Summary
JACRA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €635,427 and a net result of €9,036. Equity remains stable across the filed financial years (±1.5% per year). Its solvency ranks better than 94% of 251 sector peers (NACE 64, financial year 2026). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2026, micro format
Equity
€635,427▲ 1.4%
2025 · €626,391
Net result
€9,036▼ 4.0%
2025 · €9,416
Total assets
€645,573▲ 1.3%
2025 · €637,098
Solvency
98.4%▲ 0.1pp
2025 · 98.3%
Trend over the years
2022 to 2026, 5 financial years 2019 to 2026, 8 financial years
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 8% above 2025 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€11,237
2026
Net result€9,036
2026
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€645,573
2026
Equity€635,427
2026
Debt€10,146
2026
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€424,672
2026
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)1.4%
2026
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency98.4%
2026
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio49.77
2026
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20192020202120222023202420252026
Operating result€119,292-€128,278▲ 7.5%€59,114▼ 53.9%€6,119▼ 89.6%€3,909▼ 36.1%-€2,651€10,414€11,237▲ 7.9%
Net result€81,540-€87,921▲ 7.8%€41,672within the sector's middle half▼ 52.6%€7,194within the sector's middle half▼ 82.7%€3,803within the sector's middle half▼ 47.1%-€2,364below the sector's middle half€9,416within the sector's middle half€9,036▼ 4.0%
Equity€478,750-€566,671▲ 18.4%€608,343within the sector's middle half▲ 7.4%€615,537above the sector's middle half▲ 1.2%€619,339above the sector's middle half▲ 0.6%€616,975above the sector's middle half▼ 0.4%€626,391above the sector's middle half▲ 1.5%€635,427▲ 1.4%
Total assets€578,641-€636,240▲ 10.0%€636,511within the sector's middle half=€642,212within the sector's middle half▲ 0.9%€628,584within the sector's middle half▼ 2.1%€626,009within the sector's middle half▼ 0.4%€637,098within the sector's middle half▲ 1.8%€645,573▲ 1.3%
Debt€99,891-€69,569▼ 30.4%€28,168▼ 59.5%€26,675▼ 5.3%€9,244▼ 65.3%€9,033▼ 2.3%€10,707▲ 18.5%€10,146▼ 5.2%
Working capital€135,495-€244,499▲ 80.4%€307,321above the sector's middle half▲ 25.7%€350,636above the sector's middle half▲ 14.1%€390,880above the sector's middle half▲ 11.5%€425,284above the sector's middle half▲ 8.8%€394,893above the sector's middle half▼ 7.1%€424,672▲ 7.5%
Solvency82.7%-89.1%▲ 6.3pp95.6%above the sector's middle half▲ 6.5pp95.8%above the sector's middle half▲ 0.3pp98.5%above the sector's middle half▲ 2.7pp98.6%above the sector's middle half=98.3%above the sector's middle half▼ 0.2pp98.4%▲ 0.1pp
Current ratio2.77-4.62▲ 1.8512.49above the sector's middle half▲ 7.8714.90above the sector's middle half▲ 2.4253.62above the sector's middle half▲ 38.7179.74above the sector's middle half▲ 26.1346.07above the sector's middle half▼ 33.6749.77▲ 3.70
Return on assets (ROA)14.1%-13.8%▼ 0.3pp6.5%within the sector's middle half▼ 7.3pp1.1%below the sector's middle half▼ 5.4pp0.6%below the sector's middle half▼ 0.5pp-0.4%below the sector's middle half▼ 1.0pp1.5%below the sector's middle half▲ 1.9pp1.4%▼ 0.1pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €645,573
