JACOBS STEFAN
ActiveSummary
JACOBS STEFAN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 76% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-2
Solvency96▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 3.87 in 2024; short-term debt: 28.6% and cash: 68.5% of total assets), and 28.6% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
71.4%
Return on assets
3.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €65k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
on the day
2023
28 d late
2022
28 d late
2021
30 d late
2020
30 d late
2019
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 4.5%
2024 · €62k
Total assets
€91k▲ 10.2%
2024 · €83k
Net result
€3k▼ 27.8%
2024 · €4k
Working capital
€64k▲ 8.7%
2024 · €59k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2k€6k▲ 247%€9k▲ 49.3%€7k▼ 22.6%€4k▼ 32.9%
Net result€95€4k▲ 4,529%€8k▲ 85.4%€4k▼ 52.0%€3k▼ 27.8%
Equity€63k▲ 0.2%€67k▲ 7.0%€58k▼ 13.3%€62k▲ 6.7%€65k▲ 4.5%
Total assets€87k▼ 3.0%€93k▲ 6.7%€89k▼ 4.5%€83k▼ 6.8%€91k▲ 10.2%
Debt€24k▼ 10.2%€26k▲ 5.8%€30k▲ 18.7%€20k▼ 32.7%€26k▲ 27.3%
Working capital€60k▲ 1.9%€63k▲ 4.3%€52k▼ 16.7%€59k▲ 12.1%€64k▲ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€1k ▼ 62.7%
Current assets
€90k ▲ 13.5%
Equity and liabilities €91k
Equity
€65k ▲ 4.5%
Debt
€26k ▲ 27.3%
Debt's share of the balance-sheet total rises from 24.7% to 28.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €9k
Cash flow
€5k▼
2024 · €6k
Current ratio
3.45▼
2024 · 3.87
Debt to equity
0.40▲
2024 · 0.33
ROE
4.3%▼
2024 · 6.3%
ROA
3.1%▼
2024 · 4.7%
Interest coverage
14.07▲
2024 · 9.00
Debt ≤ 1 year
€26k▲
2024 · €20k
Income taxes
€1k▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €2k | €2k | €2k | ▼ 5.0% |
| Other operating charges640/8 | €1k | €876 | €1k | €7k | €968 | ▼ 86.7% |
| Gross operating margin9900 | €8k | €12k | €12k | €16k | €8k | ▼ 52.8% |
| Operating profit (loss)9901 | €2k | €6k | €9k | €7k | €4k | ▼ 32.9% |
| Financial income75/76B | €24 | €81 | €2k | €20 | €29 | ▲ 41.1% |
| Recurring financial income75 | €24 | €81 | €104 | €20 | €29 | ▲ 41.1% |
| Non-recurring financial income76B | - | - | €2k | - | - | - |
| Financial charges65/66B | €2k | €1k | €1k | €1k | €476 | ▼ 61.8% |
| Recurring financial charges65 | €2k | €1k | €1k | €999 | €476 | ▼ 52.3% |
| Non-recurring financial charges66B | - | - | - | €248 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €95 | €4k | €9k | €5k | €4k | ▼ 25.9% |
| Income taxes67/77 | - | - | €1k | €1k | €1k | ▼ 20.8% |
| Profit (loss) for the period9904 | €95 | €4k | €8k | €4k | €3k | ▼ 27.8% |
| Profit (loss) for the period to be appropriated9905 | €95 | €4k | €8k | €4k | €3k | ▼ 27.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €87k | €93k | €89k | €83k | €91k | ▲ 10.2% |
| Fixed assets21/28 | €5k | €4k | €6k | €4k | €1k | ▼ 62.7% |
| Tangible fixed assets22/27 | €5k | €4k | €6k | €4k | €1k | ▼ 62.7% |
| Plant, machinery and equipment23 | €1k | €2k | €1k | €976 | €567 | ▼ 41.9% |
| Furniture and vehicles24 | - | €2k | €5k | €3k | €787 | ▼ 70.4% |
| Leasing and similar rights25 | €4k | - | - | - | - | - |
| Financial fixed assets28 | €25 | - | - | - | - | - |
| Current assets29/58 | €82k | €88k | €83k | €79k | €90k | ▲ 13.5% |
