Skip to content

Jacu

Active
Public limited companyfounded 199233 yrs activeBeukenlei 2, 2960 Brecht, BelgiumKBO/BCE: BE 0448.985.482
Summary

Jacu has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,067 and a net result of €13,666. Equity is shrinking by ~4.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability76=
Solvency65▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.61 in 2024; short-term debt: 15% and cash: 1.3% of total assets), and 60.1% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 33 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
39.9%
Return on assets
6.2%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €88,067
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
52 d early
2024
49 d early
2023
56 d early
2022
61 d early
2021
32 d early
2020
58 d early
2019
29 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 48 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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 months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 21 December 1992, Jacu was incorporated.1 Total assets went from EUR 211,692 in 2018 to EUR 220,717 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€88,067▲ 18.4%
2024 · €74,401
Total assets
€220,717▲ 8.4%
2024 · €203,649
Net result
€13,666▲ 15.0%
2024 · €11,882
Working capital
-€23,570▼ 193%
2024 · -€8,041
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€2,275▲ 86.8%-€17,227▼ 657%-€5,826▲ 66.2%€15,554€18,874▲ 21.4%
Net result-€10,522▲ 47.3%-€21,513▼ 104%-€10,413▲ 51.6%€11,882€13,666▲ 15.0%
Equity€94,446▼ 10.0%€72,933▼ 22.8%€62,520▼ 14.3%€74,401▲ 19.0%€88,067▲ 18.4%
Total assets€289,583▲ 62.1%€231,068▼ 20.2%€212,073▼ 8.2%€203,649▼ 4.0%€220,717▲ 8.4%
Debt€195,138▲ 165%€158,135▼ 19.0%€149,553▼ 5.4%€129,248▼ 13.6%€132,650▲ 2.6%
Working capital€28,897▲ 1.7%€266▼ 99.1%-€6,492-€8,041▼ 23.9%-€23,570▼ 193%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0€20,000Operating result 2021: -€2,275-€2,275Net result 2021: -€10,522-€10,522Operating result 2022: -€17,227-€17,227Net result 2022: -€21,513-€21,513Operating result 2023: -€5,826-€5,826Net result 2023: -€10,413-€10,413Operating result 2024: €15,554€15,554Net result 2024: €11,882€11,882Operating result 2025: €18,874€18,874Net result 2025: €13,666€13,66620212022202320242025-€20,000-€10,000€0€10,000€20,000Operating result 2023: -€5,826-€5,830Net result 2023: -€10,413-€10,400Operating result 2024: €15,554€15,600Net result 2024: €11,882€11,900Operating result 2025: €18,874€18,900Net result 2025: €13,666€13,700202320242025
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220,717
Fixed assets €211,209 ▲ 10.4%
Current assets €9,508 ▼ 23.1%
Equity and liabilities €220,717
Equity €88,067 ▲ 18.4%
Debt €132,650 ▲ 2.6%
Debt's share of the balance-sheet total falls from 63.5% to 60.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€29,670▲
2024 · €25,767
Cash flow
€24,462▲
2024 · €22,095
Current ratio
0.29▼
2024 · 0.61
Debt to equity
1.51▼
2024 · 1.74
ROE
15.5%▼
2024 · 16.0%
ROA
6.2%▲
2024 · 5.8%
Interest coverage
8.80▲
2024 · 6.98
Debt ≤ 1 year
€33,079▲
2024 · €20,403
Debt > 1 year
€98,771▼
2024 · €108,845
Income taxes
€1,851
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.4% went bankrupt
5.9% stopped otherwise
93% 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 0.6% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 31,349 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 · 45 lines
Balance sheet Code20242025
Assets
Total assets20/58€203,649€220,717▲
Fixed assets21/28€191,287€211,209▲
Tangible fixed assets22/27€191,287€211,209▲
Land and buildings22€190,852€202,685▲
Plant, machinery and equipment23€435€8,524▲
Current assets29/58€12,362€9,508▼
Amounts receivable within one year40/41€11,411€6,263▼
Trade receivables40€2,106€2,106=
Other amounts receivable41€9,305€4,157▼
Cash at bank and in hand54/58€528€2,798▲
Deferred charges and accrued income490/1€422€448▲
Equity and liabilities
Total equity and liabilities10/49€203,649€220,717▲
Equity10/15€74,401€88,067▲
Contributions10/11€61,500€61,500=
Capital10€61,500€61,500=
Issued capital100€61,500€61,500=
Reserves13€6,150€6,150=
Non-distributable reserves130/1€6,150€6,150=
Legal reserve130€6,150€6,150=
Profit (loss) carried forward14€6,751€20,417▲
Amounts payable17/49€129,248€132,650▲
Amounts payable after more than one year17€108,845€98,771▼
Financial debts170/4€108,845€98,771▼
Amounts payable within one year42/48€20,403€33,079▲
Current portion of amounts payable after more than one year42€19,747€15,073▼
Financial debts43€656-
Credit institutions430/8€656-
Trade debts44-€1,251
Suppliers440/4-€1,251
Other amounts payable47/48-€16,755
Accrued charges and deferred income492/3-€800
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,214€10,796▲
Other operating charges640/8€3,156€2,574▼
Gross operating margin9900€28,923€32,244▲
Operating profit (loss)9901€15,554€18,874▲
Financial income75/76B€18€16▼
Recurring financial income75€18€16▼
Financial charges65/66B€3,690€3,373▼
Recurring financial charges65€3,690€3,373▼
Profit (loss) for the period before taxes9903€11,882€15,517▲
Income taxes67/77-€1,851
Profit (loss) for the period9904€11,882€13,666▲
Profit (loss) for the period to be appropriated9905€11,882€13,666▲
Appropriation of the result