Fixed assets
€212,194 ▼ 9.1%
Current assets
€433,379 ▲ 7.4%
Equity and liabilities €645,573
Equity
€635,427 ▲ 1.4%
Debt
€10,146 ▼ 5.2%
Debt's share of the balance-sheet total falls from 1.7% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.4%▼
2025 · 1.5%
Debt ≤ 1 year
€8,707▼
2025 · €8,762
Income taxes
€3,717▲
2025 · €2,707
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,154 | €46,178 | €35,347 | €36,081 | €36,082 | €34,950 | €38,177 | €25,844 | ▼ 32.3% |
| Other operating charges640/8 | - | - | - | €2,271 | €2,357 | €2,546 | €2,074 | €2,090 | ▲ 0.8% |
| Gross operating margin9900 | €168,607 | €177,042 | €96,730 | €44,471 | €42,348 | €34,846 | €50,665 | €39,171 | ▼ 22.7% |
| Operating profit (loss)9901 | €119,292 | €128,278 | €59,114 | €6,119 | €3,909 | -€2,651 | €10,414 | €11,237 | ▲ 7.9% |
| Financial income75/76B | - | - | - | €5,250 | €2,202 | €1,961 | €1,998 | €1,848 | ▼ 7.5% |
| Recurring financial income75 | €173 | €0 | - | €5,250 | €2,202 | €1,961 | €1,998 | €1,848 | ▼ 7.5% |
| Financial charges65/66B | - | - | - | €945 | €282 | €282 | €289 | €332 | ▲ 15.0% |
| Recurring financial charges65 | €3,213 | €2,198 | €1,314 | €945 | €282 | €282 | €289 | €332 | ▲ 15.0% |
| Profit (loss) for the period before taxes9903 | €116,251 | €126,080 | €57,801 | €10,424 | €5,829 | -€971 | €12,123 | €12,753 | ▲ 5.2% |
| Income taxes67/77 | €34,712 | €38,159 | €16,128 | €3,230 | €2,026 | €1,393 | €2,707 | €3,717 | ▲ 37.3% |
| Profit (loss) for the period9904 | €81,540 | €87,921 | €41,672 | €7,194 | €3,803 | -€2,364 | €9,416 | €9,036 | ▼ 4.0% |
| Profit (loss) for the period to be appropriated9905 | €81,540 | €87,921 | €41,672 | €7,194 | €3,803 | -€2,364 | €9,416 | €9,036 | ▼ 4.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €578,641 | €636,240 | €636,511 | €642,212 | €628,584 | €626,009 | €637,098 | €645,573 | ▲ 1.3% |
| Fixed assets21/28 | €366,709 | €324,162 | €302,437 | €266,356 | €230,274 | €195,324 | €233,443 | €212,194 | ▼ 9.1% |
| Tangible fixed assets22/27 | €366,709 | €324,162 | €302,437 | €266,356 | €230,274 | €195,324 | €233,443 | €212,194 | ▼ 9.1% |
| Land and buildings22 | - | - | - | €238,499 | €212,342 | €186,185 | €162,748 | €158,120 | ▼ 2.8% |
| Plant, machinery and equipment23 | - | - | - | €27,742 | €17,932 | €9,139 | €7,777 | €6,414 | ▼ 17.5% |
| Furniture and vehicles24 | - | - | - | €114 | €0 | - | €62,918 | €47,659 | ▼ 24.3% |
| Financial fixed assets28 | - | - | - | - | €0 | - | - | - | - |
| Current assets29/58 | €211,932 | €312,078 | €334,074 | €375,856 | €398,309 | €430,685 | €403,655 | €433,379 | ▲ 7.4% |
| Amounts receivable after more than one year29 | - | - | - | €220,000 | €192,500 | €165,000 | €137,500 | €110,000 | ▼ 20.0% |
| Other amounts receivable291 | - | - | - | €220,000 | €192,500 | €165,000 | €137,500 | €110,000 | ▼ 20.0% |
| Amounts receivable within one year40/41 | €45,140 | €16,672 | €6,655 | €7,425 | €7,628 | €13,670 | €13,484 | €16,520 | ▲ 22.5% |
| Trade receivables40 | - | - | - | €6,655 | €6,655 | €6,657 | €6,655 | €6,655 | = |
| Other amounts receivable41 | - | - | - | €770 | €973 | €7,013 | €6,829 | €9,865 | ▲ 44.5% |
| Cash at bank and in hand54/58 | €166,532 | €20,303 | €79,892 | €141,579 | €195,482 | €245,000 | €249,513 | €302,057 | ▲ 21.1% |