| Stocks and contracts in progress3 | €2k | €4k | €2k | - | - | - |
| Stocks30/36 | €2k | €4k | €2k | - | - | - |
| Amounts receivable within one year40/41 | €21k | €48k | €10k | €22k | €25k | ▲ 15.0% |
| Trade receivables40 | €11k | €42k | €6k | €16k | €19k | ▲ 19.1% |
| Other amounts receivable41 | €9k | €6k | €4k | €6k | €6k | ▲ 3.1% |
| Cash at bank and in hand54/58 | €58k | €35k | €69k | €55k | €62k | ▲ 12.8% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €2k | €2k | ▲ 16.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €87k | €93k | €89k | €83k | €91k | ▲ 10.2% |
| Equity10/15 | €63k | €67k | €58k | €62k | €65k | ▲ 4.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €56k | €59k | €49k | €53k | €56k | ▲ 5.4% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Distributable reserves133 | €54k | €59k | €49k | €53k | €56k | ▲ 5.4% |
| Profit (loss) carried forward14 | €1k | €3k | €3k | €3k | €3k | = |
| Amounts payable17/49 | €24k | €26k | €30k | €20k | €26k | ▲ 27.3% |
| Amounts payable after more than one year17 | €3k | - | - | - | - | - |
| Financial debts170/4 | €3k | - | - | - | - | - |
| Amounts payable within one year42/48 | €22k | €26k | €30k | €20k | €26k | ▲ 27.3% |
| Current portion of amounts payable after more than one year42 | €4k | €3k | - | - | - | - |
| Trade debts44 | €9k | €15k | €9k | €15k | €14k | ▼ 5.1% |
| Suppliers440/4 | €9k | €15k | €9k | €15k | €14k | ▼ 5.1% |
| Taxes, remuneration and social security45 | €4k | €4k | €2k | €2k | €2k | ▲ 0.8% |
| Remuneration and social security454/9 | €4k | €4k | €2k | €2k | €2k | ▲ 0.8% |
| Other amounts payable47/48 | €4k | €4k | €19k | €4k | €10k | ▲ 177% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95 | €4k | €8k | €4k | €3k | ▼ 27.8% |
| + Depreciation and write-downs630 | €5k | €5k | €2k | €2k | €2k | ▼ 5.0% |
| Operating cash flow (approximation) | €5k | €10k | €10k | €6k | €5k | ▼ 19.1% |
| Investment in fixed assets (approximation) | - | €-5k | €-3k | €0 | €0 | - |
| Change in cash | - | €-23k | €34k | €-14k | €7k | ▲ 152% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €95
Net result €95 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Hasselt · 1 establishment unit since 2000
Ground area
1,493 m²
Building footprint
408 m²
Volume, LiDAR
1,586 m³
Parcel 71322A0264/00F000, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kiewitstraat 240, 3500 Hasselt
since 20002.131.987.447
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0264/00F000 | Flanders | 1,493 m² | 1 · 408 m² | 8.4 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.
Similar companies · same sector, comparable size
ECOBAT.BE
BE 0749.733.685
Mettet · Eq €65,149
Algemene schrijnwerken Michiel Praet
BE 0766.937.725
Lede · Eq €65,223
I.T.M.
BE 0473.057.716
Wuustwezel · Eq €65,226
AGA INTERIEUR
BE 0694.977.581
Sint-Niklaas · Eq €65,089
DOUCHY METAALCONSTRUCTIE
BE 0822.853.671
Zonnebeke · Eq €65,077
Of 20,028 companies in sector 43320 we hold annual accounts for 9,133. 7,579 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
Founded16-10-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43341Painting of buildings
Scores and ratios are computed by Checked and are not a credit decision.