JACO'S
ActiveThe computed 12-month bankruptcy probability of JACO'S is 2.8% (moderate). The 2025 annual accounts show equity of €274k and a net result of €511. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 3674 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-15
Solvency98▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.77 in 2024; short-term debt: 21.2% and cash: 6.5% of total assets), and 27.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
72.6%
Return on assets
0.1%
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 18-08-2026, 18 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 · 6 filingsDeviation from the deadline
2025
18 d late
2024
1 d early
2023
8 d late
2022
29 d late
2021
9 d early
2020
16 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€274k▲ 10.3%
2024 · €249k
2020: €71k
2021: €99k
2022: €184k
2023: €214k
2024: €249k
2020 → 2025
Total assets
€378k▼ 5.9%
2024 · €402k
2020: €130k
2021: €179k
2022: €232k
2023: €416k
2024: €402k
2020 → 2025
Net result
€511▼ 99.0%
2024 · €50k
2020: €21k
2021: €28k
2022: €10k
2023: €45k
2024: €50k
2020 → 2025
Working capital
€19k
2024 · €-33k
2020: €-34k
2021: €-22k
2022: €16k
2023: €-84k
2024: €-33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€184k▲ 85.4%€214k▲ 16.5%€249k▲ 16.2%€274k▲ 10.3%
Operating result€29k-€11k▼ 63.3%€55k▲ 422%€68k▲ 23.3%€2k▼ 96.5%
Net result€28k-€10k▼ 65.7%€45k▲ 374%€50k▲ 9.5%€511▼ 99.0%
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 falls in 2025; 2025 is 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €378k
Fixed assets
€279k▼ 3.5%
Current assets
€99k▼ 12.2%
Equity and liabilities €378k
Equity
€274k▲ 10.3%
Debt
€104k▼ 32.2%
The debt ratio falls from 38.1% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €117k
Cash flow
€51k▼
2024 · €99k
Solvency
72.6%▲
2024 · 61.9%
Current ratio
1.23▲
2024 · 0.77
Quick ratio
0.77▲
2024 · 0.51
Debt / equity
0.38▼
2024 · 0.61
ROE
0.2%▼
2024 · 20.0%
ROA
0.1%▼
2024 · 12.4%
Interest coverage
28.02▼
2024 · 57.29
Debt
€104k▼
2024 · €153k
Debt ≤ 1 year
€80k▼
2024 · €145k
Staff costs
€212k▲
2024 · €200k
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€402k€378k▼
Formation expenses20€0€0=
Fixed assets21/28€289k€279k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€284k€275k▼
Land and buildings22€82k€68k▼
Plant, machinery and equipment23€46k€32k▼
Furniture and vehicles24€18k€14k▼
Other tangible fixed assets26€139k€160k▲
Financial fixed assets28€2k€2k=
Current assets29/58€113k€99k▼
Stocks and contracts in progress3€38k€37k▼
Stocks30/36€38k€37k▼
Amounts receivable within one year40/41€21k€33k▲
Trade receivables40€15k€32k▲
Other amounts receivable41€6k€265▼
Cash at bank and in hand54/58€51k€25k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€402k€378k▼
Equity10/15€249k€274k▲
Contributions10/11€125k€170k▲
Reserves13€124k€104k▼
Distributable reserves133€124k€104k▼
Amounts payable17/49€153k€104k▼
Amounts payable within one year42/48€145k€80k▼
Trade debts44€32k€34k▲
Suppliers440/4€32k€34k▲
Advances received on contracts in progress46€36k€6k▼
Taxes, remuneration and social security45€24k€17k▼
Taxes450/3€23k€15k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€53k€23k▼
Accrued charges and deferred income492/3€7k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€200k€212k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€51k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€319k€267k▼
Operating profit (loss)9901€68k€2k▼
Financial income75/76B€387€4▼
Recurring financial income75€387€4▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€66k€511▼
Income taxes67/77€16k-
Profit (loss) for the period9904€50k€511▼
Profit (loss) for the period to be appropriated9905€50k€511▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€511▼
Transfer from equity791/2-€20k
Transfer to equity691/2€35k€511▼
To other reserves6921€35k€511▼
Profit to be distributed694/7€15k€20k▲
Return on contributions (dividend)694€15k€20k▲
Social balance
Average headcount (FTE)9087-4.0
The notes to these accounts (10 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €511 ▼99%
Net result drops to €511, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €50k ▲9.5%
Operating result €68k, net result €50k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Equity above €200kEq €214k ▲16.5%
4 profitable years in a row build equity to €214k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €150kEq €184k ▲85.4%
3 profitable years in a row build equity to €184k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 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, Bekkevoort · 1 establishment unit since 2019
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.
Berkstraat 193460 BekkevoortGround area
2,099 m²
Building footprint
183 m²
Volume, LiDAR
1,417 m³
2 parcels, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JACO'S
since 20192.295.506.582
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24008D0314/00G000 | Flanders | 1,322 m² | 1 · 139 m² | 9.8 m · 2 fl. |
| 24662H0306/00H000 | Flanders | 776 m² | 1 · 44 m² | 15.7 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAarschot2.295.506.582
Similar companies · same sector, comparable size
LAURENT
BE 0890.739.518
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ZEEZICHT
BE 0429.034.364
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ZUIDEREVENT
BE 0439.932.711
Antwerpen · Eq €273k
FOSMAL
BE 0477.019.274
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TACK FRANCOISE
BE 0459.305.886
Wortegem-Petegem · Eq €273k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 2,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.