Equity
€274,232 ▲ 10.3%
JACO'S paid out €20,000 in dividends. That is 3,915% of the 2025 profit.
JACO'S
Lifetime
6 annual accounts with figures on one time axispeak €319,266 (2024)
€267,213▼ 16.3%
peak €49,677 (2024)
€511▼ 99.0%
peak €274,232 (2025)
€274,232▲ 10.3%
€103,602▼ 32.2%
peak 4 FTE (2025)
4 FTE
Board1 name since 2019
1 directorSmets Jacob
Owners5 names in the annual accounts
60%Jacob Smets and 4 others
Documentsfilings and deeds
18-08-202618 days late
2025abbreviated format
Gross margin from €319,266 to €267,213Result from €49,677 to €511Capital increase of €75,000 to €200,000 28-03Dividend €20,000Debts from €152,802 to €103,602Cash from €51,397 to €24,674
Key points
from the 2025 annual accountsChecked score
55
Fair
Financially stronger than 61% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 1.0%▲ +0.1 percentage points vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.2%▲ +0.2 percentage points vs 06-2025
08-2025: 0.9%▼ -0.3 percentage points vs 07-2025
09-2025: 0.9%● unchanged vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.7%▼ -0.2 percentage points vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026lowest value
03-2026: 0.7%● unchanged vs 02-2026lowest value
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.9%▲ +0.1 percentage points vs 06-2026
08-2026: 1.3%▲ +0.4 percentage points vs 07-2026
09-2026: 1.9%▲ +0.6 percentage points vs 08-2026highest value
10-2026: 1.9%● unchanged vs 09-2026highest value
11-2026: 1.9%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Founded in 2019
Size: 4 FTE, total assets €377,834
lowers risk
Equity €274,232 (72.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 86% of them on solvency, 53% on liquidity, 48% on profitability and 56% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,047 companies had the same profile as JACO'S has now. Each dot stands for 13 companies, two years later.
94.0%
were still trading
3.8%
stopped another way
2.2%
went bankrupt
That fits the bankruptcy probability of JACO'S itself: 1.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,047 companies, not a prediction for JACO'S. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.23 (0.77 in 2024), below the usual 1.5. Short-term debt is 21.2% and cash 6.5% of total assets. 27.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 18 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
18 days late
2024
1 day early
2023
8 days late
2022
29 days late
2021
9 days early
2020
16 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 10 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
SJ
Smets Jacob
Director, since 10-10-2019
- Jacob Smets 60%annual accounts 2025
- Goemmy 20%equity €40,379 (2025) · annual accounts 2025
- L.J. Management 10%score 92equity €142,083 (2025) · annual accounts 2025
Recent changes
Capital increase of €75,000 to €200,000
Capital from €125,000 to €200,000, 50 new shares · 10 shares · 30 shares · General meeting of 21-03-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0735962160
Capital increase of €75,000 to €125,000
Capital from €50,000 to €125,000, 50 new shares · General meeting of 24-06-2022 · Gazette deed
Incorporation
published on 14-10-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JACO'S Bekkevoort | €377,834 | €267,213 | 72.6% | 4 |
| Wynstaaf Ghent | €310,813 | €309,386 | 33.1% | 5.2 |
| NOBIS Sint-Truiden | €486,934 | €254,314 | 36.2% | 3.9 |
| LETAGE Oudenaarde | €410,033 | €504,361 | 68.7% | 4.5 |
| Louvain Leuven | €385,253 | €163,396 | 68.9% | 3.4 |
| Sint Elooi Loppem Zedelgem | €585,403 | €299,476 | 36.2% | 4.4 |
| La Cafet'Arya Durbuy | €241,309 | €246,069 | 27.4% | 4.3 |
These companies have the same main activity as JACO'S: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €241,000 and €585,000, founded between 2015 and 2021.
Official details
Source: KBO- Status
- Active since 10-10-2019Normal situation
- Activity
- Cafés and barsNACE 56301and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2021
- Establishment unit
- 2.295.506.5823200 Aarschot, since 10-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Insights on JACO'S
JACO'S files the abbreviated format. That format states no turnover. The gross margin rose from €35,939 in 2020 to €267,213 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JACO'S
- What is the company number of JACO'S?
- The company number of JACO'S is 0735.962.160. The VAT number is the same number with BE in front: BE 0735.962.160.
- Where is JACO'S based?
- The registered office is at Berkstraat 19, 3460 Bekkevoort.Company details
- What does JACO'S do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of JACO'S?
- JACO'S is a private limited company (BV).
- When was JACO'S founded?
- JACO'S was founded on 10-10-2019.
- Is JACO'S still active?
- Yes, JACO'S is an active enterprise in the KBO register.
- How many employees does JACO'S have?
- JACO'S had an average of 4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does JACO'S fall under?
- In its 2021 annual accounts, JACO'S states joint committee 302 (Hotels and catering).
- What is the turnover of JACO'S?
- The turnover in financial year 2025 is ≈ €640,000. This figure is estimated from the gross margin of €267,213 and 82 comparable companies (NACE 56). It probably lies between €580,000 and €810,000.
- Is JACO'S profitable?
- In financial year 2025, JACO'S made a profit of €511.
- Where can I find the annual accounts of JACO'S?
- JACO'S filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JACO'S due?
- JACO'S must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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