Checked.be
Active
BE 0464.439.760Private limited company (pre-2019)
JACOBS JAN
Heuvel 44 ·2580 Putte, Belgium· 27 yrs active
Sector: Plumbing work
(43221)
Conclusion
JACOBS JAN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €3k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €38k |
| Net result | €3k |
| Better than sector | 95% |
| Active | 27 yrs |
Financial profile
73
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
37
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 27 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.
Checked score
94
/ 100
Excellent
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.
Indicative credit limit
€4k
estimate, not credit advice
Score history
93
2022
86
2023
70
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 22.70 (≥ 1.5)
+10
Quick ratio
Quick ratio 22.70 (≥ 1.0)
+5
Leverage
Debt/equity 0.02 (< 1.0)
+10
Profitability
ROE 7%
+3
Interest coverage
Interest coverage 156.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 08-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~2.8%/year over 4 fiscal years, indicative, assuming unchanged policy.
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 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 98.0% | 47.4% | |
| Net result | €3k | €10k | |
| Equity | €38k | €60k | |
| Gross operating margin | €15k | €39k | |
| Total assets | €39k | €141k |
€15k
+309.9%
22-25
€3k
-
22-25
€14k
+344.7%
22-25
€39k
+8.5%
22-25
€38k
+8.0%
22-25
€17k
-38.1%
22-25
€165
+28.9%
22-25
€800
-50.0%
22-25
€775
+46.2%
22-25
€775
+46.2%
22-25
€7k
-
22-25
22.70
-56.5%
22-25
22.70
-56.5%
22-25
98.0%
-0.5%
22-25
0.02
+35.4%
22-25
7.4%
-
22-25
7.2%
-
22-25
156.16
+857.3%
22-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | +309.9% | -65.8% | -33.3% | - |
| Net profit | - | - | -81.1% | - |
| Cash flow | +344.7% | -65.8% | -27.2% | - |
| Staff costs | - | - | - | - |
| Income taxes | +28.9% | -81.2% | -69.9% | - |
| Dividends | - | - | -50.0% | - |
| Total assets | +8.5% | -26.7% | -15.8% | - |
| Equity | +8.0% | -13.4% | +0.1% | - |
| Debt | +46.2% | -93.4% | -53.0% | - |
| of which ≤ 1y | +46.2% | -93.4% | -20.9% | - |
| of which > 1y | - | - | - | - |
| Working capital | -38.1% | +13.6% | +7.8% | - |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 22.70 | 52.24 | 3.95 | 3.17 |
| Quick ratio | 22.70 | 52.24 | 3.95 | 3.17 |
| Working capital ratio | 43.4% | 76.1% | 49.1% | 38.4% |
| Solvency | 98.0% | 98.5% | 83.4% | 70.2% |
| Debt / equity | 0.02 | 0.02 | 0.20 | 0.42 |
| Long-term debt ratio | - | - | - | 0.17 |
| Interest coverage | 156.16 | 16.31 | 33.33 | 39.51 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 7.2% | -15.3% | 1.7% | 7.6% |
| ROE | 7.4% | -15.5% | 2.0% | 10.8% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €39k | €36k | €49k | €58k |
| Fixed assets | 21/28 | €21k | €8k | €17k | €25k |
| Tangible fixed assets | 22/27 | €21k | €8k | €17k | €25k |
| Financial fixed assets | 28 | €113 | €113 | €113 | €113 |
| Current assets | 29/58 | €18k | €28k | €32k | €32k |
| Amounts receivable within one year | 40/41 | €5k | €19k | €7k | €7k |
| Cash & bank | 54/58 | €12k | €9k | €25k | €25k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €39k | €36k | €49k | €58k |
| Equity | 10/15 | €38k | €35k | €41k | €41k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €22k | €22k | €22k | €22k |
| Accumulated profits (losses) | 14 | €-2k | €-5k | - | - |
| Amounts payable | 17/49 | €775 | €530 | €8k | €17k |
| Amounts payable after one year | 17 | - | - | - | €7k |
| Amounts payable within one year | 42/48 | €775 | €530 | €8k | €10k |
| Trade debts payable within one year | 44 | €268 | €530 | €294 | €814 |
| Income statement | |||||
| Gross operating margin | 9900 | €15k | €6k | €11k | €16k |
| Operating result | 9901 | €3k | €-5k | €2k | €7k |
| Financial income | 75 | €1 | €9 | €24 | €1 |
| Financial charges | 65 | €94 | €220 | €315 | €398 |
| Result before taxes | 9903 | €3k | €-5k | €2k | €7k |
| Income taxes | 67/77 | €165 | €128 | €680 | €2k |
| Net result for the period | 9904 | €3k | €-5k | €827 | €4k |
| Result to be appropriated | 9905 | €3k | €-5k | €827 | €4k |
Legal Structure
| NACE primary | Plumbing work(43221) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 23-10-1998 |
| Status | Active |
| Postal code | 2580 |
Establishment units
Heuvel 44, 2580 Putte
since 19982.089.352.779
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029D0038/00Y003 | Flanders | 1,516 m² | 1 · 197 m² | 8.1 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-5k ▼759%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 13current ratio 52.24
Current ratio from 3.95 to 52.24; short-term debt falls from €8k to €530.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Credit advice
Company registry (CBE)
Activities
Plumbing work4322145332Installation of electric heating, air conditioning, cooling and ventilation43222Roofing work4341045220
Names & trade names
| Legal nameNL | JACOBS JAN |
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