JACOBS EXPRESS
ActiveSummary
JACOBS EXPRESS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154,390 and a net result of €35,575. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 10552 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-19
Solvency44=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.87 against 1.2 in 2024; short-term debt: 79.8% and cash: 4.3% of total assets), and 81.3% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
18.7%
Return on assets
4.3%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
on the day
2023
1 d early
2022
40 d early
2021
42 d early
2020
20 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 30 January (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€154,390▲ 0.4%
2024 · €153,815
Total assets
€824,764▲ 4.1%
2024 · €791,956
Net result
€35,575▼ 76.6%
2024 · €151,826
Working capital
-€84,033
2024 · €120,701
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€233,665▲ 22.0%€149,531▼ 36.0%€80,522▼ 46.2%€156,003▲ 93.7%€37,592▼ 75.9%
Net result€200,746above the sector's middle half▲ 14.5%€133,843above the sector's middle half▼ 33.3%€67,597within the sector's middle half▼ 49.5%€151,826above the sector's middle half▲ 125%€35,575within the sector's middle half▼ 76.6%
Equity€130,550within the sector's middle half▲ 45.4%€144,393within the sector's middle half▲ 10.6%€151,989within the sector's middle half▲ 5.3%€153,815within the sector's middle half▲ 1.2%€154,390within the sector's middle half▲ 0.4%
Total assets€739,401within the sector's middle half▼ 0.8%€764,552within the sector's middle half▲ 3.4%€742,565within the sector's middle half▼ 2.9%€791,956within the sector's middle half▲ 6.7%€824,764within the sector's middle half▲ 4.1%
Debt€608,851▼ 7.1%€620,160▲ 1.9%€590,576▼ 4.8%€638,141▲ 8.1%€670,374▲ 5.1%
Working capital€43,827within the sector's middle half▲ 2.5%€50,208within the sector's middle half▲ 14.6%€70,665within the sector's middle half▲ 40.7%€120,701within the sector's middle half▲ 70.8%-€84,033below the sector's middle half
Solvency17.7%within the sector's middle half▲ 5.6pp18.9%within the sector's middle half▲ 1.2pp20.5%within the sector's middle half▲ 1.6pp19.4%within the sector's middle half▼ 1.0pp18.7%within the sector's middle half▼ 0.7pp
Current ratio1.09within the sector's middle half▼ 0.011.09within the sector's middle half=1.13within the sector's middle half▲ 0.031.20within the sector's middle half▲ 0.070.87below the sector's middle half▼ 0.32
Return on assets (ROA)27.1%above the sector's middle half▲ 3.6pp17.5%above the sector's middle half▼ 9.6pp9.1%within the sector's middle half▼ 8.4pp19.2%above the sector's middle half▲ 10.1pp4.3%within the sector's middle half▼ 14.9pp
Staff (FTE)4.1within the sector's middle half4.3within the sector's middle half▲ 4.9%2.5within the sector's middle half▼ 41.9%2.6within the sector's middle half▲ 4.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €824,764
Fixed assets
€250,259 ▲ 357%
Current assets
€574,505 ▼ 22.1%
Equity and liabilities €824,764
Equity
€154,390 ▲ 0.4%
Debt
€670,374 ▲ 5.1%
Debt's share of the balance-sheet total rises from 80.6% to 81.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€91,807▼
2024 · €209,770
Cash flow
€89,790▼
2024 · €205,593
Quick ratio
0.66▼
2024 · 0.94
Debt to equity
4.34▲
2024 · 4.15
ROE
23.0%▼
2024 · 98.7%
Interest coverage
7.32▼
2024 · 28.01
Debt ≤ 1 year
€658,539▲
2024 · €616,518
Income taxes
€1,461▲
2024 · €1,146
Staff costs
€57,893▼
2024 · €117,295
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.4%
went bankrupt
1.6%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €122,917 | €133,095 | €117,295 | €57,893 | ▼ 50.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,718 | €55,849 | €55,849 | €53,768 | €54,215 | ▲ 0.8% |
| Other operating charges640/8 | - | €6,252 | €2,204 | €806 | €3,422 | ▲ 324% |
| Gross operating margin9900 | €405,399 | €334,550 | €271,670 | €327,872 | €153,122 | ▼ 53.3% |
| Operating profit (loss)9901 | €233,665 | €149,531 | €80,522 | €156,003 | €37,592 | ▼ 75.9% |
| Financial income75/76B | - | €842 | €3,674 | €4,458 | €11,979 | ▲ 169% |
| Recurring financial income75 | €3,677 | €842 | €3,674 | €4,458 | €11,979 | ▲ 169% |
| Financial charges65/66B | - | €10,758 | €12,430 | €7,489 | €12,535 | ▲ 67.4% |
| Recurring financial charges65 | €21,950 | €10,758 | €12,430 | €7,489 | €12,535 | ▲ 67.4% |
| Profit (loss) for the period before taxes9903 | €215,392 | €139,614 | €71,765 | €152,972 | €37,036 | ▼ 75.8% |
| Income taxes67/77 | €14,645 | €5,771 | €4,168 | €1,146 | €1,461 | ▲ 27.4% |
| Profit (loss) for the period9904 | €200,746 | €133,843 | €67,597 | €151,826 | €35,575 | ▼ 76.6% |
| Profit (loss) for the period to be appropriated9905 | €200,746 | €133,843 | €67,597 | €151,826 | €35,575 | ▼ 76.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €739,401 | €764,552 | €742,565 | €791,956 | €824,764 | ▲ 4.1% |
