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JACQUES EXPLOITATIONS

Active
Private limited companyfounded 1968active for 58 yearsRue Gabriel Sellière(LOM) 50, 6463 Chimay, BelgiumKBO/BCE: BE 0402.551.087
Summary

JACQUES EXPLOITATIONS has been active since 1968 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,513 and a net result of -€264. Equity is shrinking by about 8.1% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.5% (very low).

Overview

Activity
Activity not known1 site
Size
€272,202total assets 2025
Equity
€70,513
Loss
-€264
Financial health
80 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Parent
CARRIERE DE LAHONRY - SA
Accounts 46 days early0 of 1 deed read
Why 80raises risk2 of the last 3 lateLiquiditeit niet neergelegdlowers riskSize: total assets €272,202Founded in 1968Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 29% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Weak
Solvency 51=
equity 25.9% of total assets
Liquidity 20=
short-term debt 74.1%
Profitability 37+1
return on assets -0.1%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.5% 12-2024: 1.5%● unchanged vs 11-2024 01-2025: 1.5%● unchanged vs 12-2024 02-2025: 1.5%● unchanged vs 01-2025 03-2025: 1.5%● unchanged vs 02-2025 04-2025: 1.5%● unchanged vs 03-2025 05-2025: 1.4%▼ -0.1 percentage points vs 04-2025 06-2025: 1.6%▲ +0.2 percentage points vs 05-2025 07-2025: 1.7%▲ +0.1 percentage points vs 06-2025 08-2025: 2.1%▲ +0.4 percentage points vs 07-2025 09-2025: 2.2%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 0.6%▼ -1.6 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.5%▼ -0.1 percentage points vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.6%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.5%● unchanged vs 07-2026lowest value 09-2026: 0.5%● unchanged vs 08-2026lowest value 10-2026: 0.5%● unchanged vs 09-2026lowest value
Credit of up to €5,000 on 30-day terms is acceptable
short-term debt: 74.1% of total assets, and 74.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 31% on solvency, 12% on liquidity, 28% on profitability and 44% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €272,202
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1968
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 2 of the last 3 late
NBB · filings
raises risk · Liquiditeit niet neergelegd
NBB · annual accounts
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 days early
2024
56 days late
2023
62 days late
2022
31 days early
2021
39 days late
2020
37 days late
2019
43 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 23 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 September (4 of the last 5 filed years within 70 days of that day).
Companies Code · seven months
Where today falls in the filing period
23-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Financials · financial year 2025, micro format

Turnover
€78,606
EBIT margin
86.9%
Net result
-€264▲ 80.7%
2024 · -€1,366
Working capital
-€200,059
2022 · €19,842
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result stays negative: a loss of €614 in 2025 against €722 in 2024; the loss shrinks.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€614 2025 Net result-€264 2025

Use the arrow keys on the chart for the figures per year.

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Turnover€78,606
Operating result-€1,387-€68,286-€573-€13,306▼ 2,222%-€400▲ 97.0%-€31,431▼ 7,758%-€722▲ 97.7%-€614▲ 15.0%
Net result-€1,633-€68,148-€774-€13,599▼ 1,657%-€424▲ 96.9%-€31,761▼ 7,391%-€1,366▲ 95.7%-€264▲ 80.7%
EBIT margin86.9%
Equity€50,553-€118,701▲ 135%€117,927▼ 0.7%€104,328▼ 11.5%€103,904▼ 0.4%€72,143▼ 30.6%€70,777▼ 1.9%€70,513▼ 0.4%
Total assets€60,377-€118,701▲ 96.6%€118,274▼ 0.4%€104,868▼ 11.3%€104,599▼ 0.3%€272,428▲ 160%€272,202▼ 0.1%€272,202=
Debt€9,824-€347€540▲ 55.6%€695▲ 28.7%€200,285▲ 28,718%€201,425▲ 0.6%€201,689▲ 0.1%
Working capital€4,118-€72,192€20,459▼ 71.7%€19,842▼ 3.0%-€200,059
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €272,202
Equity €70,513 ▼ 0.4%
Debt €201,689 ▲ 0.1%
Debt's share of the balance-sheet total rises from 74.0% to 74.1%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Debt to equity
2.86▲
2024 · 2.85
ROE
-0.4%▲
2024 · -1.9%
ROA
-0.1%▲
2024 · -0.5%
Debt ≤ 1 year
€201,689▲
2024 · €201,425
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,450 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 93.3% are still going.

