NICO4JACO
ActiveSummary
The computed 12-month bankruptcy probability of NICO4JACO is 5.1% (elevated). The 2025 annual accounts show negative equity (-€318,258) and a net result of -€88,998. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 10645 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.25 against 0.34 in 2024; short-term debt: 181.3% and cash: 8.8% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
-98.9%
Return on assets
-27.7%
Age of the figures
9 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€318,258
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 5 filingsDeviation from the deadline
2025
3 d late
2024
on the day
2023
22 d late
2022
134 d late
2021
86 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 49 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 23 August (4 of the last 5 filed years within 63 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€88,998▲ 34.5%
2024 · -€135,804
Working capital
-€438,881▼ 28.6%
2024 · -€341,306
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€62,765--€2,392▲ 96.2%-€85,255▼ 3,464%-€116,155▼ 36.2%-€75,154▲ 35.3%
Net result-€74,586below the sector's middle half--€21,360below the sector's middle half▲ 71.4%-€101,508below the sector's middle half▼ 375%-€135,804below the sector's middle half▼ 33.8%-€88,998below the sector's middle half▲ 34.5%
Equity€29,414below the sector's middle half-€8,053below the sector's middle half▼ 72.6%-€93,455below the sector's middle half-€229,259below the sector's middle half▼ 145%-€318,258below the sector's middle half▼ 38.8%
Total assets€461,569within the sector's middle half-€422,253within the sector's middle half▼ 8.5%€475,543within the sector's middle half▲ 12.6%€389,014below the sector's middle half▼ 18.2%€321,874below the sector's middle half▼ 17.3%
Debt€432,155-€414,199▼ 4.2%€568,998▲ 37.4%€618,274▲ 8.7%€640,132▲ 3.5%
Working capital-€55,631below the sector's middle half--€89,922below the sector's middle half▼ 61.6%-€199,717below the sector's middle half▼ 122%-€341,306below the sector's middle half▼ 70.9%-€438,881below the sector's middle half▼ 28.6%
Solvency6.4%below the sector's middle half-1.9%below the sector's middle half▼ 4.5pp-19.7%below the sector's middle half▼ 21.6pp-58.9%below the sector's middle half▼ 39.3pp-98.9%below the sector's middle half▼ 39.9pp
Current ratio0.70below the sector's middle half-0.58below the sector's middle half▼ 0.120.52below the sector's middle half▼ 0.060.34below the sector's middle half▼ 0.190.25below the sector's middle half▼ 0.09
Return on assets (ROA)-16.2%below the sector's middle half--5.1%below the sector's middle half▲ 11.1pp-21.3%below the sector's middle half▼ 16.3pp-34.9%below the sector's middle half▼ 13.6pp-27.7%below the sector's middle half▲ 7.3pp
Staff (FTE)6.9within the sector's middle half-7.3within the sector's middle half▲ 5.8%6.8within the sector's middle half▼ 6.8%6.2within the sector's middle half▼ 8.8%7.2within the sector's middle half▲ 16.1%
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 stays negative: a loss of €75,154 in 2025 against €116,155 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €321,874
Fixed assets
€177,250 ▼ 18.1%
Current assets
€144,624 ▼ 16.2%
Equity and liabilities
Equity-€318,258
Debt€640,132
Equity is negative: debt (€640,132) exceeds the balance-sheet total (€321,874).
Key figures and ratios
EBITDA
-€31,331▲
2024 · -€73,063
Cash flow
-€45,175▲
2024 · -€92,712
Quick ratio
0.13▼
2024 · 0.21
Interest coverage
-1.81▲
2024 · -3.50
Debt ≤ 1 year
€583,505▲
2024 · €513,913
Debt > 1 year
€56,627▼
2024 · €104,361
Staff costs
€288,428▲
2024 · €259,859
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 5.1% 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 497,341 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% | 1.8% |
| 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 6,010 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €208,753 | €231,565 | €248,819 | €259,859 | €288,428 | ▲ 11.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,862 | €42,155 | €42,992 | €43,092 | €43,823 | ▲ 1.7% |
| Other operating charges640/8 | €5,996 | €1,276 | €8,233 | €1,075 | €5,596 | ▲ 420% |
