JACQUES FRANCOIS
ActiveSummary
The computed 12-month bankruptcy probability of JACQUES FRANCOIS is 1.9% (moderate). The 2025 annual accounts show negative equity (€-40k) and a net result of €-15k. Equity is shrinking by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 27786 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-82
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.24 against 0.25 in 2024; short-term debt: 316.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-216.4%
Return on assets
-81.4%
Age of the figures
12 mo
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
Sector 43
higher
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-40k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 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
31 d late
2024
47 d early
2023
5 d early
2022
2 d late
2021
17 d late
2020
on the day
2019
5 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-40k▼ 60.3%
2024 · €-25k
2018: €6k
2019: €1k
2020: €13k
2021: €-10k
2022: €-30k
2023: €-31k
2024: €-25k
2018 → 2025
Total assets
€19k▼ 13.7%
2024 · €22k
2018: €66k
2019: €61k
2020: €41k
2021: €41k
2022: €42k
2023: €25k
2024: €22k
2018 → 2025
Net result
€-15k
2024 · €6k
2018: €-3k
2019: €-5k
2020: €12k
2021: €-23k
2022: €-20k
2023: €-836
2024: €6k
2018 → 2025
Working capital
€-45k▼ 50.7%
2024 · €-30k
2018: €-13k
2019: €-15k
2020: €-3k
2021: €-25k
2022: €-28k
2023: €-38k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-30k▼ 195%€-31k▼ 2.8%€-25k▲ 19.0%€-40k▼ 60.3%
Operating result€-19k-€-16k▲ 13.7%€2k€11k▲ 442%€-10k
Net result€-23k-€-20k▲ 14.8%€-836▲ 95.8%€6k€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€5k ▼ 60.3%
Current assets
€14k ▲ 41.1%
Key figures and ratios
EBITDA
€-3k▼
2024 · €18k
Cash flow
€-8k▼
2024 · €13k
Solvency
-216.4%▼
2024 · -116.6%
Current ratio
0.24▼
2024 · 0.25
Debt to equity
-1.46▲
2024 · -1.86
ROA
-81.4%▼
2024 · 27.4%
Interest coverage
-0.52▼
2024 · 3.89
Debt
€59k▲
2024 · €47k
Debt ≤ 1 year
€59k▲
2024 · €40k
Income taxes
€177▲
2024 · €175
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€19k▼
Fixed assets21/28€12k€5k▼
Tangible fixed assets22/27€12k€5k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€564€0▼
Leasing and similar rights25€6k€94▼
Current assets29/58€10k€14k▲
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€10k€13k▲
Other amounts receivable41€66€1k▲
Deferred charges and accrued income490/1€154€153▼
Equity and liabilities
Total equity and liabilities10/49€22k€19k▼
Equity10/15€-25k€-40k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-31k€-47k▼
Amounts payable17/49€47k€59k▲
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€40k€59k▲
Current portion of amounts payable after more than one year42€7k€7k▼
Financial debts43€8k€9k▲
Credit institutions430/8€8k€9k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€12k€165▼
Taxes450/3€12k€165▼
Other amounts payable47/48€5k€38k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€19k€-922▼
Operating profit (loss)9901€11k€-10k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€6k€-15k▼
Income taxes67/77€175€177▲
Profit (loss) for the period9904€6k€-15k▼
Profit (loss) for the period to be appropriated9905€6k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-47k▼
Profit (loss) brought forward from the previous period14P€-37k€-31k▲
The notes to these accounts (4 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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
30-09
Financial
Weakest financial yearnet €-23k ▼299%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 35 days late
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Paliseul · 1 establishment unit since 2008
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.
Rue du Wez, Fays 16856 PaliseulGround area
979 m²
Building footprint
93 m²
Volume, LiDAR
850 m³
Parcel 84019C0316/00W000, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Wez, Fays 1, 6856 Paliseul
since 20082.174.371.695
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84019C0316/00W000 | Wallonia | 979 m² | 1 · 93 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
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.
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Of 4,271 companies in sector 43230 we hold annual accounts for 1,241. 777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-10-2008
Fiscal year end30-09
Activities, NACEBEL 2025
43230Insulation installation
43310Plastering work
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:061/53.52.05