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Jaro & Jolie

Active
Private limited companyfounded 2019active for 7 yearsE 3 laan 26, 9800 Deinze, BelgiumKBO/BCE: BE 0728.709.629
Summary

The computed 12-month bankruptcy probability of Jaro & Jolie is 2.4% (moderate). The 2025 annual accounts show negative equity (-€273,511) and a net result of -€279,674. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 10% of 22,793 sector peers (NACE 47, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 20-06-2019 Normal situation
Activity
Retail trade NACE 47783and 3 others
Establishment unit
2.290.249.479 9800 Deinze, since 20-06-2019
Financial year end
31 December
Peppol
Reachable since 12-02-2025

Board and ownership

Board
  • Strong Solutions Group bvDirector · since 25-02-2021

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.4%
Annual accounts 2025
Gross margin
-€59,239
Loss
€279,674
Equity
-€273,511
Total assets
€329,985
Staff
≈ 1.7 FTE
estimated
  • Negative equity on 31-12-2025
  • 2025 accounts filed 28 days after the deadline
Turnover not published (micro format)
Score breakdownraises riskLoss of €279,674 (financial year 2025)Negative equity -€273,511Sector: Retail trade (NACE 47)lowers riskSize: total assets €329,985Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 10% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 0-27
equity -82.9% of total assets
Liquidity 17-9
short-term debt 69.3% · cash 3.3%
Profitability 0-41
return on assets -84.8%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 7.9% 01-2025: 4.0%▼ -3.9 percentage points vs 12-2024 02-2025: 2.5%▼ -1.5 percentage points vs 01-2025 03-2025: 2.5%● unchanged vs 02-2025 04-2025: 2.5%● unchanged vs 03-2025 05-2025: 2.5%● unchanged vs 04-2025 06-2025: 2.5%● unchanged vs 05-2025 07-2025: 2.5%● unchanged vs 06-2025 08-2025: 2.5%● unchanged vs 07-2025 09-2025: 2.1%▼ -0.4 percentage points vs 08-2025lowest value 10-2025: 2.3%▲ +0.2 percentage points vs 09-2025 11-2025: 2.6%▲ +0.3 percentage points vs 10-2025 12-2025: 2.5%▼ -0.1 percentage points vs 11-2025 01-2026: 2.7%▲ +0.2 percentage points vs 12-2025 02-2026: 3.7%▲ +1.0 percentage point vs 01-2026 03-2026: 4.3%▲ +0.6 percentage points vs 02-2026 04-2026: 7.3%▲ +3.0 percentage points vs 03-2026 05-2026: 7.6%▲ +0.3 percentage points vs 04-2026 06-2026: 8.3%▲ +0.7 percentage points vs 05-2026 07-2026: 10.0%▲ +1.7 percentage points vs 06-2026highest value 08-2026: 10.0%● unchanged vs 07-2026highest value 09-2026: 4.6%▼ -5.4 percentage points vs 08-2026 10-2026: 2.4%▼ -2.2 percentage points vs 09-2026 11-2026: 2.4%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.85 (1.73 in 2024), below 1. Short-term debt is 69.3% and cash 3.3% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 16% on liquidity and 6% on profitability.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €329,985
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €279,674 (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€273,511
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year -€273,511
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filings
Deviation from the deadline
2025
28 days late
2024
3 days early
2023
on the day
2022
23 days early
2021
on the day
2020
16 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 3 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€273,511 View
  • Caution: From profit to loss in 2025after a profit of €2,992 in 2024 -€279,674 View
  • Caution: Lower net result than 95% of companies in retail tradesector median €5,085 · 22,775 companies -€279,674 View

Recent changes

  1. · Gazette deed Purpose change · Amendment of the articles“Groot en kleinhandel in wellness artikelen, onderhoudsproducten en interieurinrichtingsproducten…” (deed in Dutch)
  2. · Gazette deed Registered office moved within DeinzeNew seat: E3-laan 26 te 9800 Deinze · Previous seat: E 3 laan 10, 9800 Deinze
  3. · Gazette deed Resignation: Eddy Derick (director)Permanent representative: Djaro Colpaert · Director discharge: Eddy Derick
All 14 events

Comparable companies

These companies have the same main activity as Jaro & Jolie: retail trade (NACE 47783). They are comparable in size and age: total assets between €115,000 and €1.7m, founded between 2006 and 2022.

CompanyTotal assetsGross margin
Jaro & Jolie Deinze€0.3m-€0.06m
A l'ô Sombreffe€0.1m-€0.004m
PLUS-U Gent€1.6m-€0.07m
SERVI-CLEAN Sint-Jans-Molenbeek€0.2m-€0.02m
Cyclowax Gent€1.7m-€0.3m
COYSMAN Pittem€0.1m€0.009m
SEREMI Colfontaine€0.1m-€0.003m
Full comparison

Key facts about Jaro & Jolie

What is the company number of Jaro & Jolie?
The company number of Jaro & Jolie is 0728.709.629. The VAT number is the same number with BE in front: BE 0728.709.629.
Where is Jaro & Jolie based?
The registered office is at E 3 laan 26, 9800 Deinze.Company details
What does Jaro & Jolie do?
According to the KBO register, the main activity is retail trade (NACE 47783).
What is the legal form of Jaro & Jolie?
The legal form of Jaro & Jolie is Private limited company (BV).
When was Jaro & Jolie founded?
Jaro & Jolie was founded on 20-06-2019.
Is Jaro & Jolie still active?
Yes, Jaro & Jolie is an active enterprise in the KBO register.
How many employees does Jaro & Jolie have?
Jaro & Jolie had an average of 0.5 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Jaro & Jolie?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
Is Jaro & Jolie profitable?
In financial year 2025, Jaro & Jolie made a loss of €279,674.
Where can I find the annual accounts of Jaro & Jolie?
Jaro & Jolie filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

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