JESSO
ActiveSummary
The computed 12-month bankruptcy probability of JESSO is 1.6% (moderate). The 2025 annual accounts show negative equity (-€146,574) and a net result of -€13,449. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 6% of 18606 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability12▼-45
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 0.21 in 2024; short-term debt: 202.8% and cash: 19% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-209.6%
Return on assets
-19.2%
Age of the figures
12 mo
raises risk · 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
Retail trade (NACE 47)
about 45% 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€146,574
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
12 d early
2023
35 d early
2022
2 d late
2021
24 d late
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 18 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€146,574▼ 10.1%
2024 · -€133,124
Total assets
€69,946▼ 21.8%
2024 · €89,459
Net result
-€13,449
2024 · €7,793
Working capital
-€119,429▼ 20.7%
2024 · -€98,972
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14,988▲ 12.9%€19,785▲ 32.0%€17,110▼ 13.5%€19,980▲ 16.8%-€6,578
Net result-€6,742below the sector's middle half▲ 2.9%-€1,053within the sector's middle half▲ 84.4%-€2,554within the sector's middle half▼ 142%€7,793within the sector's middle half-€13,449below the sector's middle half
Equity-€137,309below the sector's middle half▼ 5.2%-€138,363below the sector's middle half▼ 0.8%-€140,917below the sector's middle half▼ 1.8%-€133,124below the sector's middle half▲ 5.5%-€146,574below the sector's middle half▼ 10.1%
Total assets€237,057within the sector's middle half▼ 1.7%€233,580within the sector's middle half▼ 1.5%€234,448within the sector's middle half▲ 0.4%€89,459within the sector's middle half▼ 61.8%€69,946within the sector's middle half▼ 21.8%
Debt€374,366▲ 0.7%€371,943▼ 0.6%€375,365▲ 0.9%€222,584▼ 40.7%€216,520▼ 2.7%
Working capital-€85,385below the sector's middle half▼ 12.7%-€90,350below the sector's middle half▼ 5.8%-€103,563below the sector's middle half▼ 14.6%-€98,972below the sector's middle half▲ 4.4%-€119,429below the sector's middle half▼ 20.7%
Solvency-57.9%below the sector's middle half▼ 3.8pp-59.2%below the sector's middle half▼ 1.3pp-60.1%below the sector's middle half▼ 0.9pp-148.8%below the sector's middle half▼ 88.7pp-209.6%below the sector's middle half▼ 60.7pp
Current ratio0.59below the sector's middle half=0.60below the sector's middle half▲ 0.010.59below the sector's middle half▼ 0.010.21below the sector's middle half▼ 0.390.16below the sector's middle half▼ 0.05
Return on assets (ROA)-2.8%below the sector's middle half=-0.5%within the sector's middle half▲ 2.4pp-1.1%within the sector's middle half▼ 0.6pp8.7%within the sector's middle half▲ 9.8pp-19.2%below the sector's middle half▼ 27.9pp
Staff (FTE)0.7▼ 30.0%0.4▼ 42.9%0.4=0.3▼ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 €6,578 after €19,980 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69,946
Fixed assets
€47,530 ▼ 25.3%
Current assets
€22,416 ▼ 13.3%
Key figures and ratios
EBITDA
€9,506▼
2024 · €40,184
Cash flow
€2,634▼
2024 · €27,997
Debt to equity
-1.48▲
2024 · -1.67
Interest coverage
1.46▼
2024 · 3.27
Debt ≤ 1 year
€141,845▲
2024 · €124,817
Debt > 1 year
€72,615▼
2024 · €97,489
Income taxes
€342▲
2024 · €275
Staff costs
-€55▼
2024 · €8,095
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €529 | - | - | - | - |
| Remuneration, social security and pensions62 | €9,719 | €11,394 | €10,632 | €8,095 | -€55 | ▼ 101% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,558 | €17,558 | €17,728 | €20,204 | €16,083 | ▼ 20.4% |
| Other operating charges640/8 | €2,443 | €2,092 | €3,257 | €3,728 | €2,549 | ▼ 31.6% |
| Gross operating margin9900 | €44,707 | €50,829 | €48,727 | €52,007 | €12,000 | ▼ 76.9% |
| Operating profit (loss)9901 | €14,988 | €19,785 | €17,110 | €19,980 | -€6,578 | ▼ 133% |
| Financial income75/76B | €486 | - | €21 | €372 | €0 | ▼ 100% |
| Recurring financial income75 | €486 | - | €21 | €372 | €0 | ▼ 100% |
| Financial charges65/66B | €21,822 | €20,429 | €19,332 | €12,284 | €6,530 | ▼ 46.8% |
| Recurring financial charges65 | €21,822 | €20,429 | €19,332 | €12,284 | €6,530 | ▼ 46.8% |
| Profit (loss) for the period before taxes9903 | -€6,348 | -€644 | -€2,201 | €8,068 | -€13,108 | ▼ 262% |
| Income taxes67/77 | €394 | €410 | €354 | €275 | €342 | ▲ 24.0% |
| Profit (loss) for the period9904 | -€6,742 | -€1,053 | -€2,554 | €7,793 | -€13,449 | ▼ 273% |
| Profit (loss) for the period to be appropriated9905 | -€6,742 | -€1,053 | -€2,554 | €7,793 | -€13,449 | ▼ 273% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €237,057 | €233,580 | €234,448 | €89,459 | €69,946 | ▼ 21.8% |
