JACOBY
ActiveJACOBY has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €3k. Equity remains stable across the filed fiscal years (±2% per year). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-23
Solvency100▲+2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 2.14 in 2024; short-term debt: 21.3% and cash: 7.3% of total assets), and 24.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
75.3%
Return on assets
6.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
27 d early
2023
55 d early
2022
61 d early
2021
33 d early
2020
49 d early
2019
68 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▼ 78.0%
2024 · €14k
2018: €8k
2019: €-7k
2020: €-8k
2021: €-7k
2022: €3k
2023: €21k
2024: €14k
2018 → 2025
Working capital
€2k▼ 84.7%
2024 · €14k
2018: €18k
2019: €6k
2020: €5k
2021: €4k
2022: €6k
2023: €6k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€11k▲ 8.1%€27k▲ 144%€37k▲ 36.2%€35k▼ 4.9%
Operating result€-7k-€3k€21k▲ 584%€19k▼ 11.7%€5k▼ 74.1%
Net result€-7k-€3k€21k▲ 645%€14k▼ 31.9%€3k▼ 78.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€35k▲ 37.9%
Current assets
€12k▼ 53.0%
Equity and liabilities €47k
Equity
€35k▼ 4.9%
Debt
€12k▼ 16.0%
The debt ratio falls from 27.1% to 24.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €25k
Cash flow
€13k▼
2024 · €21k
Solvency
75.3%▲
2024 · 72.9%
Current ratio
1.21▼
2024 · 2.14
Quick ratio
1.13▼
2024 · 2.07
Debt / equity
0.33▼
2024 · 0.37
ROE
9.0%▼
2024 · 38.6%
ROA
6.7%▼
2024 · 28.2%
Interest coverage
95.84▼
2024 · 171.09
Debt
€12k▼
2024 · €14k
Debt ≤ 1 year
€10k▼
2024 · €12k
Income taxes
€2k▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€51k€47k▼
Fixed assets21/28€25k€35k▲
Intangible fixed assets21-€0
Tangible fixed assets22/27€25k€35k▲
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€16k€28k▲
Current assets29/58€26k€12k▼
Stocks and contracts in progress3€855€819▼
Stocks30/36€855€819▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€265-
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€20k€3k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€51k€47k▼
Equity10/15€37k€35k▼
Contributions10/11€9k€9k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€26k€24k▼
Amounts payable17/49€14k€12k▼
Amounts payable within one year42/48€12k€10k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€603€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€10k▲
Other operating charges640/8€421€638▲
Gross operating margin9900€26k€15k▼
Operating profit (loss)9901€19k€5k▼
Financial income75/76B€0€10▲
Recurring financial income75€0€10▲
Financial charges65/66B€147€151▲
Recurring financial charges65€147€151▲
Profit (loss) for the period before taxes9903€19k€5k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€14k€3k▼
Profit (loss) for the period to be appropriated9905€14k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€29k▼
Profit (loss) brought forward from the previous period14P€16k€26k▲
Profit to be distributed694/7€5k€5k▲
Return on contributions (dividend)694€5k€5k▲
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
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Highest result since 2018net €21k ▲645%
Operating result €21k, net result €21k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
12-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 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.
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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, Eupen · 1 establishment unit since 1991
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.
Heggenstrasse 64700 Eupen1 establishment unit
Heggenstrasse 6, 4700 Eupen
since 19912.050.899.803
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MASTER CLEANING
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Of 471 companies in sector 46442 we hold annual accounts for 334. 172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-1990
Fiscal year end31-12
Activities, NACEBEL
46442Wholesale trade
51442
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43990Other specialised construction activities
43999Specialised construction activities
45250
45441
47530Retail trade
52486
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.