| Deferred charges and accrued income490/1 | - | - | - | €6,853 | €2,700 | €7,015 | €3,158 | €4,802 | ▲ 52.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €578,641 | €636,240 | €636,511 | €642,212 | €628,584 | €626,009 | €637,098 | €645,573 | ▲ 1.3% |
| Equity10/15 | €478,750 | €566,671 | €608,343 | €615,537 | €619,339 | €616,975 | €626,391 | €635,427 | ▲ 1.4% |
| Contributions10/11 | €275,000 | €275,000 | - | €275,000 | €275,000 | €275,000 | €275,000 | €275,000 | = |
| Reserves13 | €203,750 | €291,671 | €333,343 | €340,537 | €344,339 | €344,339 | €351,391 | €360,427 | ▲ 2.6% |
| Non-distributable reserves130/1 | - | - | - | €27,500 | €27,500 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €27,500 | €27,500 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €313,037 | €316,839 | €344,339 | €351,391 | €360,427 | ▲ 2.6% |
| Profit (loss) carried forward14 | - | - | - | - | - | -€2,364 | €0 | - | - |
| Amounts payable17/49 | €99,891 | €69,569 | €28,168 | €26,675 | €9,244 | €9,033 | €10,707 | €10,146 | ▼ 5.2% |
| Amounts payable after more than one year17 | €23,454 | - | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €76,436 | €67,580 | €26,753 | €25,220 | €7,429 | €5,401 | €8,762 | €8,707 | ▼ 0.6% |
| Trade debts44 | €608 | €1,180 | €1,048 | €3,822 | €1,712 | €0 | €1,643 | €2,125 | ▲ 29.4% |
| Suppliers440/4 | - | - | - | €3,822 | €1,712 | €0 | €1,643 | €2,125 | ▲ 29.4% |
| Taxes, remuneration and social security45 | - | - | - | €4,237 | €1,273 | €1,287 | €3,001 | €3,032 | ▲ 1.0% |
| Taxes450/3 | - | - | - | €1,941 | €1,273 | €1,287 | €3,001 | €3,032 | ▲ 1.0% |
| Remuneration and social security454/9 | - | - | - | €2,296 | €0 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €17,161 | €4,444 | €4,113 | €4,118 | €3,551 | ▼ 13.8% |
| Accrued charges and deferred income492/3 | - | - | - | €1,455 | €1,815 | €3,632 | €1,945 | €1,439 | ▼ 26.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €81,540 | €87,921 | €41,672 | €7,194 | €3,803 | -€2,364 | €9,416 | €9,036 | ▼ 4.0% |
| + Depreciation and write-downs630 | €47,154 | €46,178 | €35,347 | €36,081 | €36,082 | €34,950 | €38,177 | €25,844 | ▼ 32.3% |
| Operating cash flow (approximation) | €128,693 | €134,099 | €77,019 | €43,275 | €39,884 | €32,586 | €47,593 | €34,880 | ▼ 26.7% |
| Investment in fixed assets (approximation) | - | -€3,630 | -€13,623 | €0 | €0 | €0 | -€76,296 | -€4,595 | ▲ 94.0% |
| Change in cash | - | -€146,229 | €59,589 | €61,687 | €53,903 | €49,518 | €4,513 | €52,544 | ▲ 1,064% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-03-2026 | micro format | 19-10-2026 | 2026-00563201 |
| 31-03-2025 | micro format | 08-10-2025 | 2025-00536124 |
| 31-03-2024 | micro format | 14-10-2024 | 2024-00506186 |
| 31-03-2023 | micro format | 09-10-2023 | 2023-00480567 |
| 31-03-2022 | micro format | 03-10-2022 | 2022-20447547 |
| 31-03-2021 | abbreviated format | 25-10-2021 | 2021-73000519 |
| 31-03-2020 | abbreviated format | 20-10-2020 | 2020-62600480 |
| 31-03-2019 | abbreviated format | 23-09-2019 | 2019-65400144 |
| 31-03-2018 | abbreviated format | 27-09-2018 | 2018-66600347 |
| 31-03-2017 | abbreviated format | 25-09-2017 | 2017-62500410 |
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Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.