JACOBS i3
ActiveSummary
The computed 12-month bankruptcy probability of JACOBS i3 is 2.1% (moderate). The 2025 annual accounts show equity of €140,931 and a net result of -€58,027. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 2226 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability6▲+6
Solvency49▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.3 against 1.45 in 2024; short-term debt: 67.8% and cash: 22.3% of total assets), and 75.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.5%
Return on assets
-10.1%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€58,027
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
40 d early
2024
28 d early
2023
40 d early
2022
41 d early
2021
41 d early
2020
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 22 December (5 of the last 5 filed years within 30 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
Equity
€140,931▼ 29.2%
2024 · €198,958
Total assets
€575,594▼ 33.5%
2024 · €866,074
Net result
-€58,027▲ 59.5%
2024 · -€143,359
Working capital
€116,892▼ 50.9%
2024 · €238,011
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 41, Construction of residential and non-residential buildings, 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€79,196▼ 72.6%€80,138▲ 1.2%€174,997▲ 118%-€141,462-€51,724▲ 63.4%
Net result€55,469within the sector's middle half▼ 73.0%€54,997within the sector's middle half▼ 0.9%€125,557above the sector's middle half▲ 128%-€143,359below the sector's middle half-€58,027below the sector's middle half▲ 59.5%
Equity€280,880within the sector's middle half▲ 24.6%€335,877within the sector's middle half▲ 19.6%€436,434within the sector's middle half▲ 29.9%€198,958within the sector's middle half▼ 54.4%€140,931within the sector's middle half▼ 29.2%
Total assets€1.3mwithin the sector's middle half▲ 0.4%€1.1mwithin the sector's middle half▼ 11.1%€913,491within the sector's middle half▼ 20.0%€866,074within the sector's middle half▼ 5.2%€575,594within the sector's middle half▼ 33.5%
Debt€953,727▼ 7.0%€734,503▼ 23.0%€477,057▼ 35.1%€667,117▲ 39.8%€434,663▼ 34.8%
Working capital€445,785within the sector's middle half▲ 31.0%€532,400within the sector's middle half▲ 19.4%€581,466above the sector's middle half▲ 9.2%€238,011within the sector's middle half▼ 59.1%€116,892within the sector's middle half▼ 50.9%
Solvency21.9%within the sector's middle half▲ 4.3pp29.4%within the sector's middle half▲ 7.6pp47.8%within the sector's middle half▲ 18.4pp23.0%within the sector's middle half▼ 24.8pp24.5%within the sector's middle half▲ 1.5pp
Current ratio1.84within the sector's middle half▲ 0.272.36within the sector's middle half▲ 0.523.91above the sector's middle half▲ 1.551.45within the sector's middle half▼ 2.461.30within the sector's middle half▼ 0.15
Return on assets (ROA)4.3%within the sector's middle half▼ 11.7pp4.8%within the sector's middle half▲ 0.5pp13.7%above the sector's middle half▲ 8.9pp-16.6%below the sector's middle half▼ 30.3pp-10.1%below the sector's middle half▲ 6.5pp
Staff (FTE)10.6within the sector's middle half▲ 26.2%8.1within the sector's middle half▼ 23.6%6.6within the sector's middle half▼ 18.5%6.1within the sector's middle half▼ 7.6%5within the sector's middle half▼ 18.0%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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 stays negative: a loss of €51,724 in 2025 against €141,462 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €575,594
