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JACOBS EXPRESS

Active
Sint-Jacobsnieuwstraat 119 ·9000 Gent, Belgium
KBO/BCE: BE 0848.061.892
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age13 yrs
Board1
Staff (FTE)2.6
Real estate1 parcel · 231 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JACOBS EXPRESS is 0.7% (low). The 2025 annual accounts show equity of €154k and a net result of €36k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 478 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
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.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 25-02-2026 25 d late 2026-00043139
30-06-2024 31-01-2025 31-01-2025 on the day 2025-00018916
30-06-2023 31-01-2024 30-01-2024 1 d early 2024-00011849
30-06-2022 31-01-2023 22-12-2022 40 d early 2022-20543218
30-06-2021 31-01-2022 20-12-2021 42 d early 2021-80900257
30-06-2020 31-01-2021 11-01-2021 20 d early 2021-00700251
30-06-2019 31-01-2020 03-01-2020 28 d early 2020-00200250
30-06-2018 31-01-2019 17-12-2018 45 d early 2018-74600490
30-06-2017 31-01-2018 04-01-2018 27 d early 2018-00300346
30-06-2016 31-01-2017 30-01-2017 1 d early 2017-02600007

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2012, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.7% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: healthy financial profile −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€36k-76.6%
Working capital€-84k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 25-02-2026 with the NBB · fiscal year 2025 · verkort
€0€100k€200kOperating result 2021: €234k€234kNet result 2021: €201k€201kOperating result 2022: €150k€150kNet result 2022: €134k€134kOperating result 2023: €81k€81kNet result 2023: €68k€68kOperating result 2024: €156k€156kNet result 2024: €152k€152kOperating result 2025: €38k€38kNet result 2025: €36k€36k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9.6%/year over 7 fiscal years, indicative, assuming unchanged policy.
€0€100k€200k€300k2026: €182k (€158k - €205k)2027: €195k (€157k - €234k)2028: €209k (€157k - €262k)2019: €34k2020: €90k2021: €131k2022: €144k2023: €152k2024: €154k2025: €154k2019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 18.7% 21.2%
better than 45% of 478 sector peers
Net result €36k €33k
better than 51% of 476 sector peers
Equity €154k €166k
better than 48% of 478 sector peers
Gross operating margin €153k €282k
better than 30% of 478 sector peers
Staff costs €58k €212k
higher than 17% of 385 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P45
2020: P26 · n=5362021: P36 · n=6772022: P43 · n=9042023: P47 · n=10692024: P49 · n=12252025: P45 · n=4782020 2025
Improving position over 2020-2025 · n=478-1225
Net result P51
2020: P89 · n=5362021: P91 · n=6752022: P82 · n=9052023: P68 · n=10682024: P85 · n=12242025: P51 · n=4762020 2025
Weakening position over 2020-2025 · n=476-1224
Equity P48
2020: P31 · n=5362021: P43 · n=6772022: P50 · n=9052023: P53 · n=10702024: P52 · n=12252025: P48 · n=4782020 2025
Improving position over 2020-2025 · n=478-1225
Gross operating margin P30
2020: P75 · n=5362021: P77 · n=6752022: P68 · n=9032023: P60 · n=10682024: P63 · n=12232025: P30 · n=4782020 2025
Weakening position over 2020-2025 · n=478-1223
Describes the position versus peers, not a forecast.
EBITDA
€92k
-56.2% 19-25
Net profit
€36k
-76.6% 19-25
Cash flow
€90k
-56.3% 19-25
Total assets
€825k
+4.1% 19-25
Equity
€154k
+0.4% 19-25
Working capital
€-84k
- 19-25
Employees (FTE)
3
+4.0% 19-25
Staff costs
€58k
-50.6% 19-25
Income taxes
€1k
+27.4% 19-25
Debt
€670k
+5.1% 19-25
Debt ≤ 1y
€659k
+6.8% 19-25
Debt > 1y
€30k
-68.9% 19-25
Current ratio
0.87
-27.0% 19-25
Quick ratio
0.66
-30.0% 19-25
Solvency
18.7%
-3.6% 19-25
Debt / equity
4.34
+4.7% 19-25
ROE
23.0%
-76.7% 19-25
ROA
4.3%
-77.5% 19-25
Interest coverage
7.32
-73.9% 19-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€92k
Net profit€36k
Cash flow€90k
Staff costs€58k
Income taxes€1k
Dividends-
Total assets€825k
Equity€154k
Debt€670k
of which ≤ 1y€659k
of which > 1y-
Working capital€-84k
Employees (FTE)2.6
Ratios (computed)
2025
Current ratio0.87
Quick ratio0.66
Working capital ratio-10.2%
Solvency18.7%
Debt / equity4.34
Long-term debt ratio-
Interest coverage7.32
Gross margin-
Net margin-
ROA4.3%
ROE23.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€825k
Fixed assets 21/28€250k
Intangible fixed assets 21€49
Tangible fixed assets 22/27€30k
Financial fixed assets 28€220k
Current assets 29/58€575k
Stocks & contracts in progress 3€141k
Amounts receivable within one year 40/41€357k
Cash & bank 54/58€35k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€825k
Equity 10/15€154k
Contributions / capital 10/11€20k
Reserves 13€111k
Accumulated profits (losses) 14€24k
Amounts payable 17/49€670k
Amounts payable within one year 42/48€659k
Trade debts payable within one year 44€613k
Income statement
Gross operating margin 9900€153k
Operating result 9901€38k
Financial income 75€12k
Financial charges 65€13k
Result before taxes 9903€37k
Income taxes 67/77€1k
Net result for the period 9904€36k
Result to be appropriated 9905€36k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
48 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
Current directors & mandates
  • Valleverde BVLegal entity
    Director· perm. rep.: Vincent Mestdagh
    State Gazette act 22107360 (08-09-2022)
    Current
    31-03-2022 → present
Former directors (1)
  • MAWOLAR BVLegal entity
    Director· perm. rep.: Masschelein Michiel Daniel
    State Gazette act 22107360 (08-09-2022)
    Former
    - → 31-03-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Private limited company(610)
Incorporation16-08-2012
StatusActive
Postal code9000

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
Carrefour Express
Sint-Jacobsnieuwstraat 119, 9000 GentDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)
since 20122.211.667.009
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area231 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44802B1206/00L000 Flanders 231 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 2 years ago
2023
29-11-2023 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Nicolaas Vermeulen
Summary: otherNotary: Nicolaas Vermeulen · Menen
2022
08-09-2022 2 directors appointed, 1 resigning Director changes
  • Vincent Mestdagh, Bestuurder
  • Vincent Mestdagh, Vaste vertegenwoordiger
  • Masschelein Michiel Daniel, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health48Profitability100Solvency21Growth78Stability100
69 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 48
Profitability 100
Solvency 21
Growth 78
Stability 100

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AI due-diligence brief

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,626 of the 10,428 companies in this sector. 1,118 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
Legal nameNL JACOBS EXPRESS
Registered office
Sint-Jacobsnieuwstraat 119
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.