Jan & Jacobs
ActiveThe computed 12-month bankruptcy probability of Jan & Jacobs is 2.0% (moderate). The 2025 annual accounts show equity of €17k and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+13
Solvency74▲+46
Growth32=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.76 in 2024; short-term debt: 51.2% and cash: 18.7% of total assets), and 51.2% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
48.8%
Return on assets
46.9%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
7 d early
2022
20 d early
2021
5 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 2,464%
2024 · €662
2021: €21k
2022: €4k
2023: €-2k
2024: €662
2021 → 2025
Total assets
€35k▲ 62.5%
2024 · €21k
2021: €41k
2022: €25k
2023: €20k
2024: €21k
2021 → 2025
Net result
€16k▲ 422%
2024 · €3k
2021: €18k
2022: €-17k
2023: €-7k
2024: €3k
2021 → 2025
Working capital
€-10k▼ 94.9%
2024 · €-5k
2021: €4k
2022: €-9k
2023: €-12k
2024: €-5k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€4k▼ 79.8%€-2k€662€17k▲ 2,464%
Operating result€23k-€-17k€-7k▲ 60.3%€4k€17k▲ 346%
Net result€18k-€-17k€-7k▲ 60.0%€3k€16k▲ 422%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 346% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€27k▲ 377%
Current assets
€8k▼ 47.8%
Equity and liabilities €35k
Equity
€17k▲ 2,464%
Debt
€18k▼ 14.1%
The debt ratio falls from 96.9% to 51.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €7k
Cash flow
€21k▲
2024 · €7k
Solvency
48.8%▲
2024 · 3.1%
Current ratio
0.46▼
2024 · 0.76
Quick ratio
0.46▼
2024 · 0.76
Debt / equity
1.05
ROE
96.1%
ROA
46.9%▲
2024 · 14.6%
Interest coverage
187.64▲
2024 · 13.03
Debt
€18k▼
2024 · €21k
Debt ≤ 1 year
€18k▼
2024 · €21k
Income taxes
€208▲
2024 · €59
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€21k€35k▲
Fixed assets21/28€6k€27k▲
Tangible fixed assets22/27€6k€27k▲
Plant, machinery and equipment23€655€545▼
Furniture and vehicles24€5k€26k▲
Current assets29/58€16k€8k▼
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€1k€1k▼
Other amounts receivable41€849€758▼
Cash at bank and in hand54/58€14k€7k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€21k€35k▲
Equity10/15€662€17k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-2k€14k▲
Amounts payable17/49€21k€18k▼
Amounts payable within one year42/48€21k€18k▼
Trade debts44€830€4k▲
Suppliers440/4€830€4k▲
Taxes, remuneration and social security45€1k€917▼
Taxes450/3€1k€917▼
Remuneration and social security454/9€0-
Other amounts payable47/48€19k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€886€1k▲
Gross operating margin9900€8k€23k▲
Operating profit (loss)9901€4k€17k▲
Financial income75/76B€20€0▼
Recurring financial income75€20€0▼
Financial charges65/66B€565€114▼
Recurring financial charges65€565€114▼
Profit (loss) for the period before taxes9903€3k€17k▲
Income taxes67/77€59€208▲
Profit (loss) for the period9904€3k€16k▲
Profit (loss) for the period to be appropriated9905€3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€14k▲
Profit (loss) brought forward from the previous period14P€-5k€-2k▲
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-17k ▼192%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2020
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.
Luitenant Lippenslaan 462140 AntwerpenGround area
943 m²
Building footprint
951 m²
Volume, LiDAR
17,255 m³
Parcel 11006A0226/03L002, Flanders · tallest building 25.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Jan & Jacobs
since 20202.310.990.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0226/03L002 | Flanders | 943 m² | 1 · 950 m² | 25.3 m · 8 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 7,866 companies in sector 43341 we hold annual accounts for 2,664. 1,969 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2020
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
23510Manufacture of other non-metallic mineral products
43310Plastering work
43422Screed work
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Xachik94@hotmail.com