JUBARTOLAS
ActiveSummary
JUBARTOLAS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €637,437 and a net result of €6,249. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 21% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37▲+28
Solvency36▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 1.14 in 2024; short-term debt: 86.4% and cash: 3.1% of total assets), and 88.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
11.1%
Return on assets
0.1%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 10522 sector peers (2025).
NBB · sector comparisonPosition among 10522 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
208 d late
2022
108 d late
2021
24 d late
2020
37 d late
2019
53 d late
← 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 69 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 80 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 employer in Ham-sur-Heure-Nalinnes#2 company by total assets in Ham-sur-Heure-Nalinnes, Wholesale and retail trade sector#8 company by equity in Ham-sur-Heure-Nalinnes, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6,249
2024 · -€360,381
Working capital
€329,780▼ 35.4%
2024 · €510,323
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€94,369▼ 46.4%-€40,703-€87,217▼ 114%-€249,597▼ 186%€124,612
Net result-€6,430below the sector's middle half€68,574within the sector's middle half-€125,680below the sector's middle half-€360,381below the sector's middle half▼ 187%€6,249within the sector's middle half
Equity€1.0mabove the sector's middle half▼ 0.6%€1.1mabove the sector's middle half▲ 6.5%€991,570above the sector's middle half▼ 11.2%€631,189within the sector's middle half▼ 36.3%€637,437above the sector's middle half▲ 1.0%
Total assets€5.2mabove the sector's middle half▲ 2.0%€5.6mabove the sector's middle half▲ 8.2%€4.0mabove the sector's middle half▼ 28.1%€4.4mabove the sector's middle half▲ 9.9%€5.7mabove the sector's middle half▲ 29.1%
Debt€4.0m▲ 2.9%€4.3m▲ 9.0%€3.0m▼ 29.7%€3.8m▲ 25.0%€5.1m▲ 33.8%
Working capital€1.1mabove the sector's middle half▼ 1.0%€1.1mabove the sector's middle half▼ 0.6%€822,434above the sector's middle half▼ 22.9%€510,323within the sector's middle half▼ 37.9%€329,780within the sector's middle half▼ 35.4%
Solvency20.2%within the sector's middle half▼ 0.5pp19.9%within the sector's middle half▼ 0.3pp24.6%within the sector's middle half▲ 4.7pp14.2%within the sector's middle half▼ 10.3pp11.1%below the sector's middle half▼ 3.1pp
Current ratio1.29within the sector's middle half▼ 0.011.25within the sector's middle half▼ 0.041.27within the sector's middle half▲ 0.021.14within the sector's middle half▼ 0.141.07within the sector's middle half▼ 0.07
Return on assets (ROA)-0.1%below the sector's middle half▼ 1.2pp1.2%within the sector's middle half▲ 1.3pp-3.1%below the sector's middle half▼ 4.3pp-8.1%below the sector's middle half▼ 5.0pp0.1%below the sector's middle half▲ 8.2pp
Staff (FTE)36.4above the sector's middle half▼ 0.3%29.8above the sector's middle half▼ 18.1%27.7above the sector's middle half▼ 7.0%31.9above the sector's middle half▲ 15.2%31.7above the sector's middle half▼ 0.6%
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.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €124,612 after a loss of €249,597 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.7m
Fixed assets
€446,379 ▲ 165%
Current assets
€5.3m ▲ 23.8%
Equity and liabilities €5.7m
Equity
€637,437 ▲ 1.0%
Debt
€5.1m ▲ 33.8%
Debt's share of the balance-sheet total rises from 85.8% to 88.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€206,858▲
2024 · -€172,392
Cash flow
€88,495▲
2024 · -€283,176
Quick ratio
0.92▼
2024 · 0.93
Debt to equity
7.99▲
2024 · 6.03
ROE
1.0%▲
2024 · -57.1%
Interest coverage
2.11▲
2024 · -3.18
Debt ≤ 1 year
€5.0m▲
2024 · €3.8m
Debt > 1 year
€134,694▲
2024 · €40,045
Income taxes
€32,812▼
2024 · €65,266
Staff costs
