Jardi
ActiveSummary
Jardi has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €822. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 28% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability54▲+7
Solvency52▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 1.95 in 2024; short-term debt: 12.5% and cash: 2.3% of total assets), but 73.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
26.8%
Return on assets
0.2%
Age of the figures
12 mo
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 10-04-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
on the day
2023
on the day
2022
2 d early
2021
1 d early
2020
on the day
2019
on the day
← 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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 0.7%
2024 · €115k
Total assets
€430k▼ 15.9%
2024 · €511k
Net result
€822▲ 307%
2024 · €202
Working capital
€109k▲ 5.0%
2024 · €104k
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€10k▼ 11.2%€16k▲ 59.1%€6k▼ 65.8%€11k▲ 89.8%€10k▼ 4.5%
Net result€1k▲ 2.5%€4k▲ 222%€-6k€202€822▲ 307%
Equity€116k▲ 1.2%€121k▲ 3.8%€114k▼ 5.3%€115k▲ 0.2%€115k▲ 0.7%
Total assets€555k▼ 1.1%€477k▼ 14.1%€500k▲ 4.9%€511k▲ 2.2%€430k▼ 15.9%
Debt€439k▼ 1.7%€356k▼ 18.9%€386k▲ 8.3%€397k▲ 2.8%€314k▼ 20.7%
Working capital€108k▲ 4.4%€114k▲ 6.4%€117k▲ 2.1%€104k▼ 10.7%€109k▲ 5.0%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€267k ▼ 10.3%
Current assets
€163k ▼ 23.7%
Equity and liabilities €430k
Equity
€115k ▲ 0.7%
Debt
€314k ▼ 20.7%
Debt's share of the balance-sheet total falls from 77.6% to 73.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €43k
Cash flow
€34k▲
2024 · €33k
Current ratio
3.04▲
2024 · 1.95
Quick ratio
2.45▲
2024 · 1.67
Debt to equity
2.73▼
2024 · 3.46
ROE
0.7%▲
2024 · 0.2%
ROA
0.2%▲
2024 · 0.0%
Interest coverage
4.15▲
2024 · 3.33
Debt ≤ 1 year
€54k▼
2024 · €109k
Debt > 1 year
€261k▼
2024 · €287k
Income taxes
€2k▲
2024 · €181
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €51k | €40k | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30k | €25k | €34k | €32k | €33k | ▲ 3.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €34k | €0 | ▼ 100% |
| Other operating charges640/8 | €3k | €4k | €3k | €4k | €2k | ▼ 36.2% |
| Gross operating margin9900 | €94k | €85k | €42k | €81k | €46k | ▼ 42.9% |
| Operating profit (loss)9901 | €10k | €16k | €6k | €11k | €10k | ▼ 4.5% |
| Financial income75/76B | €2k | €1k | €2k | €3k | €3k | ▲ 8.2% |
| Recurring financial income75 | €2k | €1k | €2k | €3k | €3k | ▲ 8.2% |
| Financial charges65/66B | €10k | €11k | €13k | €13k | €11k | ▼ 18.6% |
| Recurring financial charges65 | €10k | €11k | €13k | €13k | €11k | ▼ 18.6% |
| Profit (loss) for the period before taxes9903 | €2k | €7k | €-6k | €384 | €3k | ▲ 561% |
| Income taxes67/77 | €835 | €2k | €124 | €181 | €2k | ▲ 845% |
| Profit (loss) for the period9904 | €1k | €4k | €-6k | €202 | €822 | ▲ 307% |
| Profit (loss) for the period to be appropriated9905 | €1k | €4k | €-6k | €202 | €822 | ▲ 307% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €555k | €477k | €500k | €511k | €430k | ▼ 15.9% |
| Fixed assets21/28 | €311k | €293k | €314k | €297k | €267k | ▼ 10.3% |
| Tangible fixed assets22/27 | €275k | €263k | €290k | €279k | €255k | ▼ 8.8% |
| Land and buildings22 | €243k | €237k | €221k | €208k | €192k | ▼ 7.7% |
| Plant, machinery and equipment23 | €15k | €11k | €9k | €19k | €20k | ▲ 5.4% |
