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JACAL

Active
Private limited companyfounded 201016 yrs activeOndernemerspark 82, 3650 Dilsen-Stokkem, BelgiumKBO/BCE: BE 0829.705.138
Summary

The annual accounts of JACAL for fiscal year 2025 show a net loss of 346% of the equity at the start of that year. The 2025 annual accounts show equity of €236,014 and a net result of -€124,840. Equity is shrinking by ~12.4% per year across the filed fiscal years. The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency58▲+28
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 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 short (current ratio 0.29 against 11.19 in 2024; short-term debt: 67% and cash: 19.5% of total assets), and 67% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 16 years 0 20 y
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €236,014
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
11 d early
2023
6 d early
2022
3 d early
2021
7 d early
2020
28 d early
2019
38 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 2 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

JACAL was incorporated on 13 September 2010.1 Total assets fell from EUR 837,456 in 2018 to EUR 715,227 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€236,014▲ 555%
2024 · €36,038
Total assets
€715,227▼ 5.8%
2024 · €759,498
Net result
-€124,840
2024 · €452
Working capital
-€339,861
2024 · €453,715
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€28,740-€3,036▲ 89.4%-€26,710▼ 780%€531-€125,269
Net result-€28,797-€3,135▲ 89.1%-€26,805▼ 755%€452-€124,840
Equity€65,526▼ 30.5%€62,391▼ 4.8%€35,586▼ 43.0%€36,038▲ 1.3%€236,014▲ 555%
Total assets€784,149▼ 6.0%€781,070▼ 0.4%€756,777▼ 3.1%€759,498▲ 0.4%€715,227▼ 5.8%
Debt€718,623▼ 2.8%€718,679=€721,191▲ 0.3%€723,460▲ 0.3%€479,214▼ 33.8%
Working capital€422,237▼ 2.0%€439,406▲ 4.1%€432,812▼ 1.5%€453,715▲ 4.8%-€339,861
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€150,000-€100,000-€50,000€0Operating result 2021: -€28,740-€28,740Net result 2021: -€28,797-€28,797Operating result 2022: -€3,036-€3,036Net result 2022: -€3,135-€3,135Operating result 2023: -€26,710-€26,710Net result 2023: -€26,805-€26,805Operating result 2024: €531€531Net result 2024: €452€452Operating result 2025: -€125,269-€125,269Net result 2025: -€124,840-€124,84020212022202320242025-€150,000-€100,000-€50,000€0Operating result 2023: -€26,710-€26,700Net result 2023: -€26,805-€26,800Operating result 2024: €531€531Net result 2024: €452€452Operating result 2025: -€125,269-€125,000Net result 2025: -€124,840-€125,000202320242025
The operating result turns negative in 2025: a loss of €125,269 after €531 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €715,227
Fixed assets €575,875 ▲ 120%
Current assets €139,352 ▼ 72.0%
Equity and liabilities €715,227
Equity €236,014 ▲ 555%
Debt €479,214 ▼ 33.8%
Debt's share of the balance-sheet total falls from 95.3% to 67.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€99,960▼
2024 · €20,721
Cash flow
-€99,530▼
2024 · €20,642
Current ratio
0.29▼
2024 · 11.19
Debt to equity
2.03▼
2024 · 20.07
ROE
-52.9%▼
2024 · 1.3%
ROA
-17.5%▼
2024 · 0.1%
Debt ≤ 1 year
€479,214▲
2024 · €44,534
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 376 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 91% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
0.8% went bankrupt
6.6% stopped otherwise
91% still going

