JAROTECH
ActiveSummary
JAROTECH has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €3k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-12
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 16.18 against 12.33 in 2024; short-term debt: 5.9% and cash: 0.7% of total assets), and 5.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 · 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 · 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
94.1%
Return on assets
2.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
53 d late
2023
419 d late
2022
3 d early
2021
2 d late
2020
5 d late
2019
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 2.4%
2024 · €104k
Total assets
€114k▲ 0.6%
2024 · €113k
Net result
€3k▼ 72.5%
2024 · €9k
Working capital
€102k▲ 4.5%
2024 · €98k
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€9k▲ 27.1%€3k▼ 69.2%€-5k€10k€-628
Net result€12k▲ 38.6%€6k▼ 55.2%€-55€9k€3k▼ 72.5%
Equity€90k▲ 16.0%€95k▲ 6.2%€95k▼ 0.1%€104k▲ 9.6%€107k▲ 2.4%
Total assets€95k▲ 9.8%€107k▲ 12.9%€104k▼ 3.0%€113k▲ 9.0%€114k▲ 0.6%
Debt€5k▼ 44.4%€12k▲ 136%€8k▼ 27.4%€9k▲ 2.2%€7k▼ 22.0%
Working capital€87k▲ 16.6%€91k▲ 4.8%€90k▼ 0.8%€98k▲ 8.4%€102k▲ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €628 after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€5k ▼ 29.3%
Current assets
€109k ▲ 2.4%
Equity and liabilities €114k
Equity
€107k ▲ 2.4%
Debt
€7k ▼ 22.0%
Debt's share of the balance-sheet total falls from 7.6% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €12k
Cash flow
€4k▼
2024 · €11k
Current ratio
16.18▲
2024 · 12.33
Quick ratio
15.25▲
2024 · 11.57
Debt to equity
0.06▼
2024 · 0.08
ROE
2.4%▼
2024 · 8.8%
ROA
2.2%▼
2024 · 8.1%
Interest coverage
5.47▼
2024 · 29.57
Debt ≤ 1 year
€7k▼
2024 · €9k
Income taxes
€2k▼
2024 · €5k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €741 | €1k | €2k | €2k | €2k | ▼ 1.8% |
| Other operating charges640/8 | - | €415 | €673 | €501 | €154 | ▼ 69.2% |
| Gross operating margin9900 | €11k | €4k | €-2k | €12k | €1k | ▼ 88.3% |
| Operating profit (loss)9901 | €9k | €3k | €-5k | €10k | €-628 | ▼ 106% |
| Financial income75/76B | - | €5k | €6k | €5k | €5k | ▲ 16.4% |
| Recurring financial income75 | €8k | €5k | €6k | €5k | €5k | ▲ 16.4% |
| Financial charges65/66B | - | €728 | €888 | €431 | €232 | ▼ 46.1% |
| Recurring financial charges65 | €274 | €728 | €888 | €396 | €232 | ▼ 41.3% |
| Non-recurring financial charges66B | - | - | - | €35 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €17k | €7k | €-55 | €14k | €4k | ▼ 68.1% |
| Income taxes67/77 | €5k | €2k | - | €5k | €2k | ▼ 59.6% |
| Profit (loss) for the period9904 | €12k | €6k | €-55 | €9k | €3k | ▼ 72.5% |
| Profit (loss) for the period to be appropriated9905 | €12k | €6k | €-55 | €9k | €3k | ▼ 72.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €95k | €107k | €104k | €113k | €114k | ▲ 0.6% |
| Fixed assets21/28 | €3k | €7k | €5k | €6k | €5k | ▼ 29.3% |
| Tangible fixed assets22/27 | €3k | €7k | €5k | €6k | €5k | ▼ 29.3% |
| Plant, machinery and equipment23 | - | €3k | €2k | €1k | €520 | ▼ 60.9% |
| Furniture and vehicles24 | - | €3k | €3k | €5k | €4k | ▼ 21.2% |
| Current assets29/58 | €91k | €100k | €99k | €107k | €109k | ▲ 2.4% |
| Stocks and contracts in progress3 | €10k | €8k | €7k | €7k | €6k | ▼ 4.7% |
| Stocks30/36 | - | €8k | €7k | €7k | €6k | ▼ 4.7% |
| Amounts receivable within one year40/41 | €79k | €86k | €88k | €94k | €102k | ▲ 8.9% |
| Trade receivables40 | - | - | €146 | €4k | €9k | ▲ 144% |
| Other amounts receivable41 | - | €86k | €87k | €90k | €93k | ▲ 3.4% |
| Cash at bank and in hand54/58 | €2k | €7k | €4k | €6k | €766 | ▼ 86.2% |
| Deferred charges and accrued income490/1 | - | €189 | €189 | €708 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €95k | €107k | €104k | €113k | €114k | ▲ 0.6% |
| Equity10/15 | €90k | €95k | €95k | €104k | €107k | ▲ 2.4% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €71k | €77k | €77k | €86k | €88k | ▲ 2.9% |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €75k | €75k | €86k | €88k | ▲ 2.9% |
| Profit (loss) carried forward14 | €40k | - | - | - | - | - |
| Amounts payable17/49 | €5k | €12k | €8k | €9k | €7k | ▼ 22.0% |
| Amounts payable within one year42/48 | €5k | €9k | €8k | €9k | €7k | ▼ 22.0% |
| Trade debts44 | - | €8k | €7k | €4k | €5k | ▲ 33.6% |
| Suppliers440/4 | - | €8k | €7k | €4k | €5k | ▲ 33.6% |
| Taxes, remuneration and social security45 | - | €2k | €2k | €5k | €2k | ▼ 61.7% |
| Taxes450/3 | - | €2k | €2k | €5k | €2k | ▼ 61.7% |
| Accrued charges and deferred income492/3 | - | €2k | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €6k | €-55 | €9k | €3k | ▼ 72.5% |
| + Depreciation and write-downs630 | €741 | €1k | €2k | €2k | €2k | ▼ 1.8% |
| Operating cash flow (approximation) | €13k | €7k | €2k | €11k | €4k | ▼ 60.2% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-4k | €0 | ▲ 100% |
| Change in cash | - | €5k | €-3k | €2k | €-5k | ▼ 364% |
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 419 days late
31-03
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-03
Financial
Equity above €100kEq €104k ▲9.6%
Equity rises from €95k to €104k.
2023
31-03
Financial
Weakest financial yearnet €-55
Net result drops to €-55, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
31-03
Financial
Highest result since 2019net €12k ▲38.6%
Net result €12k, the highest in the series.
31-03
Financial
Liquidity doublescurrent ratio 19.88
Current ratio from 9.76 to 19.88; short-term debt falls from €9k to €5k.
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
Show earlier events
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 119 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 484 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Sint-Truiden · 1 establishment unit since 2008
Ground area
3,015 m²
Building footprint
367 m²
Volume, LiDAR
1,591 m³
Parcel 71009A0237/00G000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kraaibeekstraat 4, 3800 Sint-Truiden
since 20082.171.258.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009A0237/00G000 | Flanders | 3,015 m² | 1 · 367 m² | 10.6 m · 1 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 22,832 companies in sector 43211 we hold annual accounts for 10,326. 8,778 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
Founded23-05-2008
Fiscal year end31-03
Activities, NACEBEL 2025
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.