JACOB JAN
ActiveJACOB JAN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €6k. Equity is growing by ~32.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▲+6
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.06 in 2024), and 84.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
15.9%
Return on assets
3.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 31510 sector peers (2025).
NBB · sector comparisonPosition among 31510 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
23 d late
2023
26 d late
2022
30 d late
2021
22 d late
2020
88 d late
2019
189 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 25.6%
2024 · €25k
2018: €30k
2019: €-27k
2020: €-16k
2021: €7k
2022: €8k
2023: €19k
2024: €25k
2018 → 2025
Total assets
€194k▼ 17.8%
2024 · €236k
2018: €84k
2019: €22k
2020: €15k
2021: €32k
2022: €71k
2023: €227k
2024: €236k
2018 → 2025
Net result
€6k▲ 7.5%
2024 · €6k
2018: €11k
2019: €-57k
2020: €11k
2021: €23k
2022: €851
2023: €11k
2024: €6k
2018 → 2025
Working capital
€19k▲ 59.1%
2024 · €12k
2018: €42k
2019: €-15k
2020: €-8k
2021: €17k
2022: €18k
2023: €15k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€8k▲ 12.3%€19k▲ 141%€25k▲ 31.3%€31k▲ 25.6%
Operating result€25k-€2k▼ 90.9%€13k▲ 487%€10k▼ 28.0%€7k▼ 24.3%
Net result€23k-€851▼ 96.3%€11k▲ 1,190%€6k▼ 46.4%€6k▲ 7.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €194k
Fixed assets
€20k▼ 31.2%
Current assets
€175k▼ 16.0%
Equity and liabilities €194k
Equity
€31k▲ 25.6%
Debt
€163k▼ 22.9%
The debt ratio falls from 89.6% to 84.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▼
2024 · €17k
Cash flow
€15k▲
2024 · €14k
Solvency
15.9%▲
2024 · 10.4%
Current ratio
1.12▲
2024 · 1.06
Quick ratio
1.05▲
2024 · 1.00
Debt / equity
5.27▼
2024 · 8.59
ROE
20.4%▼
2024 · 23.9%
ROA
3.3%▲
2024 · 2.5%
Interest coverage
16.43▲
2024 · 14.39
Debt
€163k▼
2024 · €212k
Debt ≤ 1 year
€155k▼
2024 · €196k
Debt > 1 year
€8k▼
2024 · €16k
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€236k€194k▼
Fixed assets21/28€28k€20k▼
Tangible fixed assets22/27€28k€20k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€24k€16k▼
Other tangible fixed assets26€178€171▼
Current assets29/58€208k€175k▼
Stocks and contracts in progress3€12k€12k=
Stocks30/36€12k€12k=
Amounts receivable within one year40/41€162k€127k▼
Trade receivables40-€2k
Other amounts receivable41€162k€125k▼
Current investments50/53€304€304=
Cash at bank and in hand54/58€34k€35k▲
Equity and liabilities
Total equity and liabilities10/49€236k€194k▼
Equity10/15€25k€31k▲
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-5k€1k▲
Amounts payable17/49€212k€163k▼
Amounts payable after more than one year17€16k€8k▼
Financial debts170/4€16k€8k▼
Amounts payable within one year42/48€196k€155k▼
Current portion of amounts payable after more than one year42€8k€8k=
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€174k€140k▼
Income statement
Code20242025
Remuneration, social security and pensions62€60-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€726€1k▲
Gross operating margin9900€18k€17k▼
Operating profit (loss)9901€10k€7k▼
Financial income75/76B€268-
Recurring financial income75€268-
Financial charges65/66B€1k€984▼
Recurring financial charges65€1k€984▼
Profit (loss) for the period before taxes9903€9k€6k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€6k€6k▲
Profit (loss) for the period to be appropriated9905€6k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€1k▲
Profit (loss) brought forward from the previous period14P€-11k€-5k▲
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €23k ▲99.4%
Operating result €25k, net result €23k, both a record.
31-12
Financial
Liquidity times 5current ratio 2.72
Current ratio from 0.53 to 2.72; short-term debt falls from €16k to €10k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 189 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2019
31-12
Financial
Weakest financial yearnet €-57k ▼620%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
02-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 124 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, Brugge · 1 establishment unit since 2017
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.
Frans Gevaertstraat 138200 BruggeGround area
751 m²
Building footprint
108 m²
Volume, LiDAR
675 m³
Parcel 31424B0599/00V000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frans Gevaertstraat 13, 8200 Brugge
since 20172.345.394.573
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0599/00V000 | Flanders | 751 m² | 1 · 108 m² | 9.6 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
Legal Entity Identifier
875500U9XM5HK0H2TM53
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 34,521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.