€1.3m▲
2024 · €1.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,105 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 98% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.0%
went bankrupt
0.9%
stopped otherwise
98%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 4,105 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 | €48,811 | €6,433 | €160,000 | €3,609 | €27,364 | ▲ 658% |
| Remuneration, social security and pensions62 | €1.2m | €1.2m | €1.2m | €1.2m | €1.3m | ▲ 10.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €136,122 | €140,368 | €89,644 | €77,205 | €82,247 | ▲ 6.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1,990 | - |
| Other operating charges640/8 | €67,988 | €78,372 | €68,641 | €88,453 | €100,757 | ▲ 13.9% |
| Non-recurring operating charges66A | €4,787 | €583 | - | €90,127 | €13,633 | ▼ 84.9% |
| Gross operating margin9900 | €1.5m | €1.4m | €1.2m | €1.2m | €1.7m | ▲ 36.1% |
| Operating profit (loss)9901 | €94,369 | -€40,703 | -€87,217 | -€249,597 | €124,612 | ▲ 150% |
| Financial income75/76B | €18,202 | €159,328 | €6,684 | €8,747 | €12,292 | ▲ 40.5% |
| Recurring financial income75 | €18,202 | €159,328 | €6,684 | €8,747 | €12,292 | ▲ 40.5% |
| Financial charges65/66B | €51,439 | €31,791 | €32,647 | €54,264 | €97,843 | ▲ 80.3% |
| Recurring financial charges65 | €51,439 | €31,791 | €32,647 | €54,264 | €97,843 | ▲ 80.3% |
| Profit (loss) for the period before taxes9903 | €61,131 | €86,834 | -€113,180 | -€295,115 | €39,061 | ▲ 113% |
| Income taxes67/77 | €67,562 | €18,260 | €12,500 | €65,266 | €32,812 | ▼ 49.7% |
| Profit (loss) for the period9904 | -€6,430 | €68,574 | -€125,680 | -€360,381 | €6,249 | ▲ 102% |
| Transfer from tax-exempt reserves789 | €137,374 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €130,944 | €68,574 | -€125,680 | -€360,381 | €6,249 | ▲ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.2m | €5.6m | €4.0m | €4.4m | €5.7m | ▲ 29.1% |
| Fixed assets21/28 | €365,231 | €265,560 | €183,038 | €168,612 | €446,379 | ▲ 165% |
| Intangible fixed assets21 | €7,000 | - | €1,204 | €777 | €529 | ▼ 31.9% |
| Tangible fixed assets22/27 | €356,473 | €263,801 | €180,075 | €166,077 | €444,091 | ▲ 167% |
| Plant, machinery and equipment23 | €156,363 | €152,882 | €120,810 | €109,348 | €87,903 | ▼ 19.6% |
| Furniture and vehicles24 | €144,989 | €99,208 | €58,569 | €56,728 | €356,189 | ▲ 528% |
| Other tangible fixed assets26 | €55,121 | €11,711 | €696 | €0 | - | - |
| Financial fixed assets28 | €1,759 | €1,759 | €1,759 | €1,759 | €1,759 | = |
| Current assets29/58 | €4.8m | €5.3m | €3.9m | €4.3m | €5.3m | ▲ 23.8% |
| Amounts receivable after more than one year29 | €467,159 | - | - | - | - | - |
| Other amounts receivable291 | €467,159 | - | - | - | - | - |
| Stocks and contracts in progress3 | €747,869 | €924,992 | €987,419 | €768,165 | €749,847 | ▼ 2.4% |
| Stocks30/36 | €747,869 | €924,992 | €987,419 | €768,165 | €749,847 | ▼ 2.4% |
| Amounts receivable within one year40/41 | €3.3m | €3.6m | €2.5m | €3.3m | €4.3m | ▲ 31.2% |
| Trade receivables40 | €206,719 | €172,716 | €230,123 | €221,204 | €414,405 | ▲ 87.3% |
| Other amounts receivable41 | €3.1m | €3.5m | €2.3m | €3.1m | €3.9m | ▲ 27.1% |
| Current investments50/53 | €100,000 | €99,996 | - | - | - | - |
| Cash at bank and in hand54/58 | €175,680 | €662,540 | €244,546 | €202,075 | €178,959 | ▼ 11.4% |
| Deferred charges and accrued income490/1 | €14,806 | €14,927 | €124,973 | €9,159 | €40,093 | ▲ 338% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.2m | €5.6m | €4.0m | €4.4m | €5.7m | ▲ 29.1% |
| Equity10/15 | €1.0m | €1.1m | €991,570 | €631,189 | €637,437 | ▲ 1.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | - | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | - | - | - |
| Reserves13 | €249,860 | €249,860 | €249,860 | €249,860 | €249,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €248,000 | €248,000 | €248,000 | €248,000 | €248,000 | = |
