | €9,046 | €11,141 | €10,392 | €5,746 | ▼ 44.7% |
| Gross operating margin9900 | €940,853 | €1.1m | €1.2m | €1.3m | €1.3m | ▲ 0.7% |
| Operating profit (loss)9901 | €29,707 | €72,099 | €98,325 | €99,772 | €99,429 | ▼ 0.3% |
| Financial income75/76B | €50 | - | €9,064 | €20,146 | €10,584 | ▼ 47.5% |
| Recurring financial income75 | €50 | - | €9,064 | €20,146 | €10,584 | ▼ 47.5% |
| Financial charges65/66B | €10,245 | €5,767 | €908 | €375 | €294 | ▼ 21.6% |
| Recurring financial charges65 | €10,245 | €5,767 | €908 | €375 | €294 | ▼ 21.6% |
| Profit (loss) for the period before taxes9903 | €19,511 | €66,332 | €106,482 | €119,544 | €109,719 | ▼ 8.2% |
| Profit (loss) for the period9904 | €19,511 | €66,332 | €106,482 | €119,544 | €109,719 | ▼ 8.2% |
| Transfer from tax-exempt reserves789 | - | €71,200 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €19,511 | €137,532 | €106,482 | €119,544 | €109,719 | ▼ 8.2% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.4m | €2.1m | €2.2m | €2.8m | €2.9m | ▲ 4.7% |
| Fixed assets21/28 | €253,187 | €787,848 | €764,406 | €787,712 | €680,181 | ▼ 13.7% |
| Tangible fixed assets22/27 | €122,397 | €595,612 | €613,878 | €631,762 | €498,807 | ▼ 21.0% |
| Plant, machinery and equipment23 | €2,218 | €4,755 | €18,859 | €24,381 | €22,179 | ▼ 9.0% |
| Furniture and vehicles24 | €6,674 | €260,957 | €238,621 | €199,227 | €133,293 | ▼ 33.1% |
| Other tangible fixed assets26 | €113,504 | €305,997 | €355,248 | €400,022 | €323,787 | ▼ 19.1% |
| Assets under construction and advance payments27 | - | €23,904 | €1,150 | €8,132 | €19,548 | ▲ 140% |
| Financial fixed assets28 | €130,791 | €192,236 | €150,528 | €155,950 | €181,375 | ▲ 16.3% |
| Current assets29/58 | €2.1m | €1.3m | €1.4m | €2.0m | €2.2m | ▲ 12.0% |
| Stocks and contracts in progress3 | €360,909 | €434,789 | €381,533 | €408,440 | €494,978 | ▲ 21.2% |
| Stocks30/36 | €360,909 | €434,789 | €381,533 | €408,440 | €494,978 | ▲ 21.2% |
| Amounts receivable within one year40/41 | €295,743 | €466,192 | €819,386 | €1.3m | €1.3m | ▲ 1.5% |
| Trade receivables40 | €283,024 | €451,498 | €63,535 | €10,502 | €6,608 | ▼ 37.1% |
| Other amounts receivable41 | €12,719 | €14,694 | €755,851 | €1.3m | €1.3m | ▲ 1.9% |
| Current investments50/53 | - | - | €0 | - | - | - |
| Cash at bank and in hand54/58 | €1.3m | €192,524 | €28,169 | €57,204 | €192,852 | ▲ 237% |
| Deferred charges and accrued income490/1 | €195,150 | €224,929 | €190,921 | €217,914 | €214,393 | ▼ 1.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.4m | €2.1m | €2.2m | €2.8m | €2.9m | ▲ 4.7% |
| Equity10/15 | €600,938 | €667,270 | €773,751 | €893,295 | €1.0m | ▲ 12.3% |
| Contributions10/11 | €236,750 | €236,750 | €236,750 | €236,750 | €236,750 | = |
| Capital10 | - | - | €236,750 | - | - | - |
| Issued capital100 | - | - | €236,750 | - | - | - |
| Reserves13 | €138,245 | €113,933 | €113,933 | €113,933 | €113,933 | = |
| Non-distributable reserves130/1 | €23,675 | €23,675 | €23,675 | €23,675 | €23,675 | = |
| Reserves not available under the articles1311 | €23,675 | €23,675 | €23,675 | €23,675 | €23,675 | = |
| Tax-exempt reserves132 | €71,200 | - | - | - | - | - |
| Distributable reserves133 | €43,370 | €90,258 | €90,258 | €90,258 | €90,258 | = |
| Profit (loss) carried forward14 | €225,943 | €316,587 | €423,069 | €542,612 | €652,331 | ▲ 20.2% |
| Provisions and deferred taxes16 | €32,767 | €32,767 | €32,767 | €32,767 | - | - |
| Provisions for liabilities and charges160/5 | €32,767 | €32,767 | €32,767 | €32,767 | - | - |
| Other liabilities and charges164/5 | €32,767 | €32,767 | €32,767 | €32,767 | - | - |
| Amounts payable17/49 | €1.7m | €1.4m | €1.4m | €1.8m | €1.9m | ▲ 2.9% |
| Amounts payable within one year42/48 | €1.6m | €1.3m | €1.3m | €1.8m | €1.9m | ▲ 2.7% |
| Current portion of amounts payable after more than one year42 | €9,131 | - | - | - | - | - |