  • Micro
  • 20 years or older
  • solvency 10 to 30%
  • a small loss
1.5% went bankrupt
5.0% stopped otherwise
93.3% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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 74.5% 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 2,450 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet Code20242025
Assets
Total assets20/58€272,202€272,202=
Fixed assets21/28€272,202€272,202=
Tangible fixed assets22/27€272,202€272,202=
Land and buildings22€272,202€272,202=
Equity and liabilities
Total equity and liabilities10/49€272,202€272,202=
Equity10/15€70,777€70,513▼
Contributions10/11€18,600€18,600=
Reserves13€53,437€53,437=
Distributable reserves133€53,437€53,437=
Profit (loss) carried forward14-€1,260-€1,524▼
Amounts payable17/49€201,425€201,689▲
Amounts payable within one year42/48€201,425€201,689▲
Financial debts43€418-
Credit institutions430/8€418-
Trade debts44€786-
Suppliers440/4€786-
Taxes, remuneration and social security45€772€400▼
Taxes450/3€772€400▼
Other amounts payable47/48€199,449€201,289▲
Income statement Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900-€335-€214▲
Operating profit (loss)9901-€722-€614▲
Financial income75/76B-€427
Recurring financial income75-€427
Financial charges65/66B€644€77▼
Recurring financial charges65€644€77▼
Profit (loss) for the period before taxes9903-€1,366-€264▲
Profit (loss) for the period9904-€1,366-€264▲
Profit (loss) for the period to be appropriated9905-€1,366-€264▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,260-€1,524▼
Profit (loss) brought forward from the previous period14P€106-€1,260▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Turnover70-€78,606-------
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630---€9,714-€29,574---
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4----€1,322-€4,930----
Other operating charges640/8---€2,914€6,313€474€387€400▲ 3.4%
Gross operating margin9900-€53€76,707--€2,000€983-€1,383-€335-€214▲ 36.1%
Operating profit (loss)9901-€1,387€68,286-€573-€13,306-€400-€31,431-€722-€614▲ 15.0%
Financial income75/76B-------€427-
Recurring financial income75-------€427-
Financial charges65/66B---€293€24€330€644€77▼ 88.0%
Recurring financial charges65€246€138€201€293€24€330€644€77▼ 88.0%
Profit (loss) for the period before taxes9903-€1,633€68,148-€774-€13,599-€424-€31,761-€1,366-€264▲ 80.7%
Profit (loss) for the period9904-€1,633€68,148-€774-€13,599-€424-€31,761-€1,366-€264▲ 80.7%
Profit (loss) for the period to be appropriated9905-€1,633€68,148-€774-€13,599-€424-€31,761-€1,366-€264▲ 80.7%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€60,377€118,701€118,274€104,868€104,599€272,428€272,202€272,202=
Fixed assets21/28€46,435€45,735€45,735€84,062€84,062€272,202€272,202€272,202=
Tangible fixed assets22/27€46,435€45,735€45,735€84,062€84,062€272,202€272,202€272,202=
Land and buildings22---€84,062€84,062€272,202€272,202€272,202=
Current assets29/58€13,942€72,966€72,539€20,806€20,537€226---
Amounts receivable within one year40/41€13,230€72,392€72,166€20,726€20,481----
Trade receivables40---€1,035-----
Other amounts receivable41---€19,691€20,481----
Cash at bank and in hand54/58€712€574€373€80€56€226---
Equity and liabilities
Total equity and liabilities10/49€60,377€118,701€118,274€104,868€104,599€272,428€272,202€272,202=
Equity10/15€50,553€118,701€117,927€104,328€103,904€72,143€70,777€70,513▼ 0.4%
Contributions10/11€18,600€18,600-€18,600€18,600€18,600€18,600€18,600=
Reserves13€95,875€95,875€95,875€95,875€95,875€53,437€53,437€53,437=
Non-distributable reserves130/1---€7,437€7,437----
Reserves not available under the articles1311---€7,437€7,437----
Distributable reserves133---€88,438€88,438€53,437€53,437€53,437=
Profit (loss) carried forward14-€63,922€4,226€3,452-€10,147-€10,571€106-€1,260-€1,524▼ 21.0%
Amounts payable17/49€9,824-€347€540€695€200,285€201,425€201,689▲ 0.1%
Amounts payable within one year42/48€9,824-€347€347€695€200,285€201,425€201,689▲ 0.1%
Financial debts43------€418--
Credit institutions430/8------€418--
Trade debts44€9,824-----€786--
Suppliers440/4------€786--
Taxes, remuneration and social security45---€347€695€1,079€772€400▼ 48.2%
Taxes450/3---€347€695€1,079€772€400▼ 48.2%
Other amounts payable47/48-----€199,206€199,449€201,289▲ 0.9%
Accrued charges and deferred income492/3---€193-----
Line20182019202020212022202320242025Change
Profit (loss) for the period9904-€1,633€68,148-€774-€13,599-€424-€31,761-€1,366-€264▲ 80.7%
+ Depreciation and write-downs630---€9,714-€29,574---
Operating cash flow (approximation)-€1,633€68,148-€774-€3,885-€424-€2,187-€1,366-€264▲ 80.7%
Investment in fixed assets (approximation)-€700€0-€48,041€0-€217,714€0€0-
Change in cash--€138-€201-€293-€24€170---

