Karel Jacobs

Active

Private limited companyfounded 20224 yrs activeKriesberg 60, 3221 Holsbeek, BelgiumKBO/BCE: BE 0785.262.213

Karel Jacobs has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Watch Print / PDF

Checked score

Score 2025

53 / 100

Fair▼ -40 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+3

Solvency18▼-82

Growth68▲+16

Stability94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity short (current ratio 0.94 against 3.92 in 2024), and 87.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

12.8%

Return on assets

31.4%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31527 sector peers (2025).

NBB · sector comparison

Position among 31527 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

18 d early

2024

59 d early

2023

28 d late

2022

7 d early

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€17k▼ 80.4%

2024 · €85k

2022: €17k 2023: €68k 2024: €85k

2022 → 2025

Total assets

€129k▲ 23.6%

2024 · €105k

2022: €43k 2023: €118k 2024: €105k

2022 → 2025

Net result

€41k▲ 149%

2024 · €16k

2022: €16k 2023: €52k 2024: €16k

2022 → 2025

Working capital

€-7k

2024 · €58k

2022: €12k 2023: €45k 2024: €58k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€17k-€68k▲ 313%€85k▲ 23.9%€17k▼ 80.4%

Operating result€24k-€68k▲ 185%€24k▼ 65.2%€53k▲ 124%

Net result€16k-€52k▲ 214%€16k▼ 68.4%€41k▲ 149%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 124% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €129k

18.4%

81.6%

Fixed assets €24k▼ 8.3%

Current assets €105k▲ 35.0%

Equity and liabilities €129k

12.8%

87.2%

Equity €17k▼ 80.4%

Debt €113k▲ 465%

The debt ratio rises from 19.1% to 87.2%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€57k▲

2024 · €27k

Cash flow

€44k▲

2024 · €20k

Solvency

12.8%▼

2024 · 80.9%

Current ratio

0.94▼

2024 · 3.92

Quick ratio

0.94▼

2024 · 3.92

Debt / equity

6.81▲

2024 · 0.24

ROE

245.5%▲

2024 · 19.3%

ROA

31.4%▲

2024 · 15.6%

Interest coverage

41.67▲

2024 · 11.30

Debt

€113k▲

2024 · €20k

Debt ≤ 1 year

€113k▲

2024 · €20k

Income taxes

€11k▲

2024 · €5k

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€105k€129k▲

Formation expenses20€454€0▼

Fixed assets21/28€26k€24k▼

Tangible fixed assets22/27€26k€24k▼

Plant, machinery and equipment23€3k€747▼

Furniture and vehicles24-€1k

Other tangible fixed assets26€23k€22k▼

Current assets29/58€78k€105k▲

Amounts receivable within one year40/41€1k€48k▲

Trade receivables40-€48k

Other amounts receivable41€1k€0▼

Cash at bank and in hand54/58€76k€40k▼

Deferred charges and accrued income490/1€496€17k▲

Equity and liabilities

Total equity and liabilities10/49€105k€129k▲

Equity10/15€85k€17k▼

Contributions10/11€100€100=

Reserves13€85k€16k▼

Distributable reserves133€85k€16k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€20k€113k▲

Amounts payable within one year42/48€20k€113k▲

Financial debts43-€111

Credit institutions430/8-€111

Trade debts44€1k€2k▲

Suppliers440/4€1k€2k▲

Taxes, remuneration and social security45€8k€12k▲

Taxes450/3€8k€12k▲

Other amounts payable47/48€11k€98k▲

Income statement Code20242025

Non-recurring operating income76A-€314

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€87€463▲

Gross operating margin9900€28k€57k▲

Operating profit (loss)9901€24k€53k▲

Financial income75/76B-€9

Recurring financial income75-€9

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€21k€52k▲

Income taxes67/77€5k€11k▲

Profit (loss) for the period9904€16k€41k▲

Profit (loss) for the period to be appropriated9905€16k€41k▲

Appropriation of the result

Profit (loss) to be appropriated9906€16k€41k▲

Transfer from equity791/2-€68k

Transfer to equity691/2€16k€0▼

To other reserves6921€16k€0▼

Profit to be distributed694/7-€109k

Return on contributions (dividend)694-€109k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

13-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

02-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €16k ▼68.4%

Net result drops to €16k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 3.92

Current ratio from 1.89 to 3.92; short-term debt falls from €50k to €20k.

28-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 28 days late

2023

31-12

Financial Highest result since 2022net €52k ▲214%

Operating result €68k, net result €52k, both a record.

24-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Holsbeek · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Kriesberg 603221 Holsbeek

Ground area

5,004 m²

Building footprint

152 m²

Volume, LiDAR

461 m³

Parcel 24080B0016/00X003, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Karel Jacobs

Kriesberg 60, 3221 HolsbeekBusiness consulting

since 20222.330.856.055

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24080B0016/00X003	Flanders	5,004 m²	1 · 152 m²	8.4 m · 1 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

HR SUPPORT

BE 0797.058.007

Les Bons Villers · Eq €17k

Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 28,409 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-04-2022

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

64200Holdings

64210Activities of holding companies

68110Buying and selling of own real estate

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.