Fixed assets
€68,696 ▼ 27.9%
Current assets
€506,898 ▼ 34.2%
Equity and liabilities €575,594
Equity
€140,931 ▼ 29.2%
Debt
€434,663 ▼ 34.8%
Debt's share of the balance-sheet total falls from 77.0% to 75.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€20,701▲
2024 · -€46,053
Cash flow
-€27,005▲
2024 · -€47,950
Quick ratio
0.66▼
2024 · 0.99
Debt to equity
3.08▼
2024 · 3.35
ROE
-41.2%▲
2024 · -72.1%
Interest coverage
-2.87▲
2024 · -9.13
Debt ≤ 1 year
€390,006▼
2024 · €532,732
Debt > 1 year
€35,580▼
2024 · €125,464
Income taxes
€411▲
2024 · -€37
Staff costs
€192,793▼
2024 · €221,689
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,133 companies that looked in July 2024 the way this one looks now, 6.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
6.4%
went bankrupt
6.6%
stopped otherwise
86%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% 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 1,133 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,436 | - | €1,500 | €1,405 | ▼ 6.3% |
| Remuneration, social security and pensions62 | - | €291,304 | €266,844 | €221,689 | €192,793 | ▼ 13.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €97,908 | €107,208 | €93,322 | €95,409 | €31,022 | ▼ 67.5% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €21,066 | -€71,565 | - | - | - |
| Other operating charges640/8 | - | €2,134 | €2,901 | €2,752 | €2,684 | ▼ 2.5% |
| Non-recurring operating charges66A | - | €400 | €28,734 | - | - | - |
| Gross operating margin9900 | €570,866 | €502,249 | €495,234 | €178,388 | €174,775 | ▼ 2.0% |
| Operating profit (loss)9901 | €79,196 | €80,138 | €174,997 | -€141,462 | -€51,724 | ▲ 63.4% |
| Financial income75/76B | - | €3,376 | €2,630 | €3,112 | €1,330 | ▼ 57.2% |
| Recurring financial income75 | €3,189 | €3,376 | €2,630 | €3,112 | €1,330 | ▼ 57.2% |
| Financial charges65/66B | - | €14,072 | €12,116 | €5,044 | €7,223 | ▲ 43.2% |
| Recurring financial charges65 | €15,057 | €14,072 | €12,116 | €5,044 | €7,223 | ▲ 43.2% |
| Profit (loss) for the period before taxes9903 | €67,327 | €69,442 | €165,511 | -€143,395 | -€57,616 | ▲ 59.8% |
| Income taxes67/77 | €11,858 | €14,445 | €39,954 | -€37 | €411 | ▲ 1,218% |
| Profit (loss) for the period9904 | €55,469 | €54,997 | €125,557 | -€143,359 | -€58,027 | ▲ 59.5% |
| Profit (loss) for the period to be appropriated9905 | €55,469 | €54,997 | €125,557 | -€143,359 | -€58,027 | ▲ 59.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.1m | €913,491 | €866,074 | €575,594 | ▼ 33.5% |
| Fixed assets21/28 | €308,425 | €216,812 | €131,878 | €95,332 | €68,696 | ▼ 27.9% |
| Tangible fixed assets22/27 | €308,425 | €216,812 | €131,878 | €95,332 | €68,696 | ▼ 27.9% |
| Plant, machinery and equipment23 | - | €143,555 | €76,200 | €6,406 | €3,882 | ▼ 39.4% |
| Furniture and vehicles24 | - | €73,258 | €55,679 | €88,926 | €64,814 | ▼ 27.1% |
| Current assets29/58 | €976,682 | €925,133 | €781,613 | €770,742 | €506,898 | ▼ 34.2% |
| Stocks and contracts in progress3 | €259,223 | €283,113 | €258,010 | €241,943 | €248,332 | ▲ 2.6% |
| Stocks30/36 | - | €283,113 | €258,010 | €241,943 | €248,332 | ▲ 2.6% |
| Amounts receivable within one year40/41 | €500,606 | €349,956 | €382,895 | €291,458 | €124,149 | ▼ 57.4% |
| Trade receivables40 | - | €332,621 | €345,373 | €237,196 | €119,451 | ▼ 49.6% |
| Other amounts receivable41 | - | €17,335 | €37,521 | €54,262 | €4,698 | ▼ 91.3% |