| Profit (loss) carried forward14 | €792,616 | €861,190 | €735,510 | €375,129 | €381,377 | ▲ 1.7% |
| Provisions and deferred taxes16 | €160,000 | €160,000 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €160,000 | €160,000 | - | - | - | - |
| Major repairs and maintenance162 | €160,000 | €160,000 | - | - | - | - |
| Amounts payable17/49 | €4.0m | €4.3m | €3.0m | €3.8m | €5.1m | ▲ 33.8% |
| Amounts payable after more than one year17 | €110,303 | €52,112 | €13,902 | €40,045 | €134,694 | ▲ 236% |
| Financial debts170/4 | €110,303 | €52,112 | €13,902 | €40,045 | €134,694 | ▲ 236% |
| Amounts payable within one year42/48 | €3.7m | €4.3m | €3.0m | €3.8m | €5.0m | ▲ 31.8% |
| Current portion of amounts payable after more than one year42 | €130,292 | €88,846 | €98,270 | €176,618 | €83,657 | ▼ 52.6% |
| Financial debts43 | €300,000 | - | - | - | - | - |
| Credit institutions430/8 | €300,000 | - | - | - | - | - |
| Trade debts44 | €2.2m | €2.8m | €2.5m | €3.0m | €4.2m | ▲ 42.5% |
| Suppliers440/4 | €2.2m | €2.8m | €2.5m | €3.0m | €4.2m | ▲ 42.5% |
| Taxes, remuneration and social security45 | €228,989 | €196,166 | €212,486 | €225,825 | €270,595 | ▲ 19.8% |
| Taxes450/3 | €6,987 | €6,772 | €4,664 | €0 | €28,308 | - |
| Remuneration and social security454/9 | €222,003 | €189,394 | €207,822 | €225,825 | €242,287 | ▲ 7.3% |
| Other amounts payable47/48 | €887,304 | €1.2m | €206,971 | €382,298 | €363,233 | ▼ 5.0% |
| Accrued charges and deferred income492/3 | €119,710 | €3,354 | - | €7,702 | €4,028 | ▼ 47.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,430 | €68,574 | -€125,680 | -€360,381 | €6,249 | ▲ 102% |
| + Depreciation and write-downs630 | €136,122 | €140,368 | €89,644 | €77,205 | €82,247 | ▲ 6.5% |
| Operating cash flow (approximation) | €129,691 | €208,942 | -€36,036 | -€283,176 | €88,495 | ▲ 131% |
| Investment in fixed assets (approximation) | - | -€40,697 | -€7,122 | -€62,779 | -€360,014 | ▼ 473% |
| Change in cash | - | €486,860 | -€417,994 | -€42,471 | -€23,116 | ▲ 45.6% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €6,249
Net result €6,249 after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 208 days late
2024
31-12
Financial
Weakest financial yearnet -€360,381
Net result drops to -€360,381, the lowest in the series; recovery starts the following year.
2023
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 108 days late
2022
31-12
Financial
Back to profitnet €68,574
Net result €68,574 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 37 days late
2020
31-12
Financial
Equity above €1mEq €1.1m ▲5.7%
3 profitable years in a row build equity to €1.1m.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 53 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2011
Ground area
2,425 m²
Building footprint
133 m²
Volume, LiDAR
1,027 m³
Parcel 56058B0476/00K000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de Copenhague 505, 7000 Mons
since 20112.210.032.954
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B0476/00K000 | Wallonia | 2,425 m² | 1 · 133 m² | 9.4 m · 3 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.
Structure & network
Owners and holdings
1 ownerChain of control
- U.BARTOLAS
- JUBARTOLAS
Highest known parent: U.BARTOLAS. The sources do not say who stands above it.
Owners 1
- U.BARTOLASparentSourceaccounts U.BARTOLAS 202399%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyMons2.210.032.954
Legal Entity Identifier
967600OUAONRKODIA937
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 2,832 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
Founded28-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
info@market-shape.be
Phone
065/328.570
Fax
065/360.379
E-invoicing
Reachable via Peppol
Peppol ID
0208:0837352104
Also
9925:BE0837352104
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.