JACK & LILY
ActiveJACK & LILY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €37k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-10
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 3.72 in 2024; short-term debt: 19.7% and cash: 1.5% of total assets), and 19.7% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
80.3%
Return on assets
17%
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 17-09-2026, 48 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 · 9 filingsDeviation from the deadline
2025
48 d late
2024
61 d late
2023
159 d late
2022
60 d late
2021
57 d late
2020
128 d late
2019
110 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 26.8%
2024 · €137k
2018: €39k
2019: €54k
2020: €111k
2021: €110k
2022: €113k
2023: €106k
2024: €137k
2018 → 2025
Total assets
€216k▲ 17.4%
2024 · €184k
2018: €49k
2019: €65k
2020: €120k
2021: €117k
2022: €135k
2023: €149k
2024: €184k
2018 → 2025
Net result
€37k▲ 18.2%
2024 · €31k
2018: €-794
2019: €15k
2020: €57k
2021: €-236
2022: €3k
2023: €-8k
2024: €31k
2018 → 2025
Working capital
€173k▲ 35.2%
2024 · €128k
2018: €38k
2019: €53k
2020: €110k
2021: €110k
2022: €113k
2023: €105k
2024: €128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€113k▲ 2.7%€106k▼ 6.8%€137k▲ 29.3%€173k▲ 26.8%
Operating result€12k-€35k▲ 206%€-349€48k€57k▲ 18.0%
Net result€-236-€3k€-8k€31k€37k▲ 18.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€345▼ 96.1%
Current assets
€215k▲ 23.2%
Equity and liabilities €216k
Equity
€173k▲ 26.8%
Debt
€42k▼ 9.7%
The debt ratio falls from 25.6% to 19.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
80.3%▲
2024 · 74.4%
Current ratio
5.07▲
2024 · 3.72
Quick ratio
5.07▲
2024 · 3.72
Debt / equity
0.25▼
2024 · 0.34
ROE
21.1%▼
2024 · 22.7%
ROA
17.0%▲
2024 · 16.9%
Debt
€42k▼
2024 · €47k
Debt ≤ 1 year
€42k▼
2024 · €47k
Income taxes
€17k▲
2024 · €16k
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€184k€216k▲
Fixed assets21/28€9k€345▼
Tangible fixed assets22/27€8k-
Furniture and vehicles24€8k-
Financial fixed assets28€345€345=
Current assets29/58€175k€215k▲
Amounts receivable within one year40/41€160k€212k▲
Other amounts receivable41€160k€212k▲
Cash at bank and in hand54/58€14k€3k▼
Deferred charges and accrued income490/1€352€149▼
Equity and liabilities
Total equity and liabilities10/49€184k€216k▲
Equity10/15€137k€173k▲
Contributions10/11€12k€12k=
Reserves13€15k€15k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€109k€146k▲
Amounts payable17/49€47k€42k▼
Amounts payable within one year42/48€47k€42k▼
Trade debts44€13k€7k▼
Suppliers440/4€13k€7k▼
Taxes, remuneration and social security45€34k€35k▲
Taxes450/3€34k€35k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€997-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€51k€59k▲
Operating profit (loss)9901€48k€57k▲
Financial income75/76B-€27
Recurring financial income75-€27
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€47k€54k▲
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€31k€37k▲
Profit (loss) for the period to be appropriated9905€31k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€146k▲
Profit (loss) brought forward from the previous period14P€78k€109k▲
The notes to these accounts (5 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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
31-12
Financial
Equity above €150kEq €173k ▲26.8%
2 profitable years in a row build equity to €173k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
06-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 159 days late
2024
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-8k ▼361%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 128 days late
2020
31-12
Financial
Highest result since 2018net €57k ▲281%
Operating result €60k, net result €57k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 12.60
Current ratio from 5.50 to 12.60; short-term debt falls from €12k to €10k.
31-12
Financial
Equity above €100kEq €111k ▲106%
2 profitable years in a row build equity to €111k.
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 110 days late
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
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, Watermaal-Bosvoorde · 1 establishment unit since 2016
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.
Krekelenberg 741170 Watermaal-BosvoordeGround area
121 m²
Building footprint
57 m²
Volume, LiDAR
355 m³
Parcel 21652E0524/00Y000, Brussels · tallest building 13.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jack & Lily
since 20162.254.269.112
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0524/00Y000 | Brussels | 121 m² | 1 · 57 m² | 13.7 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.
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MAP RELOCATIONS
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GRANA
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2016
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.