Martine Jacobs
ActiveMartine Jacobs has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €15k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 48.51 against 5.92 in 2024; short-term debt: 1.9% and cash: 33% of total assets), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 47
higher
← 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
98.1%
Return on assets
14.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
27 d late
2021
25 d late
2020
19 d late
2019
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€51k
EBIT margin
27.8%
Net result
€15k▼ 2.1%
2024 · €15k
2019: €2k
2020: €9k
2021: €14k
2022: €10k
2023: €11k
2024: €15k
2019 → 2025
Working capital
€95k▲ 19.9%
2024 · €79k
2019: €26k
2020: €36k
2021: €50k
2022: €60k
2023: €69k
2024: €79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€51k-
Equity€50k-€60k▲ 19.7%€72k▲ 19.0%€87k▲ 20.8%€101k▲ 16.9%
Operating result€14k-€22k▲ 51.2%€15k▼ 31.0%€21k▲ 42.3%€22k▲ 1.8%
Net result€14k-€10k▼ 27.9%€11k▲ 15.2%€15k▲ 30.4%€15k▼ 2.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€6k▼ 15.1%
Current assets
€97k▲ 1.8%
Equity and liabilities €103k
Equity
€101k▲ 16.9%
Debt
€2k▼ 87.6%
The debt ratio falls from 15.6% to 1.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €22k
Cash flow
€16k▲
2024 · €16k
Solvency
98.1%▲
2024 · 84.4%
Current ratio
48.51▲
2024 · 5.92
Quick ratio
22.58▲
2024 · 2.73
Debt / equity
0.02▼
2024 · 0.19
ROE
14.4%▼
2024 · 17.2%
ROA
14.2%▼
2024 · 14.5%
Interest coverage
144.55
Debt
€2k▼
2024 · €16k
Debt ≤ 1 year
€2k▼
2024 · €16k
Income taxes
€7k▲
2024 · €6k
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€103k€103k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Land and buildings22€8k€6k▼
Current assets29/58€95k€97k▲
Stocks and contracts in progress3€51k€52k▲
Stocks30/36€51k€52k▲
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Other amounts receivable41€0-
Current investments50/53€11k€11k=
Cash at bank and in hand54/58€33k€34k▲
Equity and liabilities
Total equity and liabilities10/49€103k€103k▲
Equity10/15€87k€101k▲
Contributions10/11€19k€19k=
Reserves13€68k€83k▲
Distributable reserves133€68k€83k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€16k€2k▼
Amounts payable within one year42/48€16k€2k▼
Trade debts44€159€280▲
Suppliers440/4€159€280▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€14k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€622€1k▲
Other operating charges640/8-€831
Gross operating margin9900€24k€24k▼
Operating profit (loss)9901€21k€22k▲
Financial income75/76B€23€73▲
Recurring financial income75€23€73▲
Financial charges65/66B-€157
Recurring financial charges65-€157
Profit (loss) for the period before taxes9903€21k€22k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€15k€15k▼
Profit (loss) for the period to be appropriated9905€15k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€15k▼
Profit (loss) brought forward from the previous period14P€11k€0▼
Transfer to equity691/2€26k€15k▼
To other reserves6921€26k€15k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity times 8current ratio 48.51
Current ratio from 5.92 to 48.51; short-term debt falls from €16k to €2k.
30-06
Financial
Equity above €100kEq €101k ▲16.9%
7 profitable years in a row build equity to €101k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €15k ▲30.4%
Net result €15k, the highest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Boechout · 1 establishment unit since 2002
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.
Alexander Franckstraat 2702530 BoechoutGround area
216 m²
Building footprint
111 m²
Volume, LiDAR
553 m³
Parcel 11004C0204/00E003, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GIZA
since 20022.114.095.501
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004C0204/00E003 | Flanders | 216 m² | 1 · 111 m² | 6.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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SNIJERS
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Of 4,246 companies in sector 47789 we hold annual accounts for 1,021. 821 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2002
Fiscal year end30-06
Activities, NACEBEL
47789Other retail sale of new goods
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.