| Financial debts43 | €456,843 | - | - | - | - | - |
| Other loans439 | €456,843 | - | - | - | - | - |
| Trade debts44 | €898,337 | €1.1m | €1.0m | €1.5m | €1.6m | ▲ 4.4% |
| Suppliers440/4 | €898,337 | €1.1m | €1.0m | €1.5m | €1.6m | ▲ 4.4% |
| Taxes, remuneration and social security45 | €268,951 | €242,267 | €287,502 | €279,896 | €259,633 | ▼ 7.2% |
| Taxes450/3 | €100,435 | €88,134 | €116,733 | €105,262 | €104,195 | ▼ 1.0% |
| Remuneration and social security454/9 | €168,516 | €154,133 | €170,769 | €174,634 | €155,438 | ▼ 11.0% |
| Other amounts payable47/48 | €8,910 | €1 | €3,340 | €141 | €514 | ▲ 264% |
| Accrued charges and deferred income492/3 | €85,405 | €61,730 | €39,222 | €26,922 | €32,857 | ▲ 22.0% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,511 | €66,332 | €106,482 | €119,544 | €109,719 | ▼ 8.2% |
| + Depreciation and write-downs630 | €63,625 | €89,915 | €2,092 | €77,380 | €158,711 | ▲ 105% |
| Operating cash flow (approximation) | €83,136 | €156,246 | €108,573 | €196,923 | €268,430 | ▲ 36.3% |
| Investment in fixed assets (approximation) | - | -€624,576 | €21,350 | -€100,686 | -€51,180 | ▲ 49.2% |
| Change in cash | - | -€1.1m | -€164,355 | €29,035 | €135,648 | ▲ 367% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Equity above €1mEq €1.0m ▲12.3%
5 profitable years in a row build equity to €1.0m.
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-01
Financial
Highest result since 2019net €119,544 ▲12.3%
Operating result €99,772, net result €119,544, both a record.
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-01
Financial
Back to profitnet €19,511
Net result €19,511 after one loss-making year.
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial
Weakest financial yearnet -€310,105
Net result drops to -€310,105, the lowest in the series; recovery starts the following year.
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 45 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Sint-Gillis (bij-Brussel) · 6 establishment units since 1999
Ground area
13.1 ha
Building footprint
9.4 ha
Volume, LiDAR
1,012,584 m³
7 parcels, Brussels, Flanders, Wallonia · tallest building 64.2 m, ±10 floors. Linked by address, not a title deed.
109
companies at this address
See who is registered here
6 establishment units
Jabu
since 19992.142.959.533
Jabu
since 19992.142.959.731
Celio / Celio Club
since 20092.183.674.688
CELIO
since 20142.229.133.640
Celio
since 20142.238.040.517
CELIO
since 20172.268.702.613
7 parcels
Flanders
1
(14.3%)
Wallonia
5
(71.4%)
Brussels
1
(14.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62806C0923/00B002 | Wallonia | 6.3 ha | 1 · 3.8 ha | 22.7 m · 3 fl. |
| 71016I1055/00H000 | Flanders | 2.9 ha | 1 · 2.5 ha | 64.2 m · 2 fl. |
| 25386B0123/00V002 | Wallonia | 2.5 ha | 1 · 2.1 ha | 24.1 m · 4 fl. |
| 62817B0604/00D002 | Wallonia | 6,611 m² | 1 · 4,730 m² | 25.6 m · 5 fl. |
| 21562A0411/00A002 | Brussels | 2,707 m² | 1 · 2,234 m² | 49.4 m · 10 fl. |
| 62087B0259/00M002 | Wallonia | 2,262 m² | 1 · 2,158 m² | 13.3 m · 4 fl. |
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
Linked by address, not proof of ownership
Good to know
7 of 7 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
CELIO INTERNATIONAL
7 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- CELIO INTERNATIONAL
- JABU
Highest known parent: CELIO INTERNATIONAL. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Dual-learning approval
4 endedAanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
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Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. 1,125 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-09-1990
Fiscal year end31-01
Activities, NACEBEL 2025
47712Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0441453433
Also
9925:BE0441453433
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.