A further 1.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.1% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 376 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€759,498€715,227▼
Fixed assets21/28€261,249€575,875▲
Tangible fixed assets22/27€261,249€575,875▲
Land and buildings22€259,254€575,875▲
Plant, machinery and equipment23€1,995€0▼
Current assets29/58€498,249€139,352▼
Stocks and contracts in progress3€291,366€0▼
Stocks30/36€291,366€0▼
Amounts receivable within one year40/41€1,007€0▼
Trade receivables40-€0
Other amounts receivable41€1,007-
Cash at bank and in hand54/58€205,201€139,352▼
Deferred charges and accrued income490/1€675€0▼
Equity and liabilities
Total equity and liabilities10/49€759,498€715,227▼
Equity10/15€36,038€236,014▲
Contributions10/11€12,400€12,400=
Revaluation surpluses12-€319,810
Reserves13€85,610€90,616▲
Non-distributable reserves130/1€1,860€0▼
Reserves not available under the articles1311€1,860€0▼
Distributable reserves133€83,750€90,616▲
Profit (loss) carried forward14-€61,972-€186,812▼
Amounts payable17/49€723,460€479,214▼
Amounts payable after more than one year17€678,265-
Other amounts payable178/9€678,265-
Amounts payable within one year42/48€44,534€479,214▲
Trade debts44€40,905€0▼
Suppliers440/4€40,905€0▼
Taxes, remuneration and social security45€3,629€15,187▲
Taxes450/3€3,629€15,187▲
Other amounts payable47/48-€464,027
Accrued charges and deferred income492/3€661€0▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,190€25,309▲
Other operating charges640/8€7,459€4,709▼
Non-recurring operating charges66A-€89,283
Gross operating margin9900€28,180-€5,969▼
Operating profit (loss)9901€531-€125,269▼
Financial income75/76B€44€429▲
Recurring financial income75€44€429▲
Non-recurring financial income76B€44-
Financial charges65/66B€123€0▼
Recurring financial charges65€123€0▼
Profit (loss) for the period before taxes9903€452-€124,840▼
Profit (loss) for the period9904€452-€124,840▼
Profit (loss) for the period to be appropriated9905€452-€124,840▼
Appropriation of the result
Profit (loss) to be appropriated9906-€61,972-€186,812▼
Profit (loss) brought forward from the previous period14P-€62,424-€61,972▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,217€20,190€20,190€20,190€25,309▲ 25.4%
Other operating charges640/8€3,257€3,033€3,322€7,459€4,709▼ 36.9%
Non-recurring operating charges66A----€89,283-
Gross operating margin9900-€5,266€20,187-€3,198€28,180-€5,969▼ 121%
Operating profit (loss)9901-€28,740-€3,036-€26,710€531-€125,269▼ 23,691%
Financial income75/76B€31-€1€44€429▲ 876%
Recurring financial income75€31-€1€44€429▲ 876%
Non-recurring financial income76B---€44--
Financial charges65/66B€88€99€96€123€0▼ 100%
Recurring financial charges65€88€99€96€123€0▼ 100%
Profit (loss) for the period before taxes9903-€28,797-€3,135-€26,805€452-€124,840▼ 27,719%
Profit (loss) for the period9904-€28,797-€3,135-€26,805€452-€124,840▼ 27,719%
Profit (loss) for the period to be appropriated9905-€28,797-€3,135-€26,805€452-€124,840▼ 27,719%
Line20212022202320242025Change
Assets
Total assets20/58€784,149€781,070€756,777€759,498€715,227▼ 5.8%
Fixed assets21/28€321,819€301,629€281,439€261,249€575,875▲ 120%
Tangible fixed assets22/27€321,819€301,629€281,439€261,249€575,875▲ 120%
Land and buildings22€313,824€295,634€277,444€259,254€575,875▲ 122%
Plant, machinery and equipment23€7,995€5,995€3,995€1,995€0▼ 100%
Current assets29/58€462,330€479,441€475,338€498,249€139,352▼ 72.0%
Stocks and contracts in progress3€373,290€352,037€349,111€291,366€0▼ 100%
Stocks30/36€373,290€352,037€349,111€291,366€0▼ 100%
Amounts receivable within one year40/41€595€1,165€1,342€1,007€0▼ 100%
Trade receivables40----€0-
Other amounts receivable41€595€1,165€1,342€1,007--
Cash at bank and in hand54/58€87,799€125,467€124,063€205,201€139,352▼ 32.1%
Deferred charges and accrued income490/1€646€772€822€675€0▼ 100%
Equity and liabilities
Total equity and liabilities10/49€784,149€781,070€756,777€759,498€715,227▼ 5.8%
Equity10/15€65,526€62,391€35,586€36,038€236,014▲ 555%
Contributions10/11€12,400€12,400€12,400€12,400€12,400=
Revaluation surpluses12----€319,810-
Reserves13€85,610€85,610€85,610€85,610€90,616▲ 5.8%
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€0▼ 100%
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€0▼ 100%
Distributable reserves133€83,750€83,750€83,750€83,750€90,616▲ 8.2%
Profit (loss) carried forward14-€32,484-€35,619-€62,424-€61,972-€186,812▼ 201%
Amounts payable17/49€718,623€718,679€721,191€723,460€479,214▼ 33.8%
Amounts payable after more than one year17€678,530€678,644€678,265€678,265--
Other amounts payable178/9€678,530€678,644€678,265€678,265--
Amounts payable within one year42/48€40,093€40,035€42,526€44,534€479,214▲ 976%
Trade debts44€40,093€40,035€42,526€40,905€0▼ 100%
Suppliers440/4€40,093€40,035€42,526€40,905€0▼ 100%
Taxes, remuneration and social security45---€3,629€15,187▲ 318%
Taxes450/3---€3,629€15,187▲ 318%
Other amounts payable47/48----€464,027-
Accrued charges and deferred income492/3--€400€661€0▼ 100%
Line20212022202320242025Change
Profit (loss) for the period9904-€28,797-€3,135-€26,805€452-€124,840▼ 27,719%
+ Depreciation and write-downs630€20,217€20,190€20,190€20,190€25,309▲ 25.4%
Operating cash flow (approximation)-€8,580€17,055-€6,615€20,642-€99,530▼ 582%
Investment in fixed assets (approximation)-€0€0€0-€339,936-
Change in cash-€37,668-€1,404€81,138-€65,849▼ 181%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Weakest financial yearnet -€124,840
Net result drops to -€124,840, the lowest in the series.
31-12
Financial Equity above €200,000Eq €236,014 ▲555%
Equity rises from €36,038 to €236,014.
20-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €452
Net result €452 after 3 loss-making years.
25-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
24-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
03-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial Back to profitnet €3,211
Net result €3,211 after one loss-making year.
07-09
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
15-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Dilsen-Stokkem · 1 establishment unit since 2010
seat establishment The establishment unit on the map
Ground area
1,327 m²
Building footprint
436 m²
Volume, LiDAR
2,753 m³
Parcel 73043A0083/00Z006, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JACAL
Ondernemerspark 82, 3650 Dilsen-StokkemAgents specialised in the wholesale of other particular products
since 20102.194.925.106
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73043A0083/00Z006 Flanders 1,327 m² 1 · 436 m² 6.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded13-09-2010
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.