JARO
ActiveJARO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €-6k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-26
Solvency82▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.39 against 1.38 in 2024; short-term debt: 10% and cash: 3.7% of total assets), and 43.3% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
56.7%
Return on assets
-0.3%
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 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
31 d early
2023
57 d early
2022
32 d early
2021
31 d early
2020
31 d early
2019
36 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.06M▼ 0.6%
2024 · €1.06M
2018: €286k
2019: €296k
2021: €659k
2022: €650k
2023: €661k
2024: €1.06M
2018 → 2025
Total assets
€1.86M▼ 8.0%
2024 · €2.02M
2018: €1.08M
2019: €1.15M
2021: €1.87M
2022: €1.87M
2023: €1.81M
2024: €2.02M
2018 → 2025
Net result
€-6k
2024 · €402k
2018: €19k
2019: €10k
2021: €7k
2022: €-10k
2023: €11k
2024: €402k
2018 → 2025
Working capital
€-114k
2024 · €125k
2018: €-165k
2019: €-179k
2021: €-321k
2022: €-366k
2023: €-364k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€659k-€650k▼ 1.5%€661k▲ 1.7%€1.06M▲ 60.8%€1.06M▼ 0.6%
Operating result€38k-€7k▼ 81.4%€36k▲ 409%€559k▲ 1,437%€3k▼ 99.4%
Net result€7k-€-10k€11k€402k▲ 3,600%€-6k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.86M
Fixed assets
€1.79M▲ 14.1%
Current assets
€72k▼ 84.1%
Equity and liabilities €1.86M
Equity
€1.06M▼ 0.6%
Provisions
€118k▼ 2.6%
Debt
€688k▼ 18.2%
The debt ratio falls from 41.5% to 37.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€90k▼
2024 · €633k
Cash flow
€80k▼
2024 · €476k
Solvency
56.7%▲
2024 · 52.5%
Current ratio
0.39▼
2024 · 1.38
Quick ratio
0.39▼
2024 · 1.38
Debt / equity
0.65▼
2024 · 0.79
ROE
-0.6%▼
2024 · 37.8%
ROA
-0.3%▼
2024 · 19.8%
Interest coverage
7.11▼
2024 · 40.55
Debt
€688k▼
2024 · €841k
Debt ≤ 1 year
€187k▼
2024 · €330k
Debt > 1 year
€501k▼
2024 · €511k
Income taxes
€1k▼
2024 · €30k
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€2.02M€1.86M▼
Fixed assets21/28€1.57M€1.79M▲
Tangible fixed assets22/27€1.57M€1.79M▲
Land and buildings22€1.54M€1.70M▲
Plant, machinery and equipment23€465€376▼
Leasing and similar rights25€17k€15k▼
Assets under construction and advance payments27€12k€79k▲
Current assets29/58€455k€72k▼
Cash at bank and in hand54/58€452k€69k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.02M€1.86M▼
Equity10/15€1.06M€1.06M▼
Contributions10/11€239k€239k=
Capital10€239k€239k=
Issued capital100€239k€239k=
Reserves13€791k€785k▼
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Tax-exempt reserves132€362k€353k▼
Distributable reserves133€405k€408k▲
Profit (loss) carried forward14€33k€33k=
Provisions and deferred taxes16€121k€118k▼
Deferred taxes168€121k€118k▼
Amounts payable17/49€841k€688k▼
Amounts payable after more than one year17€511k€501k▼
Financial debts170/4€511k€501k▼
Amounts payable within one year42/48€330k€187k▼
Current portion of amounts payable after more than one year42€73k€67k▼
Financial debts43€19k-
Credit institutions430/8€19k-
Trade debts44€8k€169▼
Suppliers440/4€8k€169▼
Taxes, remuneration and social security45€29k€3k▼
Taxes450/3€29k€3k▼
Other amounts payable47/48€201k€116k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€592k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€86k▲
Other operating charges640/8€19k€18k▼
Non-recurring operating charges66A€201-
Gross operating margin9900€652k€108k▼
Operating profit (loss)9901€559k€3k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€16k€13k▼
Recurring financial charges65€16k€13k▼
Profit (loss) for the period before taxes9903€546k€-8k▼
Transfer from deferred taxes780€4k€3k▼
Transfer to deferred taxes680€118k-
Income taxes67/77€30k€1k▼
Profit (loss) for the period9904€402k€-6k▼
Transfer from tax-exempt reserves789€12k€9k▼
Transfer to tax-exempt reserves689€355k-
Profit (loss) for the period to be appropriated9905€58k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€35k▼
Profit (loss) brought forward from the previous period14P€32k€33k▲
Transfer to equity691/2€58k€2k▼
To other reserves6921€58k€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
06-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €402k ▲3600%
Operating result €559k, net result €402k, both a record.
31-12
Financial
Liquidity times 114current ratio 1.38
Current ratio from 0.01 to 1.38; short-term debt falls from €368k to €330k.
31-12
Financial
Equity above €1MEq €1.06M ▲60.8%
2 profitable years in a row build equity to €1.06M.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼240%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €659k ▲123%
3 profitable years in a row build equity to €659k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Diest · 1 establishment unit since 1998
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.
Grote Markt 113290 DiestGround area
94 m²
Building footprint
81 m²
Volume, LiDAR
808 m³
Parcel 24020A0989/00B000, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JARO
since 19982.087.201.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A0989/00B000 | Flanders | 94 m² | 1 · 81 m² | 14.1 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
JACON
BE 0440.936.561
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RUAN
BE 0875.223.773
Oostrozebeke · Eq €1.05M
SODENAL
BE 0404.320.150
Antwerpen · Eq €1.04M
OTRAC BELGIUM
BE 0825.966.381
Mechelen · Eq €1.08M
ILHAN FOODS
BE 0432.056.113
Manage · Eq €1.03M
Of 699 companies in sector 46392 we hold annual accounts for 486. 313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1998
Fiscal year end31-12
Activities, NACEBEL
46392Non-specialised wholesale
51392
41001General construction of residential buildings
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47512Retail sale of household textiles and bedding
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
52112
52410
52421
52425
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.