JARO BAT
ActiveThe computed 12-month bankruptcy probability of JARO BAT is 1.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €6k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 71% of 27711 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+59
Solvency92▲+14
Growth66▲+30
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 1.95 in 2024; short-term debt: 33.1% and cash: 37.2% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
66.9%
Return on assets
15.8%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €27k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
46 d late
2024
42 d late
2023
42 d late
2022
69 d late
2021
36 d late
2020
55 d late
2019
28 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€145k▲ 44.8%
2023 · €100k
2018: €123k
2019: €182k
2020: €130k
2022: €125k
2023: €100k
2018 → 2024
EBIT margin
0.4%▲ 14.0pp
2023 · -13.6%
2018: -0.6%
2019: 1.5%
2020: -12.8%
2022: -1.9%
2023: -13.6%
2018 → 2024
Net result
€6k▲ 29,909%
2024 · €21
2018: €119
2019: €4k
2020: €-14k
2021: €13k
2022: €-2k
2023: €-14k
2024: €21
2018 → 2025
Working capital
€25k▲ 41.2%
2024 · €17k
2018: €18k
2019: €17k
2020: €-3k
2021: €14k
2022: €20k
2023: €22k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€125k€100k▼ 20.2%€145k▲ 44.8%
Equity€23k-€20k▼ 10.8%€20k=€20k▲ 0.1%€27k▲ 30.8%
Operating result€14k-€-2k€-14k▼ 477%€592€8k▲ 1,286%
Net result€13k-€-2k€-14k▼ 481%€21€6k▲ 29,909%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,286% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€2k▼ 34.2%
Current assets
€38k▲ 5.7%
Equity and liabilities €40k
Equity
€27k▲ 30.8%
Debt
€13k▼ 28.2%
The debt ratio falls from 47.4% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €897
Cash flow
€7k▲
2024 · €326
Solvency
66.9%▲
2024 · 52.6%
Current ratio
2.87▲
2024 · 1.95
Quick ratio
1.86▲
2024 · 1.23
Debt / equity
0.49▼
2024 · 0.90
ROE
23.6%▲
2024 · 0.1%
ROA
15.8%▲
2024 · 0.1%
Interest coverage
162.84▲
2024 · 1.57
Debt
€13k▼
2024 · €18k
Debt ≤ 1 year
€13k▼
2024 · €18k
Income taxes
€2k
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€39k€40k▲
Formation expenses20€232€232=
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€907€206▼
Furniture and vehicles24€1k€809▼
Financial fixed assets28€750€750=
Current assets29/58€36k€38k▲
Stocks and contracts in progress3€13k€13k=
Stocks30/36€13k€13k=
Amounts receivable within one year40/41€4k€8k▲
Trade receivables40€3k€3k▼
Other amounts receivable41€739€5k▲
Cash at bank and in hand54/58€17k€15k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€39k€40k▲
Equity10/15€20k€27k▲
Contributions10/11€12k€12k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€7k€13k▲
Amounts payable17/49€18k€13k▼
Amounts payable within one year42/48€18k€13k▼
Current portion of amounts payable after more than one year42€710€710=
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€9k€0▼
Income statement
Code20242025
Turnover70€145k-
Goods, raw materials, services and sundry goods60/61€143k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305€916▲
Other operating charges640/8€836€918▲
Non-recurring operating charges66A€126-
Gross operating margin9900€2k€10k▲
Operating profit (loss)9901€592€8k▲
Financial income75/76B-€212
Recurring financial income75-€212
Financial charges65/66B€571€56▼
Recurring financial charges65€571€56▼
Profit (loss) for the period before taxes9903€21€8k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€21€6k▲
Profit (loss) for the period to be appropriated9905€21€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€13k▲
Profit (loss) brought forward from the previous period14P€7k€7k▲
The notes to these accounts (5 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
31-12
Financial
Back to profitnet €21
Net result €21 after 2 loss-making years.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.01
Current ratio from 0.89 to 2.01; short-term debt falls from €24k to €14k.
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
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, Anderlecht · 1 establishment unit since 2013
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.
Verheydenstraat 221070 AnderlechtGround area
2.2 ha
Building footprint
1,207 m²
Volume, LiDAR
11,231 m³
Parcel 21304B0059/00F003, Brussels · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Verheydenstraat 22, 1070 Anderlecht
since 20132.248.508.005
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0059/00F003 | Brussels | 2.2 ha | 1 · 1,207 m² | 12.1 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.
Similar companies · same sector, comparable size
INGRAO & FILS
BE 0479.265.122
Jemeppe-sur-Sambre · Eq €27k
Envie d'Ô
BE 0792.322.625
Ans · Eq €27k
AJ RENOV CONSTRUCT
BE 0553.765.575
Gesves · Eq €27k
OLIVIER ANDRÉ
BE 0760.649.749
Courcelles · Eq €27k
BELGO-TECH GROUP
BE 1006.669.463
Sint-Pieters-Leeuw · Eq €27k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2013
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
42990Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.