| Furniture and vehicles24 | €17k | €15k | €60k | €53k | €43k | ▼ 18.4% |
| Financial fixed assets28 | €36k | €30k | €24k | €18k | €12k | ▼ 33.2% |
| Current assets29/58 | €244k | €184k | €186k | €214k | €163k | ▼ 23.7% |
| Stocks and contracts in progress3 | €19k | €28k | €32k | €32k | €32k | = |
| Stocks30/36 | €6k | €6k | €6k | €6k | €6k | = |
| Contracts in progress37 | €13k | €22k | €26k | €26k | €26k | = |
| Amounts receivable within one year40/41 | €194k | €149k | €140k | €156k | €120k | ▼ 23.1% |
| Trade receivables40 | €105k | €54k | €44k | €44k | €38k | ▼ 14.9% |
| Other amounts receivable41 | €88k | €95k | €96k | €112k | €82k | ▼ 26.4% |
| Cash at bank and in hand54/58 | €32k | €7k | €13k | €25k | €10k | ▼ 59.6% |
| Deferred charges and accrued income490/1 | €368 | €630 | €1k | €2k | €2k | ▲ 11.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €555k | €477k | €500k | €511k | €430k | ▼ 15.9% |
| Equity10/15 | €116k | €121k | €114k | €115k | €115k | ▲ 0.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €110k | €114k | €108k | €108k | €109k | ▲ 0.8% |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €110k | €114k | €108k | €108k | €109k | ▲ 0.8% |
| Amounts payable17/49 | €439k | €356k | €386k | €397k | €314k | ▼ 20.7% |
| Amounts payable after more than one year17 | €302k | €287k | €316k | €287k | €261k | ▼ 9.2% |
| Financial debts170/4 | €302k | €287k | €316k | €287k | €261k | ▼ 9.2% |
| Amounts payable within one year42/48 | €137k | €69k | €69k | €109k | €54k | ▼ 51.0% |
| Current portion of amounts payable after more than one year42 | €22k | €20k | €29k | €29k | €26k | ▼ 9.9% |
| Financial debts43 | €15k | €0 | - | - | €2k | - |
| Credit institutions430/8 | €15k | €0 | - | - | €2k | - |
| Trade debts44 | €93k | €45k | €32k | €77k | €22k | ▼ 71.9% |
| Suppliers440/4 | €93k | €45k | €32k | €77k | €22k | ▼ 71.9% |
| Taxes, remuneration and social security45 | €7k | €4k | €8k | €4k | €4k | ▲ 16.0% |
| Taxes450/3 | €4k | €3k | €8k | €3k | €4k | ▲ 40.4% |
| Remuneration and social security454/9 | €4k | €952 | €0 | €630 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €0 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €4k | €-6k | €202 | €822 | ▲ 307% |
| + Depreciation and write-downs630 | €30k | €25k | €34k | €32k | €33k | ▲ 3.2% |
| Operating cash flow (approximation) | €31k | €29k | €28k | €33k | €34k | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | €-7k | €-55k | €-16k | €-3k | ▲ 82.2% |
| Change in cash | - | €-25k | €6k | €12k | €-15k | ▼ 226% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €202
Net result €202 after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
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 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Berlare · 1 establishment unit since 2015
Ground area
708 m²
Building footprint
240 m²
Volume, LiDAR
1,060 m³
Parcel 42003B0167/00X003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jardifloor
since 20152.243.373.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003B0167/00X003 | Flanders | 707 m² | 1 · 240 m² | 8.0 m · 2 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.
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,787. 1,520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-04-2015
Fiscal year end30-09
Activities, NACEBEL 2025
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.