JACA RETAIL
ActiveThe computed 12-month bankruptcy probability of JACA RETAIL is 3.7% (moderate). The 2026 annual accounts show negative equity (€-1k) and a net result of €31k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 183 sector peers (fiscal year 2026). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability89▲+41
Solvency24▲+12
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64 against 0.64 in 2025; short-term debt: 100.8% and cash: 18.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
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
Sector 47
higher
← 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 2026Solvency, return and age of the figures
Solvency
-0.8%
Return on assets
16%
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 17-04-2026, 136 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
136 d early
2025
75 d early
2024
27 d early
2023
57 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€-1k▲ 95.4%
2025 · €-33k
2023: €-32k
2024: €-34k
2025: €-33k
2023 → 2026
Total assets
€194k▼ 24.6%
2025 · €258k
2023: €437k
2024: €294k
2025: €258k
2023 → 2026
Net result
€31k▲ 1,582%
2025 · €2k
2023: €-82k
2024: €-2k
2025: €2k
2023 → 2026
Working capital
€-71k▲ 22.9%
2025 · €-92k
2023: €-60k
2024: €-78k
2025: €-92k
2023 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2023202420252026Trend
Equity€-32k-€-34k▼ 6.4%€-33k▲ 5.4%€-1k▲ 95.4%
Operating result€-67k-€7k€10k▲ 47.2%€38k▲ 274%
Net result€-82k-€-2k▲ 97.5%€2k€31k▲ 1,582%
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 three years in a row; 2026 is 274% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €194k
Fixed assets
€70k▼ 26.2%
Current assets
€125k▼ 23.6%
Key figures and ratios
EBITDA
€63k▲
2025 · €35k
Cash flow
€56k▲
2025 · €27k
Solvency
-0.8%▲
2025 · -12.6%
Current ratio
0.64▼
2025 · 0.64
Quick ratio
0.26▼
2025 · 0.30
ROA
16.0%▲
2025 · 0.7%
Interest coverage
7.92▲
2025 · 3.42
Debt
€196k▼
2025 · €290k
Debt ≤ 1 year
€196k▼
2025 · €255k
Debt > 1 year
€0▼
2025 · €35k
Staff costs
€99k▲
2025 · €97k
A ratio outside any meaningful range has been withheld (balance sheet total €194k, equity €-1k).
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€258k€194k▼
Fixed assets21/28€95k€70k▼
Tangible fixed assets22/27€94k€69k▼
Furniture and vehicles24€1k€647▼
Other tangible fixed assets26€93k€69k▼
Financial fixed assets28€460€460=
Current assets29/58€163k€125k▼
Stocks and contracts in progress3€85k€74k▼
Stocks30/36€85k€74k▼
Amounts receivable within one year40/41€22k€11k▼
Trade receivables40€11k€11k▲
Other amounts receivable41€11k€0▼
Cash at bank and in hand54/58€53k€36k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€258k€194k▼
Equity10/15€-33k€-1k▲
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Profit (loss) carried forward14€-83k€-51k▲
Amounts payable17/49€290k€196k▼
Amounts payable after more than one year17€35k€0▼
Financial debts170/4€35k€0▼
Amounts payable within one year42/48€255k€196k▼
Current portion of amounts payable after more than one year42€41k€35k▼
Financial debts43€0€0=
Credit institutions430/8€0€0=
Trade debts44€115k€129k▲
Suppliers440/4€115k€129k▲
Taxes, remuneration and social security45€19k€32k▲
Taxes450/3€5k€19k▲
Remuneration and social security454/9€14k€12k▼
Other amounts payable47/48€81k€771▼
Income statement
Code20252026
Remuneration, social security and pensions62€97k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€387€425▲
Gross operating margin9900€133k€161k▲
Operating profit (loss)9901€10k€38k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€2k€31k▲
Profit (loss) for the period9904€2k€31k▲
Profit (loss) for the period to be appropriated9905€2k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-83k€-51k▲
Profit (loss) brought forward from the previous period14P€-84k€-83k▲
The notes to these accounts (7 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 2027, expected by
2026
17-04
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Highest result since 2023net €31k ▲1582%
Operating result €38k, net result €31k, both a record.
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-01
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
2024
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ukkel · 1 establishment unit since 2021
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.
Montjoielaan 1421180 UkkelGround area
870 m²
Building footprint
243 m²
Volume, LiDAR
3,660 m³
2 parcels, Brussels, Wallonia · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
JACADI
since 20212.324.092.086
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0174/00N004 | Brussels | 743 m² | 1 · 192 m² | 20.4 m · 6 fl. |
| 25110A0238/00_000 | Wallonia | 127 m² | 1 · 51 m² | 12.3 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.
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 506 companies in sector 47713 we hold annual accounts for 197.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2021
Fiscal year end31-01
Activities, NACEBEL
47713Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.