| Fixed assets21/28 | €113,248 | €95,690 | €83,818 | €63,613 | €47,530 | ▼ 25.3% |
| Tangible fixed assets22/27 | €113,148 | €95,590 | €83,718 | €63,513 | €47,430 | ▼ 25.3% |
| Land and buildings22 | €100,426 | €86,732 | €73,037 | €59,343 | €45,648 | ▼ 23.1% |
| Plant, machinery and equipment23 | €12,722 | €8,859 | €4,995 | €437 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | €5,685 | €3,733 | €1,782 | ▼ 52.3% |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €123,809 | €137,890 | €150,630 | €25,846 | €22,416 | ▼ 13.3% |
| Stocks and contracts in progress3 | €115,489 | €127,549 | €141,810 | €22,089 | €0 | ▼ 100% |
| Stocks30/36 | €115,489 | €127,549 | €141,810 | €22,089 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €1,841 | €1,100 | €1,719 | €1,109 | €6,663 | ▲ 501% |
| Trade receivables40 | €1,517 | €776 | €1,395 | €1,109 | €6,663 | ▲ 501% |
| Other amounts receivable41 | €324 | €324 | €324 | €0 | - | - |
| Cash at bank and in hand54/58 | €1,067 | €3,948 | €2,261 | €987 | €13,290 | ▲ 1,246% |
| Deferred charges and accrued income490/1 | €5,411 | €5,292 | €4,839 | €1,661 | €2,464 | ▲ 48.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €237,057 | €233,580 | €234,448 | €89,459 | €69,946 | ▼ 21.8% |
| Equity10/15 | -€137,309 | -€138,363 | -€140,917 | -€133,124 | -€146,574 | ▼ 10.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €26,289 | €26,289 | €26,289 | €0 | - | - |
| Non-distributable reserves130/1 | €1,579 | €1,579 | €1,579 | €0 | - | - |
| Reserves not available under the articles1311 | €1,579 | €1,579 | - | - | - | - |
| Other1319 | - | - | €1,579 | €0 | - | - |
| Distributable reserves133 | €24,709 | €24,709 | €24,709 | €0 | - | - |
| Profit (loss) carried forward14 | -€169,798 | -€170,851 | -€173,406 | -€139,324 | -€152,774 | ▼ 9.7% |
| Amounts payable17/49 | €374,366 | €371,943 | €375,365 | €222,584 | €216,520 | ▼ 2.7% |
| Amounts payable after more than one year17 | €165,173 | €143,703 | €121,172 | €97,489 | €72,615 | ▼ 25.5% |
| Financial debts170/4 | €165,173 | €143,703 | €121,172 | €97,489 | €72,615 | ▼ 25.5% |
| Amounts payable within one year42/48 | €209,193 | €228,240 | €254,193 | €124,817 | €141,845 | ▲ 13.6% |
| Current portion of amounts payable after more than one year42 | €20,442 | €21,470 | €22,531 | €23,683 | €24,874 | ▲ 5.0% |
| Financial debts43 | €90,172 | €91,692 | €93,714 | €13,836 | €0 | ▼ 100% |
| Credit institutions430/8 | €90,172 | €91,692 | €93,714 | €13,836 | €0 | ▼ 100% |
| Trade debts44 | €31,813 | €40,579 | €58,049 | €2,029 | €2,901 | ▲ 43.0% |
| Suppliers440/4 | €31,813 | €40,579 | €58,049 | €2,029 | €2,901 | ▲ 43.0% |
| Taxes, remuneration and social security45 | €7,067 | €5,238 | €6,475 | €3,439 | €2,759 | ▼ 19.8% |
| Taxes450/3 | €5,651 | €4,231 | €5,561 | €3,439 | €2,759 | ▼ 19.8% |
| Remuneration and social security454/9 | €1,416 | €1,007 | €913 | €0 | - | - |
| Other amounts payable47/48 | €59,700 | €69,262 | €73,424 | €81,830 | €111,312 | ▲ 36.0% |
| Accrued charges and deferred income492/3 | - | - | - | €277 | €2,060 | ▲ 642% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,742 | -€1,053 | -€2,554 | €7,793 | -€13,449 | ▼ 273% |
| + Depreciation and write-downs630 | €17,558 | €17,558 | €17,728 | €20,204 | €16,083 | ▼ 20.4% |
| Operating cash flow (approximation) | €10,816 | €16,504 | €15,174 | €27,997 | €2,634 | ▼ 90.6% |
| Investment in fixed assets (approximation) | - | €0 | -€5,855 | €0 | €0 | - |
| Change in cash | - | €2,881 | -€1,687 | -€1,274 | €12,303 | ▲ 1,066% |
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
2026
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €7,793
Net result €7,793 after 6 loss-making years.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2009
Ground area
1,044 m²
Building footprint
419 m²
Volume, LiDAR
2,617 m³
3 parcels, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Jesso bvba
since 20092.177.271.601
JESSO pop-up store
since 20152.243.551.107
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C0399/00G005 | Flanders | 544 m² | 1 · 128 m² | 10.1 m · 2 fl. |
| 11056B0838/00S003 | Flanders | 368 m² | 1 · 160 m² | 11.8 m · 2 fl. |
| 46503C0289/00B005 | Flanders | 132 m² | 1 · 130 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in sector 47711 we hold annual accounts for 888. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-02-2009
Fiscal year end30-09
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47715Retail trade
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810122719
Also
9925:BE0810122719
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.