JARO

Active

Private limited companyfounded 198343 yrs activeRue d'Aix la Chapelle 180, 4701 Eupen, BelgiumKBO/BCE: BE 0424.335.804

JARO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €1k. Equity is growing by ~9.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

78 / 100

Excellent▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability6▼-26

Solvency100=

Growth52=

Stability100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

balance sheet total too small for a liquidity verdict, and 1.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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

98.9%

Return on assets

1.2%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

94 d early

2024

107 d early

2023

114 d early

2022

103 d early

2021

96 d early

2020

103 d early

2019

116 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, unclassified schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€1k▼ 81.1%

2024 · €7k

2018: €8k 2019: €7k 2020: €7k 2021: €9k 2022: €11k 2023: €7k 2024: €7k

2018 → 2025

Working capital

€117k▲ 1.5%

2024 · €115k

2018: €65k 2019: €73k 2020: €80k 2021: €90k 2022: €101k 2023: €108k 2024: €115k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€90k-€101k▲ 12.5%€108k▲ 6.7%€115k▲ 6.8%€116k▲ 1.2%

Operating result€12k-€14k▲ 15.7%€8k▼ 44.8%€8k▲ 8.7%€-4k

Net result€9k-€11k▲ 18.3%€7k▼ 39.3%€7k▲ 8.0%€1k▼ 81.1%

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €4k after €8k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €118k

98.9%

Equity €116k▲ 1.2%

Debt €1k▼ 44.3%

The debt ratio falls from 2.0% to 1.1%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

98.9%▲

2024 · 98.0%

Debt / equity

0.01▼

2024 · 0.02

ROE

1.2%▼

2024 · 6.4%

ROA

1.2%▼

2024 · 6.3%

Debt

€1k▼

2024 · €2k

Debt ≤ 1 year

€936▼

2024 · €2k

Income taxes

€463▼

2024 · €4k

A ratio outside any meaningful range has been withheld (balance sheet total €118k, equity €116k).

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€117k€118k▲

Current assets29/58€117k€118k▲

Amounts receivable within one year40/41€108k€114k▲

Other amounts receivable41€108k€114k▲

Cash at bank and in hand54/58€9k€3k▼

Deferred charges and accrued income490/1€41-

Equity and liabilities

Total equity and liabilities10/49€117k€118k▲

Equity10/15€115k€116k▲

Contributions10/11€19k€19k=

Reserves13€48k€48k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€46k€46k=

Profit (loss) carried forward14€48k€49k▲

Amounts payable17/49€2k€1k▼

Amounts payable within one year42/48€2k€936▼

Trade debts44-€113

Suppliers440/4-€113

Taxes, remuneration and social security45€2k€822▼

Taxes450/3€2k€822▼

Accrued charges and deferred income492/3€32€400▲

Income statement Code20242025

Other operating charges640/8€577€622▲

Gross operating margin9900€9k€-4k▼

Operating profit (loss)9901€8k€-4k▼

Financial income75/76B€3k€6k▲

Recurring financial income75€3k€6k▲

Financial charges65/66B€108€103▼

Recurring financial charges65€108€103▼

Profit (loss) for the period before taxes9903€11k€2k▼

Income taxes67/77€4k€463▼

Profit (loss) for the period9904€7k€1k▼

Profit (loss) for the period to be appropriated9905€7k€1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€55k€49k▼

Profit (loss) brought forward from the previous period14P€48k€48k▲

Transfer to equity691/2€7k-

To other reserves6921€7k-

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-04

NBB filing Annual accounts filed

fiscal year 2025 · unclassified schema

2025

31-12

Financial Weakest financial yearnet €1k ▼81.1%

Net result drops to €1k, the lowest in the series.

31-12

Financial Liquidity triplescurrent ratio 125.74

Current ratio from 49.56 to 125.74; short-term debt falls from €2k to €936.

15-04

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema

2024

08-04

NBB filing Annual accounts filed

fiscal year 2023 · unclassified schema

2023

19-04

NBB filing Annual accounts filed

fiscal year 2022 · unclassified schema

2022

31-12

Financial Highest result since 2018net €11k ▲18.3%

Operating result €14k, net result €11k, both a record.

31-12

Financial Equity above €100kEq €101k ▲12.5%

5 profitable years in a row build equity to €101k.

26-04

NBB filing Annual accounts filed

fiscal year 2021 · unclassified schema

2021

19-04

NBB filing Annual accounts filed

fiscal year 2020 · unclassified schema

2020

06-04

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

29-04

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

23-04

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

10-05

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Eupen · 1 establishment unit since 1983

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.

Rue d'Aix la Chapelle 1804701 Eupen

Ground area

4,195 m²

Building footprint

578 m²

Volume, LiDAR

2,503 m³

2 parcels, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Rue de Liège 43, 4721 Kelmis

NACE 52112

since 19832.022.730.904

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63041G0257/00F002	Wallonia	2,749 m²	1 · 349 m²	-
63056B0129/00N000	Wallonia	1,446 m²	1 · 229 m²	12.3 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

DE PANDER

BE 0755.865.372

Ingelmunster · Eq €116k

GEOBY

BE 0759.717.658

Liège · Eq €116k

Sea Food Traders & Consultants

Pont-à-Celles · Eq €116k

LA C R E M E R I E

BE 0861.994.359

Antwerpen · Eq €116k

Of 10,412 companies in sector 47110 we hold annual accounts for 5,787. 4,533 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-08-1983

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

52112

47260Retail trade

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

52421

66220Insurance agents and brokers

67201

70200Business and other management consultancy

70220Business consulting

73200Market research and public opinion polling

74131

74142

Sources

Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.