Age2 yrs
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of JACO CONSULT is 0.5% (very low). The 2025 annual accounts show equity of €36k and a net result of €26k. Its solvency ranks better than 57% of 297 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 05-01-2026 | 26 d early | 2026-00005095 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€26k
Working capital€7k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 05-01-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 48.5% | 42.2% | |
| Net result | €26k | €57k | |
| Equity | €36k | €207k | |
| Gross operating margin | €36k | €83k | |
| Total assets | €75k | €690k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | - |
| Net profit | €26k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €9k |
| Dividends | €2k |
| Total assets | €75k |
| Equity | €36k |
| Debt | €39k |
| of which ≤ 1y | €38k |
| of which > 1y | - |
| Working capital | €7k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.19 |
| Quick ratio | 1.19 |
| Working capital ratio | 9.7% |
| Solvency | 48.5% |
| Debt / equity | 1.06 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 33.9% |
| ROE | 70.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €75k |
| Fixed assets | 21/28 | €30k |
| Financial fixed assets | 28 | €30k |
| Current assets | 29/58 | €45k |
| Amounts receivable within one year | 40/41 | €36k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €75k |
| Equity | 10/15 | €36k |
| Contributions / capital | 10/11 | €13k |
| Reserves | 13 | €24k |
| Amounts payable | 17/49 | €39k |
| Amounts payable within one year | 42/48 | €38k |
| Trade debts payable within one year | 44 | €105 |
| Income statement | ||
| Gross operating margin | 9900 | €36k |
| Operating result | 9901 | €36k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €35k |
| Income taxes | 67/77 | €9k |
| Net result for the period | 9904 | €26k |
| Result to be appropriated | 9905 | €26k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed73
/ 100
Healthy
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Weiswampacher Weg, Malscheid 474790 Burg-ReulandEstablishment units
1 locationJACO CONSULT
since 20242.357.139.986
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 6 months ago
2026
06-02-2026 Change in the board of directors
Summary:
v3.2
Analysis
Snowflake analysis
financial profile on 5 axes79
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
73
Profitability
100
Solvency
76
Growth
-
Stability
67
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameDE | JACO CONSULT |
Registered office
Weiswampacher Weg, Malscheid 47
4790 Burg-Reuland, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.