| Cash at bank and in hand54/58 | €207,690 | €282,534 | €128,572 | €230,178 | €128,211 | ▼ 44.3% |
| Deferred charges and accrued income490/1 | - | €9,531 | €12,136 | €7,164 | €6,207 | ▼ 13.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.1m | €913,491 | €866,074 | €575,594 | ▼ 33.5% |
| Equity10/15 | €280,880 | €335,877 | €436,434 | €198,958 | €140,931 | ▼ 29.2% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €260,880 | €315,877 | €416,434 | €178,958 | €120,931 | ▼ 32.4% |
| Distributable reserves133 | - | €315,877 | €416,434 | €178,958 | €120,931 | ▼ 32.4% |
| Provisions and deferred taxes16 | €50,500 | €71,565 | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | €71,565 | - | - | - | - |
| Other liabilities and charges164/5 | - | €71,565 | - | - | - | - |
| Amounts payable17/49 | €953,727 | €734,503 | €477,057 | €667,117 | €434,663 | ▼ 34.8% |
| Amounts payable after more than one year17 | €306,170 | €231,907 | €156,762 | €125,464 | €35,580 | ▼ 71.6% |
| Financial debts170/4 | - | €231,907 | €156,762 | €125,464 | €35,580 | ▼ 71.6% |
| Amounts payable within one year42/48 | €530,897 | €392,733 | €200,147 | €532,732 | €390,006 | ▼ 26.8% |
| Current portion of amounts payable after more than one year42 | - | €74,263 | €75,145 | €90,148 | €89,884 | ▼ 0.3% |
| Trade debts44 | €279,798 | €193,561 | €68,671 | €342,869 | €263,571 | ▼ 23.1% |
| Suppliers440/4 | - | €193,561 | €68,671 | €342,869 | €263,571 | ▼ 23.1% |
| Taxes, remuneration and social security45 | - | €22,231 | €2,731 | €5,351 | €6,920 | ▲ 29.3% |
| Taxes450/3 | - | €14,445 | - | €405 | €1,228 | ▲ 203% |
| Remuneration and social security454/9 | - | €7,786 | €2,731 | €4,947 | €5,692 | ▲ 15.1% |
| Other amounts payable47/48 | - | €102,678 | €53,601 | €94,363 | €29,631 | ▼ 68.6% |
| Accrued charges and deferred income492/3 | - | €109,864 | €120,148 | €8,921 | €9,077 | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55,469 | €54,997 | €125,557 | -€143,359 | -€58,027 | ▲ 59.5% |
| + Depreciation and write-downs630 | €97,908 | €107,208 | €93,322 | €95,409 | €31,022 | ▼ 67.5% |
| Operating cash flow (approximation) | €153,377 | €162,205 | €218,879 | -€47,950 | -€27,005 | ▲ 43.7% |
| Investment in fixed assets (approximation) | - | -€15,596 | -€8,388 | -€58,862 | -€4,386 | ▲ 92.5% |
| Change in cash | - | €74,844 | -€153,962 | €101,606 | -€101,967 | ▼ 200% |
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet -€143,359
Net result drops to -€143,359, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Oudsbergen · 1 establishment unit since 2019
Ground area
1,196 m²
Building footprint
238 m²
Volume, LiDAR
713 m³
Parcel 71562B0914/00B008, Flanders · tallest building 3.9 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JACOBS i3 bvba
since 20192.285.465.993
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71562B0914/00B008 | Flanders | 1,196 m² | 1 · 238 m² | 3.9 m · 1 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,755 EUR awarded · 1,849 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 378 EUR | 562 EUR |
| 2023 | 1 | 1,020 EUR | 930 EUR |
| 2022 | 1 | 357 EUR | 357 EUR |
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Of 2,453 companies in sector 41003 we hold annual accounts for 1,058. 746 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
Founded12-02-2019
Fiscal year end30-06
Abbreviation NL
i3
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0720653877
Registered
05-12-2025
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.