JACO

Active

Private limited companyfounded 201015 yrs activeStadsbeemd 1031, 3545 Halen, BelgiumKBO/BCE: BE 0830.085.715

JACO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €632k and a net result of €124k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 69% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

100 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability98▲+21

Solvency99=

Growth78=

Stability100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €65k at 30 days acceptable

Liquidity ample (current ratio 2.78 against 3.31 in 2024), and 39.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

60.7%

Return on assets

11.9%

Age of the figures

9 mo

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

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

29 d early

2024

29 d early

2023

11 d early

2022

1 d late

2021

10 d late

2020

3 d late

2019

28 d late

← before the deadline after the deadline →

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

16-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, abbreviated schema

Equity

€632k▲ 24.3%

2024 · €508k

2018: €175k 2019: €203k 2020: €271k 2021: €320k 2022: €337k 2023: €430k 2024: €508k

2018 → 2025

Total assets

€1.04M▲ 23.7%

2024 · €842k

2018: €506k 2019: €704k 2020: €851k 2021: €776k 2022: €689k 2023: €679k 2024: €842k

2018 → 2025

Net result

€124k▲ 57.4%

2024 · €79k

2018: €44k 2019: €28k 2020: €69k 2021: €49k 2022: €48k 2023: €93k 2024: €79k

2018 → 2025

Working capital

€495k▲ 28.2%

2024 · €386k

2018: €159k 2019: €144k 2020: €203k 2021: €230k 2022: €232k 2023: €339k 2024: €386k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€320k-€337k▲ 5.2%€430k▲ 27.6%€508k▲ 18.3%€632k▲ 24.3%

Operating result€73k-€64k▼ 12.3%€130k▲ 103%€121k▼ 6.3%€162k▲ 33.2%

Net result€49k-€48k▼ 1.5%€93k▲ 93.8%€79k▼ 15.6%€124k▲ 57.4%

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 recovers in 2025; 2025 is 33% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.04M

25.8%

74.2%

Fixed assets €268k▼ 6.9%

Current assets €773k▲ 39.7%

Equity and liabilities €1.04M

60.7%

39.3%

Equity €632k▲ 24.3%

Debt €410k▲ 22.7%

The debt ratio falls from 39.6% to 39.3%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€203k▲

2024 · €161k

Cash flow

€165k▲

2024 · €118k

Solvency

60.7%▲

2024 · 60.4%

Current ratio

2.78▼

2024 · 3.31

Quick ratio

2.73▼

2024 · 3.23

Debt / equity

0.65▼

2024 · 0.66

ROE

19.6%▲

2024 · 15.5%

ROA

11.9%▲

2024 · 9.3%

Interest coverage

25.51▲

2024 · 7.88

Debt

€410k▲

2024 · €334k

Debt ≤ 1 year

€278k▲

2024 · €167k

Debt > 1 year

€132k▼

2024 · €166k

Income taxes

€37k▲

2024 · €31k

Staff costs

€107k▼

2024 · €137k

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€842k€1.04M▲

Fixed assets21/28€288k€268k▼

Intangible fixed assets21€3k€3k▼

Tangible fixed assets22/27€285k€266k▼

Land and buildings22€193k€182k▼

Plant, machinery and equipment23€30k€38k▲

Furniture and vehicles24€62k€46k▼

Current assets29/58€554k€773k▲

Stocks and contracts in progress3€14k€15k▲

Stocks30/36€14k€15k▲

Amounts receivable within one year40/41€219k€370k▲

Trade receivables40€157k€318k▲

Other amounts receivable41€63k€52k▼

Cash at bank and in hand54/58€314k€382k▲

Deferred charges and accrued income490/1€7k€6k▼

Equity and liabilities

Total equity and liabilities10/49€842k€1.04M▲

Equity10/15€508k€632k▲

Contributions10/11€19k€19k=

Reserves13€490k€613k▲

Distributable reserves133€490k€613k▲

Amounts payable17/49€334k€410k▲

Amounts payable after more than one year17€166k€132k▼

Financial debts170/4€166k€132k▼

Amounts payable within one year42/48€167k€278k▲

Current portion of amounts payable after more than one year42€31k€37k▲

Trade debts44€109k€227k▲

Suppliers440/4€109k€227k▲

Taxes, remuneration and social security45€24k€13k▼

Taxes450/3€19k€13k▼

Remuneration and social security454/9€5k-

Other amounts payable47/48€3k-

Accrued charges and deferred income492/3€651-

Income statement Code20242025

Non-recurring operating income76A€413-

Remuneration, social security and pensions62€137k€107k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€41k▲

Other operating charges640/8€4k€10k▲

Gross operating margin9900€301k€320k▲

Operating profit (loss)9901€121k€162k▲

Financial income75/76B€8k€7k▼

Recurring financial income75€8k€7k▼

Financial charges65/66B€20k€8k▼

Recurring financial charges65€20k€8k▼

Profit (loss) for the period before taxes9903€109k€161k▲

Income taxes67/77€31k€37k▲

Profit (loss) for the period9904€79k€124k▲

Profit (loss) for the period to be appropriated9905€79k€124k▲

Appropriation of the result

Profit (loss) to be appropriated9906€79k€124k▲

Transfer to equity691/2€79k€124k▲

To other reserves6921€79k€124k▲

Social balance

Average headcount (FTE)90873.12.6▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Highest result since 2018net €124k ▲57.4%

Operating result €162k, net result €124k, both a record.

02-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Equity above €500kEq €508k ▲18.3%

7 profitable years in a row build equity to €508k.

20-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Liquidity doublescurrent ratio 5.13

Current ratio from 2.42 to 5.13; short-term debt falls from €163k to €82k.

01-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 1 day late

2022

10-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 10 days late

2021

03-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 3 days late

2020

28-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 28 days late

2019

31-12

Financial Weakest financial yearnet €28k ▼37.3%

Net result drops to €28k, the lowest in the series; recovery starts the following year.

31-12

Financial Equity above €200kEq €203k ▲16%

2 profitable years in a row build equity to €203k.

23-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 23 days late

2018

24-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 24 days late

2017

22-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 22 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, Halen · 1 establishment unit since 2010

establishment The establishment unit on the map

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.

Stadsbeemd 10313545 Halen

Ground area

3,131 m²

Building footprint

694 m²

Volume, LiDAR

3,538 m³

2 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JACO

Michel Janssensstraat 55, 3270 Scherpenheuvel-ZichemManufacture of metal structures and parts of structures

since 20102.193.617.188

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71020B0295/00E000	Flanders	2,831 m²	1 · 604 m²	6.0 m · 2 fl.
24098A0328/00T007	Flanders	299 m²	1 · 90 m²	9.6 m · 1 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.

Public money · subsidies and aid

Flemish government

2025 · 2 entries · 532 EUR awarded · 532 EUR paid

Year	Entries	awarded	paid
2025	2	532 EUR	532 EUR

Schemes

Individueel Maatwerk

1 entry · 286 EUR · 286 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 246 EUR · 246 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Recognised contractor

7 categories

JACO BV36180

category D16, class 2 · category D17, class 3 · category D18, class 2 · category P1, class 3 · category P2, class 1 · category P3, class 1 · category S1, class 1

decision 02-06-2021