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 48 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 micro format 15-06-2026 2026-00161653
31-12-2024 micro format 25-09-2025 2025-00503382
31-12-2023 micro format 01-10-2024 2024-00493889
31-12-2022 full format 30-06-2023 2023-00204198
31-12-2021 full format 08-09-2022 2022-20425843
31-12-2020 full format 06-09-2021 2021-66300054
31-12-2019 full format 12-09-2020 2020-52800517
31-12-2018 full format 29-08-2019 2019-54500401
31-12-2017 micro format 21-08-2018 2018-48000248
31-12-2016 micro format 31-08-2017 2017-56100243

Show all 48 filings

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

1 owner

Chain of control

  1. CARRIERE DE LAHONRY - SA consolidates
  2. JACQUES EXPLOITATIONS

Highest known parent: CARRIERE DE LAHONRY - SA. The sources do not say who stands above it.

Owners 1

Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Group and network

Connections & network

Depth

The network starts from this company’s shareholders. What else they own or run appears here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 1 January 1968, JACQUES EXPLOITATIONS was incorporated.1 Total assets went from €60,377 in 2018 to €272,202 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
15-06
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
25-09
NBB filing Annual accounts filed
financial year 2024 · micro format · 56 days late
2024
01-10
NBB filing Annual accounts filed
financial year 2023 · micro format · 62 days late
2023
31-12
Financial Weakest financial yearnet -€31,761
Net result drops to -€31,761, the lowest in the series; recovery starts the following year.
30-06
NBB filing Annual accounts filed
financial year 2022 · full format
2022
08-09
NBB filing Annual accounts filed
financial year 2021 · full format · 39 days late
2021
06-09
NBB filing Annual accounts filed
financial year 2020 · full format · 37 days late
2020
12-09
NBB filing Annual accounts filed
financial year 2019 · full format · 43 days late
2019
31-12
Financial Back to profitnet €68,148
Net result €68,148 after one loss-making year.
31-12
Financial Equity above €100,000equity €118,701 ▲135%
Equity rises from €50,553 to €118,701.
29-08
NBB filing Annual accounts filed
financial year 2018 · full format · 29 days late
2018
21-08
NBB filing Annual accounts filed
financial year 2017 · micro format · 21 days late
2017
31-08
NBB filing Annual accounts filed
financial year 2016 · micro format · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 48 annual accounts filed, the latest 10 are here; all 48 are under Financials.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not 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.

Register details

Identification
Legal formPrivate limited company
Founded01-01-1968
Financial year end31-12
E-invoicing
Not found in the Peppol Directory

No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if you send it electronically, you need their agreement on a secure channel. The invoice remains valid; it is the customer, not you, who risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 23 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Chimay · 1 establishment unit since 1956
registered office establishment The establishment unit on the map
Ground area
949 m²
Building footprint
294 m²
Building volume
628 m³
2 parcels, Wallonia · tallest building 9.5 m. Linked by address, not a title deed.
1 establishment unit
Rue de Regniessart 33, 5660 Couvin
Agents in the wholesale of timber and building materials
since 1956unit no. 2.006.179.734
2 parcels
Wallonia 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
93014C0499/00L010 Wallonia 897 m² 1 · 126 m² -
56045A0099/00F000 Wallonia 52 m² 1 · 167 m² 9.5 m · 1
How the parcels are linked
Good to know
Both parcels match the address exactly.