JACKY DELEM
ActiveJACKY DELEM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €584k and a net result of €54k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 1199 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+8
Solvency86▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 3.02 in 2024; short-term debt: 15.6% and cash: 13.4% of total assets), and 38.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
61.1%
Return on assets
5.7%
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 04-08-2026, 4 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
4 d late
2024
10 d late
2023
13 d late
2022
16 d late
2021
19 d late
2020
5 d late
2019
14 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€584k▲ 6.1%
2024 · €550k
2018: €328k
2019: €352k
2020: €414k
2021: €469k
2022: €527k
2023: €579k
2024: €550k
2018 → 2025
Total assets
€956k▲ 1.5%
2024 · €942k
2018: €489k
2019: €470k
2020: €615k
2021: €648k
2022: €785k
2023: €784k
2024: €942k
2018 → 2025
Net result
€54k
2024 · €-6k
2018: €35k
2019: €26k
2020: €63k
2021: €56k
2022: €58k
2023: €52k
2024: €-6k
2018 → 2025
Working capital
€303k▲ 13.4%
2024 · €267k
2018: €201k
2019: €217k
2020: €260k
2021: €296k
2022: €288k
2023: €318k
2024: €267k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€469k-€527k▲ 12.3%€579k▲ 9.8%€550k▼ 5.0%€584k▲ 6.1%
Operating result€69k-€71k▲ 2.7%€69k▼ 2.2%€-1k€84k
Net result€56k-€58k▲ 4.2%€52k▼ 10.7%€-6k€54k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €84k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €956k
Fixed assets
€504k▼ 7.1%
Current assets
€452k▲ 13.3%
Equity and liabilities €956k
Equity
€584k▲ 6.1%
Debt
€372k▼ 5.0%
The debt ratio falls from 41.6% to 38.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€196k▲
2024 · €109k
Cash flow
€167k▲
2024 · €104k
Solvency
61.1%▲
2024 · 58.4%
Current ratio
3.03▲
2024 · 3.02
Quick ratio
2.80▲
2024 · 2.79
Debt / equity
0.64▼
2024 · 0.71
ROE
9.3%▲
2024 · -1.1%
ROA
5.7%▲
2024 · -0.6%
Interest coverage
18.88▼
2024 · 19.84
Debt
€372k▼
2024 · €392k
Debt ≤ 1 year
€149k▲
2024 · €132k
Debt > 1 year
€223k▼
2024 · €260k
Income taxes
€20k▲
2024 · €312
Staff costs
€339k▲
2024 · €331k
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€942k€956k▲
Fixed assets21/28€543k€504k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€543k€504k▼
Land and buildings22€209k€196k▼
Plant, machinery and equipment23€252k€244k▼
Furniture and vehicles24€42k€26k▼
Other tangible fixed assets26€40k€38k▼
Current assets29/58€399k€452k▲
Stocks and contracts in progress3€32k€34k▲
Stocks30/36€32k€34k▲
Amounts receivable within one year40/41€197k€285k▲
Trade receivables40€185k€272k▲
Other amounts receivable41€12k€12k▲
Cash at bank and in hand54/58€166k€129k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€942k€956k▲
Equity10/15€550k€584k▲
Contributions10/11€19k€19k=
Reserves13€153k€183k▲
Tax-exempt reserves132€71k€71k=
Distributable reserves133€82k€112k▲
Profit (loss) carried forward14€371k€375k▲
Investment grants15€8k€7k▼
Amounts payable17/49€392k€372k▼
Amounts payable after more than one year17€260k€223k▼
Financial debts170/4€260k€223k▼
Amounts payable within one year42/48€132k€149k▲
Current portion of amounts payable after more than one year42€50k€37k▼
Trade debts44€41k€37k▼
Suppliers440/4€41k€37k▼
Taxes, remuneration and social security45€41k€56k▲
Taxes450/3€6k€24k▲
Remuneration and social security454/9€35k€33k▼
Other amounts payable47/48€619€19k▲
Income statement
Code20242025
Non-recurring operating income76A-€16k
Remuneration, social security and pensions62€331k€339k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€112k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€447k€542k▲
Operating profit (loss)9901€-1k€84k▲
Financial income75/76B€782€948▲
Recurring financial income75€782€948▲
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Profit (loss) for the period before taxes9903€-6k€75k▲
Income taxes67/77€312€20k▲
Profit (loss) for the period9904€-6k€54k▲
Profit (loss) for the period to be appropriated9905€-6k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€371k€425k▲
Profit (loss) brought forward from the previous period14P€377k€371k▼
Transfer from equity791/2€30k€20k▼
Transfer to equity691/2-€50k
To other reserves6921-€50k
Profit to be distributed694/7€30k€20k▼
Return on contributions (dividend)694€30k€20k▼
Social balance
Average headcount (FTE)9087-7.2
The notes to these accounts (12 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
31-12
Financial
Weakest financial yearnet €-6k ▼112%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Equity above €500kEq €527k ▲12.3%
5 profitable years in a row build equity to €527k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Highest result since 2018net €63k ▲143%
Net result €63k, the highest in the series.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Leuze-en-Hainaut · 1 establishment unit since 2006
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.
Humont(Th) 697901 Leuze-en-HainautGround area
1,102 m²
Building footprint
180 m²
Volume, LiDAR
1,050 m³
Parcel 57079B0153/00G000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jacky Delem
since 20062.153.391.189
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57079B0153/00G000 | Wallonia | 1,102 m² | 1 · 180 m² | 9.1 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesJACKY DELEM SRL23452
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CALICE
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VAN DEN EYNDE J&K
BE 0443.946.630
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TUIN- EN BOOMWERKEN VAN DE WOESTYNE
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 2,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2006
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
42110Construction of roads and motorways
42220Construction of utility projects for electricity and telecommunications
43110Demolition
43120Site preparation
45111
45112
45215
45230
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.