Jane-S & CO
ActiveThe computed 12-month bankruptcy probability of Jane-S & CO is 1.7% (moderate). The 2025 annual accounts show equity of €31k and a net result of €22k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 11195 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+97
Solvency45▼-5
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.24 in 2024), and 74.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
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
25.6%
Return on assets
17.7%
Age of the figures
8 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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
8 d early
2023
29 d early
2022
6 d early
2021
13 d early
2020
1 d early
2019
8 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 5.6%
2024 · €30k
2019: €23k
2020: €55k
2021: €25k
2022: €28k
2023: €29k
2024: €30k
2019 → 2025
Total assets
€122k▲ 17.7%
2024 · €104k
2019: €70k
2020: €81k
2021: €75k
2022: €102k
2023: €93k
2024: €104k
2019 → 2025
Net result
€22k▲ 11,479%
2024 · €187
2019: €17k
2020: €33k
2021: €7k
2022: €33k
2023: €2k
2024: €187
2019 → 2025
Working capital
€25k▲ 39.0%
2024 · €18k
2019: €23k
2020: €55k
2021: €25k
2022: €28k
2023: €29k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€28k▲ 12.9%€29k▲ 5.4%€30k▲ 0.6%€31k▲ 5.6%
Operating result€10k-€38k▲ 265%€5k▼ 85.8%€2k▼ 62.8%€24k▲ 1,091%
Net result€7k-€33k▲ 380%€2k▼ 95.4%€187▼ 87.6%€22k▲ 11,479%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,091% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€6k▼ 46.4%
Current assets
€116k▲ 25.7%
Equity and liabilities €122k
Equity
€31k▲ 5.6%
Debt
€91k▲ 22.5%
The debt ratio rises from 71.4% to 74.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€29k▲
2024 · €7k
Cash flow
€27k▲
2024 · €5k
Solvency
25.6%▼
2024 · 28.6%
Current ratio
1.28▲
2024 · 1.24
Quick ratio
1.28▲
2024 · 1.24
Debt / equity
2.90▲
2024 · 2.50
ROE
69.2%▲
2024 · 0.6%
ROA
17.7%▲
2024 · 0.2%
Interest coverage
555.05▲
2024 · 24.05
Debt
€91k▲
2024 · €74k
Debt ≤ 1 year
€91k▲
2024 · €74k
Income taxes
€2k▲
2024 · €2k
Staff costs
€273k▲
2024 · €262k
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€104k€122k▲
Fixed assets21/28€12k€6k▼
Tangible fixed assets22/27€12k€6k▼
Furniture and vehicles24€12k€6k▼
Current assets29/58€92k€116k▲
Amounts receivable within one year40/41€34k€27k▼
Trade receivables40€29k€22k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€57k€89k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€104k€122k▲
Equity10/15€30k€31k▲
Contributions10/11€6k€6k=
Reserves13€23k€25k▲
Distributable reserves133€23k€25k▲
Profit (loss) carried forward14€187€187=
Amounts payable17/49€74k€91k▲
Amounts payable within one year42/48€74k€91k▲
Trade debts44€39k€33k▼
Suppliers440/4€39k€33k▼
Taxes, remuneration and social security45€35k€37k▲
Taxes450/3€12k€11k▼
Remuneration and social security454/9€23k€26k▲
Other amounts payable47/48€15€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€262k€273k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€270k€304k▲
Operating profit (loss)9901€2k€24k▲
Financial income75/76B-€101
Recurring financial income75-€101
Financial charges65/66B€271€52▼
Recurring financial charges65€271€52▼
Profit (loss) for the period before taxes9903€2k€24k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€187€22k▲
Profit (loss) for the period to be appropriated9905€187€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187€22k▲
Profit (loss) brought forward from the previous period14P-€187
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7-€20k
Directors or managers695-€20k
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €187 ▼87.6%
Net result drops to €187, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €33k ▲380%
Operating result €38k, net result €33k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.12
Current ratio from 1.49 to 3.12; short-term debt falls from €47k to €26k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Lo-Reninge · 2 establishment units since 2018
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.
Kruisstraat 68647 Lo-ReningeGround area
9,443 m²
Building footprint
5,245 m²
Volume, LiDAR
18,757 m³
3 parcels, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JBC
since 20182.280.685.180
JBC.be
since 20192.289.650.356
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31433D0052/00T000 | Flanders | 7,740 m² | 1 · 4,052 m² | 13.5 m · 1 fl. |
| 31424B0676/00L000 | Flanders | 1,003 m² | 1 · 1,005 m² | 6.6 m · 2 fl. |
| 32014C0680/00E000 | Flanders | 700 m² | 1 · 189 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 812 EUR awarded · 812 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 812 EUR | 812 EUR |
Schemes
Individueel Maatwerk
Similar companies · same sector, comparable size
VIRGO
BE 0867.843.162
Mechelen · Eq €31k
DELFAN
BE 0461.819.275
Moorslede · Eq €31k
HAUTE FASHION CONSULTANCY
BE 0865.151.314
Kalmthout · Eq €31k
K7 Partnerships
BE 1001.069.692
Boutersem · Eq €32k
LEDENT H.A.
BE 1015.265.445
Temse · Eq €32k
Of 1,268 companies in sector 46160 we hold annual accounts for 682. 488 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2018
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.