| Fixed assets21/28 | €220,066 | €164,217 | €108,505 | €54,737 | €250,259 | ▲ 357% |
| Intangible fixed assets21 | €2,725 | €2,056 | €1,387 | €718 | €49 | ▼ 93.1% |
| Tangible fixed assets22/27 | €217,341 | €162,161 | €106,980 | €53,882 | €30,072 | ▼ 44.2% |
| Plant, machinery and equipment23 | - | €162,161 | €106,980 | €53,882 | €30,072 | ▼ 44.2% |
| Financial fixed assets28 | - | - | €137 | €137 | €220,137 | ▲ 160,116% |
| Current assets29/58 | €519,334 | €600,336 | €634,060 | €737,219 | €574,505 | ▼ 22.1% |
| Stocks and contracts in progress3 | €141,054 | €138,530 | €154,560 | €157,000 | €140,696 | ▼ 10.4% |
| Stocks30/36 | - | €138,530 | €154,560 | €157,000 | €140,696 | ▼ 10.4% |
| Amounts receivable within one year40/41 | €355 | €338,266 | €325,876 | €465,007 | €357,292 | ▼ 23.2% |
| Trade receivables40 | - | - | €3,432 | €1,048 | €3,137 | ▲ 199% |
| Other amounts receivable41 | - | €338,266 | €322,444 | €463,959 | €354,155 | ▼ 23.7% |
| Cash at bank and in hand54/58 | €376,742 | €102,031 | €127,908 | €91,099 | €35,095 | ▼ 61.5% |
| Deferred charges and accrued income490/1 | - | €21,509 | €25,717 | €24,114 | €41,422 | ▲ 71.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €739,401 | €764,552 | €742,565 | €791,956 | €824,764 | ▲ 4.1% |
| Equity10/15 | €130,550 | €144,393 | €151,989 | €153,815 | €154,390 | ▲ 0.4% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €110,550 | €110,550 | €110,550 | €110,550 | €110,550 | = |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | - | - | - |
| Distributable reserves133 | - | €108,550 | €108,550 | €110,550 | €110,550 | = |
| Profit (loss) carried forward14 | - | €13,843 | €21,440 | €23,265 | €23,841 | ▲ 2.5% |
| Amounts payable17/49 | €608,851 | €620,160 | €590,576 | €638,141 | €670,374 | ▲ 5.1% |
| Amounts payable after more than one year17 | €97,396 | €30,316 | - | - | - | - |
| Financial debts170/4 | - | €30,316 | - | - | - | - |
| Amounts payable within one year42/48 | €475,507 | €550,127 | €563,395 | €616,518 | €658,539 | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | - | €72,285 | €30,316 | - | - | - |
| Trade debts44 | €228,613 | €344,691 | €459,284 | €550,701 | €613,069 | ▲ 11.3% |
| Suppliers440/4 | - | €344,691 | €459,284 | €550,701 | €613,069 | ▲ 11.3% |
| Taxes, remuneration and social security45 | - | €13,151 | €13,795 | €5,817 | €9,557 | ▲ 64.3% |
| Taxes450/3 | - | - | €4,168 | €1,132 | €1,866 | ▲ 64.8% |
| Remuneration and social security454/9 | - | €13,151 | €9,627 | €4,685 | €7,691 | ▲ 64.2% |
| Other amounts payable47/48 | - | €120,000 | €60,000 | €60,000 | €35,913 | ▼ 40.1% |
| Accrued charges and deferred income492/3 | - | €39,717 | €27,181 | €21,623 | €11,835 | ▼ 45.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €200,746 | €133,843 | €67,597 | €151,826 | €35,575 | ▼ 76.6% |
| + Depreciation and write-downs630 | €54,718 | €55,849 | €55,849 | €53,768 | €54,215 | ▲ 0.8% |
| Operating cash flow (approximation) | €255,465 | €189,692 | €123,446 | €205,593 | €89,790 | ▼ 56.3% |
| Investment in fixed assets (approximation) | - | €0 | -€137 | €0 | -€249,737 | - |
| Change in cash | - | -€274,711 | €25,877 | -€36,809 | -€56,003 | ▼ 52.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €150,000Eq €151,989 ▲5.3%
5 profitable years in a row build equity to €151,989.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €200,746 ▲14.5%
Operating result €233,665, net result €200,746, both a record.
30-06
Financial
Equity above €100,000Eq €130,550 ▲45.4%
3 profitable years in a row build equity to €130,550.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2012
Ground area
231 m²
Parcel 44802B1206/00L000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Carrefour Express
since 20122.211.667.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44802B1206/00L000 | Flanders | 231 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- Vimes
- VALLEVERDE
- JACOBS EXPRESS
Highest known parent: Vimes. The sources do not say who stands above it.
Owners 1
- VALLEVERDEparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,641 EUR awarded · 3,641 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 0 EUR |
| 2024 | 1 | 1,043 EUR | 1,043 EUR |
| 2023 | 1 | 1,656 EUR | 1,656 EUR |
| 2022 | 1 | 942 EUR | 942 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.211.667.009
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Of 10,504 companies in sector 47110 we hold annual accounts for 5,849. 4,442 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-08-2012
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0848061892
Also
9925:BE0848061892
Registered
31-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.