JACOBS TEAM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €683k and a net result of €176k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 3321 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
13 d early
2022
29 d late
2021
17 d early
2020
9 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€683k▲ 12.5%
2023 · €607k
2018: €469k
2019: €498k
2020: €539k
2021: €589k
2022: €588k
2023: €607k
2018 → 2024
Net result
€176k▲ 19.7%
2023 · €147k
2018: €131k
2019: €101k
2020: €119k
2021: €120k
2022: €102k
2023: €147k
2018 → 2024
Total assets
€813k▲ 2.9%
2023 · €790k
2018: €502k
2019: €601k
2020: €637k
2021: €703k
2022: €730k
2023: €790k
2018 → 2024
Solvency
84.1%▲ 7.2pp
2023 · 76.9%
2018: 93.3%
2019: 82.9%
2020: 84.6%
2021: 83.8%
2022: 80.6%
2023: 76.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€539k-€589k▲ 9.3%€588k▼ 0.1%€607k▲ 3.2%€683k▲ 12.5%
Operating result€173k-€158k▼ 8.9%€148k▼ 5.9%€203k▲ 37.1%€240k▲ 18.1%
Net result€119k-€120k▲ 0.3%€102k▼ 14.5%€147k▲ 43.4%€176k▲ 19.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 18% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €813k
Fixed assets
€335k▲ 17.3%
Current assets
€478k▼ 5.3%
Equity and liabilities €813k
Equity
€683k▲ 12.5%
Debt
€130k▼ 29.1%
The debt ratio falls from 23.1% to 15.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
84.1%▲
2023 · 76.9%
ROE
25.7%▲
2023 · 24.2%
ROA
21.6%▲
2023 · 18.6%
Debt
€130k▼
2023 · €183k
Debt ≤ 1 year
€130k▼
2023 · €183k
Income taxes
€78k▲
2023 · €66k
Staff costs
€194k▲
2023 · €176k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€790k€813k▲
Fixed assets21/28€286k€335k▲
Tangible fixed assets22/27€286k€335k▲
Land and buildings22€251k€219k▼
Plant, machinery and equipment23€14k€22k▲
Furniture and vehicles24€20k€89k▲
Other tangible fixed assets26€1k€5k▲
Current assets29/58€505k€478k▼
Amounts receivable within one year40/41€25k€25k▲
Other amounts receivable41€25k€25k▲
Current investments50/53€355k€100k▼
Cash at bank and in hand54/58€115k€348k▲
Deferred charges and accrued income490/1€10k€4k▼
Equity and liabilities
Total equity and liabilities10/49€790k€813k▲
Equity10/15€607k€683k▲
Contributions10/11€7k€7k=
Reserves13€598k€674k▲
Distributable reserves133€598k€674k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€183k€130k▼
Amounts payable within one year42/48€183k€130k▼
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Taxes, remuneration and social security45€44k€26k▼
Taxes450/3€25k€7k▼
Remuneration and social security454/9€19k€19k▼
Other amounts payable47/48€128k€100k▼
Income statement
Code20232024
Remuneration, social security and pensions62€176k€194k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€53k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€427k€489k▲
Operating profit (loss)9901€203k€240k▲
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€107€112▲
Recurring financial charges65€107€112▲
Profit (loss) for the period before taxes9903€212k€254k▲
Income taxes67/77€66k€78k▲
Profit (loss) for the period9904€147k€176k▲
Profit (loss) for the period to be appropriated9905€147k€176k▲
Appropriation of the result
Profit (loss) to be appropriated9906€148k€177k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€128k€100k▼
Transfer to equity691/2€147k€176k▲
To other reserves6921€147k€176k▲
Profit to be distributed694/7€128k€100k▼
Return on contributions (dividend)694€128k€100k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €176k ▲19.7%
Operating result €240k, net result €176k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Equity above €500kEq €539k ▲8.2%
3 profitable years in a row build equity to €539k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €101k ▼22.4%
Net result drops to €101k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Rijkevorsel · 2 establishment units since 2002
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoogstraatsesteenweg 222310 RijkevorselGround area
813 m²
Building footprint
350 m²
Volume, LiDAR
2,043 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JACOBS TEAM BVBA
since 20022.100.600.920
JACOBS TEAM BVBA
since 20092.187.761.259
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037H0544/00K004 | Flanders | 443 m² | 1 · 228 m² | 10.6 m · 2 fl. |
| 11049A0388/00W002 | Flanders | 370 m² | 1 · 122 m² | 10.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,427 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2001
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.