Profit (loss) to be appropriated9906€6,751€20,417▲
Profit (loss) brought forward from the previous period14P-€5,130€6,751▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,023€23,468€18,083€10,214€10,796▲ 5.7%
Other operating charges640/8-€1,859€2,382€3,156€2,574▼ 18.4%
Gross operating margin9900€19,260€8,100€14,639€28,923€32,244▲ 11.5%
Operating profit (loss)9901-€2,275-€17,227-€5,826€15,554€18,874▲ 21.4%
Financial income75/76B-€1€2€18€16▼ 13.5%
Recurring financial income75€159€1€2€18€16▼ 13.5%
Financial charges65/66B-€4,287€4,014€3,690€3,373▼ 8.6%
Recurring financial charges65€8,128€4,287€4,014€3,690€3,373▼ 8.6%
Profit (loss) for the period before taxes9903-€10,243-€21,513-€9,837€11,882€15,517▲ 30.6%
Income taxes67/77€278-€576-€1,851-
Profit (loss) for the period9904-€10,522-€21,513-€10,413€11,882€13,666▲ 15.0%
Profit (loss) for the period to be appropriated9905-€10,522-€21,513-€10,413€11,882€13,666▲ 15.0%
Line20212022202320242025Change
Assets
Total assets20/58€289,583€231,068€212,073€203,649€220,717▲ 8.4%
Fixed assets21/28€239,154€215,686€197,603€191,287€211,209▲ 10.4%
Tangible fixed assets22/27€238,504€215,036€196,953€191,287€211,209▲ 10.4%
Land and buildings22-€214,311€196,373€190,852€202,685▲ 6.2%
Plant, machinery and equipment23-€725€580€435€8,524▲ 1,858%
Financial fixed assets28€650€650€650---
Current assets29/58€50,429€15,381€14,470€12,362€9,508▼ 23.1%
Amounts receivable within one year40/41€4,212€4,152€5,072€11,411€6,263▼ 45.1%
Trade receivables40--€920€2,106€2,106=
Other amounts receivable41-€4,152€4,152€9,305€4,157▼ 55.3%
Cash at bank and in hand54/58€45,925€10,926€9,015€528€2,798▲ 430%
Deferred charges and accrued income490/1-€303€383€422€448▲ 6.0%
Equity and liabilities
Total equity and liabilities10/49€289,583€231,068€212,073€203,649€220,717▲ 8.4%
Equity10/15€94,446€72,933€62,520€74,401€88,067▲ 18.4%
Contributions10/11€61,500€61,500€61,500€61,500€61,500=
Capital10-€61,500€61,500€61,500€61,500=
Issued capital100-€61,500€61,500€61,500€61,500=
Reserves13€6,150€6,150€6,150€6,150€6,150=
Non-distributable reserves130/1-€6,150€6,150€6,150€6,150=
Legal reserve130-€6,150€6,150€6,150€6,150=
Profit (loss) carried forward14€26,796€5,283-€5,130€6,751€20,417▲ 202%
Amounts payable17/49€195,138€158,135€149,553€129,248€132,650▲ 2.6%
Amounts payable after more than one year17€155,645€143,020€128,592€108,845€98,771▼ 9.3%
Financial debts170/4-€143,020€128,592€108,845€98,771▼ 9.3%
Amounts payable within one year42/48€21,532€15,115€20,961€20,403€33,079▲ 62.1%
Current portion of amounts payable after more than one year42-€14,115€14,428€19,747€15,073▼ 23.7%
Financial debts43---€656--
Credit institutions430/8---€656--
Trade debts44€9,971€401€6,522-€1,251-
Suppliers440/4-€401€6,522-€1,251-
Other amounts payable47/48-€599€12-€16,755-
Accrued charges and deferred income492/3----€800-
Line20212022202320242025Change
Profit (loss) for the period9904-€10,522-€21,513-€10,413€11,882€13,666▲ 15.0%
+ Depreciation and write-downs630€19,023€23,468€18,083€10,214€10,796▲ 5.7%
Operating cash flow (approximation)€8,502€1,955€7,670€22,095€24,462▲ 10.7%
Investment in fixed assets (approximation)-€0€0-€3,897-€30,718▼ 688%
Change in cash--€34,999-€1,911-€8,486€2,270▲ 127%

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

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
09-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
12-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Back to profitnet €11,882
Net result €11,882 after 4 loss-making years.
05-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial Weakest financial yearnet -€21,513
Net result drops to -€21,513, the lowest in the series; recovery starts the following year.
29-03
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
03-03
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
01-04
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial Back to profitnet €111,975
Net result €111,975 after one loss-making year.
30-09
Financial Liquidity times 59current ratio 3.35
Current ratio from 0.06 to 3.35; short-term debt falls from €128,502 to €40,142.
30-09
Financial Equity above €100,000Eq €124,945 ▲863%
Equity rises from €12,971 to €124,945.
Show earlier events
25-02
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
16-02
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
10-02
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has 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.

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, Brecht · 1 establishment unit since 1993
seat establishment The establishment unit on the map
Ground area
776 m²
Building footprint
127 m²
Volume, LiDAR
934 m³
Parcel 11042A0003/00T008, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Beukenlei 2, 2960 Brecht
Insurance, reinsurance and pension funding, except compulsory social security
since 19932.061.368.279
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11042A0003/00T008 Flanders 776 m² 1 · 127 m² 11.1 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPublic limited company
Founded21-12-1992
Fiscal year end30-09
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card 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 electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

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