JACOBEL
ActiveThe computed 12-month bankruptcy probability of JACOBEL is 1.7% (moderate). The 2025 annual accounts show equity of €1.11M and a net result of €382k. Equity is growing by ~45.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 10253 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+4
Solvency66▲+11
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.31 in 2024; short-term debt: 32.8% and cash: 8.1% of total assets), but 58.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
41.3%
Return on assets
14.3%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 28-08-2025, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
not confirmed
2025
3 d early
2024
3 d early
2023
66 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€1.11M▲ 52.8%
2024 · €723k
2023: €444k
2024: €723k
2023 → 2025
Total assets
€2.68M▲ 10.0%
2024 · €2.43M
2023: €2.08M
2024: €2.43M
2023 → 2025
Net result
€382k▲ 36.6%
2024 · €279k
2023: €344k
2024: €279k
2023 → 2025
Working capital
€635k▲ 135%
2024 · €271k
2023: €52k
2024: €271k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€444k-€723k▲ 62.9%€1.11M▲ 52.8%
Operating result€365k-€368k▲ 0.9%€516k▲ 40.1%
Net result€344k-€279k▼ 18.7%€382k▲ 36.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.68M
Fixed assets
€1.16M▼ 10.4%
Current assets
€1.51M▲ 33.3%
Equity and liabilities €2.68M
Equity
€1.11M▲ 52.8%
Debt
€1.57M▼ 8.1%
The debt ratio falls from 70.3% to 58.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€675k▲
2024 · €522k
Cash flow
€540k▲
2024 · €433k
Solvency
41.3%▲
2024 · 29.7%
Current ratio
1.72▲
2024 · 1.31
Quick ratio
1.23▲
2024 · 0.89
Debt / equity
1.42▼
2024 · 2.37
ROE
34.5%▼
2024 · 38.6%
ROA
14.3%▲
2024 · 11.5%
Interest coverage
36.44▲
2024 · 23.64
Debt
€1.57M▼
2024 · €1.71M
Debt ≤ 1 year
€879k▲
2024 · €865k
Debt > 1 year
€693k▼
2024 · €827k
Income taxes
€122k▲
2024 · €68k
Staff costs
€360k▲
2024 · €281k
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€2.43M€2.68M▲
Fixed assets21/28€1.30M€1.16M▼
Tangible fixed assets22/27€1.30M€1.16M▼
Plant, machinery and equipment23€1.06M€934k▼
Furniture and vehicles24€403€4k▲
Other tangible fixed assets26€235k€226k▼
Current assets29/58€1.14M€1.51M▲
Stocks and contracts in progress3€370k€435k▲
Stocks30/36€370k€435k▲
Amounts receivable within one year40/41€241k€50k▼
Trade receivables40€10k€18k▲
Other amounts receivable41€231k€31k▼
Current investments50/53€614€801k▲
Cash at bank and in hand54/58€511k€218k▼
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€2.43M€2.68M▲
Equity10/15€723k€1.11M▲
Contributions10/11€100k€100k=
Reserves13€344k€1.01M▲
Distributable reserves133€344k€1.01M▲
Profit (loss) carried forward14€279k€-20▼
Amounts payable17/49€1.71M€1.57M▼
Amounts payable after more than one year17€827k€693k▼
Financial debts170/4€827k€693k▼
Amounts payable within one year42/48€865k€879k▲
Current portion of amounts payable after more than one year42€142k€145k▲
Trade debts44€661k€572k▼
Suppliers440/4€661k€572k▼
Taxes, remuneration and social security45€60k€158k▲
Taxes450/3€24k€96k▲
Remuneration and social security454/9€36k€62k▲
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€18k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€281k€360k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€154k€158k▲
Other operating charges640/8€17k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€820k€1.04M▲
Operating profit (loss)9901€368k€516k▲
Financial income75/76B€871€6k▲
Recurring financial income75€871€6k▲
Financial charges65/66B€22k€19k▼
Recurring financial charges65€22k€19k▼
Profit (loss) for the period before taxes9903€347k€503k▲
Income taxes67/77€68k€122k▲
Profit (loss) for the period9904€279k€382k▲
Profit (loss) for the period to be appropriated9905€279k€382k▲
Appropriation of the result
Profit (loss) to be appropriated9906€279k€661k▲
Profit (loss) brought forward from the previous period14P-€279k
Transfer to equity691/2€0€661k▲
To contributions691€0-
To the legal reserve6920-€661k
Social balance
Average headcount (FTE)90878.411.1▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
Financial
Highest result since 2023net €382k ▲36.6%
Operating result €516k, net result €382k, both a record.
31-01
Financial
Equity above €1MEq €1.11M ▲52.8%
3 profitable years in a row build equity to €1.11M.
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-01
Financial
Weakest financial yearnet €279k ▼18.7%
Net result drops to €279k, the lowest in the series; recovery starts the following year.
31-01
Financial
Equity above €500kEq €723k ▲62.9%
2 profitable years in a row build equity to €723k.
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oudenburg · 1 establishment unit since 2022
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.
Eernegemsestraat 258460 OudenburgGround area
3,103 m²
Building footprint
1,297 m²
Volume, LiDAR
1 m³
Parcel 35023B0353/00V002, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Delhaize
since 20222.325.446.128
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35023B0353/00V002 | Flanders | 3,103 m² | 1 · 1,297 m² | 0.1 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 30,645 EUR awarded · 31,020 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 2 | -1,455 EUR | 375 EUR |
| 2023 | 1 | 0 EUR | 10,585 EUR |
| 2022 | 1 | 30,100 EUR | 18,060 EUR |
Schemes
Ecologiepremie+
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudenburg2.325.446.128
Dual-learning approval
3 live approvalsOnthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,529 companies in sector 47110 we hold annual accounts for 5,858. 2,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-12-2021
Fiscal year end31-01
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.