| Gross operating margin9900 | €190,846 | €272,604 | €214,788 | €187,871 | €262,693 | ▲ 39.8% |
| Operating profit (loss)9901 | -€62,765 | -€2,392 | -€85,255 | -€116,155 | -€75,154 | ▲ 35.3% |
| Financial income75/76B | - | €275 | €443 | €1,637 | €3,797 | ▲ 132% |
| Recurring financial income75 | - | €275 | €443 | €1,583 | €3,797 | ▲ 140% |
| Non-recurring financial income76B | - | - | - | €54 | - | - |
| Financial charges65/66B | €11,821 | €19,244 | €16,696 | €21,286 | €17,641 | ▼ 17.1% |
| Recurring financial charges65 | €11,821 | €19,116 | €16,208 | €20,863 | €17,278 | ▼ 17.2% |
| Non-recurring financial charges66B | - | €128 | €488 | €423 | €364 | ▼ 14.1% |
| Profit (loss) for the period before taxes9903 | -€74,586 | -€21,360 | -€101,508 | -€135,804 | -€88,998 | ▲ 34.5% |
| Profit (loss) for the period9904 | -€74,586 | -€21,360 | -€101,508 | -€135,804 | -€88,998 | ▲ 34.5% |
| Profit (loss) for the period to be appropriated9905 | -€74,586 | -€21,360 | -€101,508 | -€135,804 | -€88,998 | ▲ 34.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €461,569 | €422,253 | €475,543 | €389,014 | €321,874 | ▼ 17.3% |
| Formation expenses20 | €866 | €431 | - | - | - | - |
| Fixed assets21/28 | €327,915 | €295,189 | €257,628 | €216,408 | €177,250 | ▼ 18.1% |
| Intangible fixed assets21 | €326,519 | €285,990 | €245,461 | €204,932 | €164,403 | ▼ 19.8% |
| Tangible fixed assets22/27 | €1,024 | €8,827 | €6,795 | €8,541 | €10,347 | ▲ 21.1% |
| Furniture and vehicles24 | €1,024 | €8,827 | €6,795 | €8,541 | €10,347 | ▲ 21.1% |
| Financial fixed assets28 | €372 | €372 | €5,372 | €2,935 | €2,500 | ▼ 14.8% |
| Current assets29/58 | €132,788 | €126,633 | €217,915 | €172,607 | €144,624 | ▼ 16.2% |
| Stocks and contracts in progress3 | €76,475 | €74,745 | €83,227 | €65,621 | €70,287 | ▲ 7.1% |
| Stocks30/36 | €76,475 | €74,745 | €83,227 | €65,621 | €70,287 | ▲ 7.1% |
| Amounts receivable within one year40/41 | €12,070 | €13,224 | €41,967 | €58,179 | €45,991 | ▼ 20.9% |
| Trade receivables40 | €10,000 | €8,624 | €36,980 | €47,064 | €43,033 | ▼ 8.6% |
| Other amounts receivable41 | €2,070 | €4,600 | €4,987 | €11,114 | €2,958 | ▼ 73.4% |
| Cash at bank and in hand54/58 | €37,319 | €38,300 | €92,639 | €48,724 | €28,346 | ▼ 41.8% |
| Deferred charges and accrued income490/1 | €6,924 | €363 | €82 | €82 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €461,569 | €422,253 | €475,543 | €389,014 | €321,874 | ▼ 17.3% |
| Equity10/15 | €29,414 | €8,053 | -€93,455 | -€229,259 | -€318,258 | ▼ 38.8% |
| Contributions10/11 | €104,000 | €104,000 | €104,000 | €104,000 | €104,000 | = |
| Profit (loss) carried forward14 | -€74,586 | -€95,947 | -€197,455 | -€333,259 | -€422,258 | ▼ 26.7% |
| Amounts payable17/49 | €432,155 | €414,199 | €568,998 | €618,274 | €640,132 | ▲ 3.5% |
| Amounts payable after more than one year17 | €243,223 | €197,644 | €151,366 | €104,361 | €56,627 | ▼ 45.7% |
| Financial debts170/4 | €243,223 | €197,644 | €151,366 | €104,361 | €56,627 | ▼ 45.7% |
| Amounts payable within one year42/48 | €188,419 | €216,555 | €417,632 | €513,913 | €583,505 | ▲ 13.5% |
| Current portion of amounts payable after more than one year42 | €44,883 | €45,579 | €46,278 | €47,005 | €47,734 | ▲ 1.6% |
| Trade debts44 | €105,250 | €137,417 | €326,917 | €426,823 | €505,704 | ▲ 18.5% |
| Suppliers440/4 | €105,250 | €137,417 | €326,917 | €426,823 | €505,704 | ▲ 18.5% |
| Advances received on contracts in progress46 | - | €975 | - | - | - | - |
| Taxes, remuneration and social security45 | €37,431 | €32,583 | €44,437 | €40,085 | €28,748 | ▼ 28.3% |
| Taxes450/3 | €1,963 | €1,951 | €695 | €822 | €1,592 | ▲ 93.7% |
| Remuneration and social security454/9 | €35,469 | €30,633 | €43,742 | €39,263 | €27,156 | ▼ 30.8% |
| Other amounts payable47/48 | €855 | €1 | - | - | €1,318 | - |
| Accrued charges and deferred income492/3 | €513 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€74,586 | -€21,360 | -€101,508 | -€135,804 | -€88,998 | ▲ 34.5% |
| + Depreciation and write-downs630 | €38,862 | €42,155 | €42,992 | €43,092 | €43,823 | ▲ 1.7% |
| Operating cash flow (approximation) | -€35,725 | €20,794 | -€58,517 | -€92,712 | -€45,175 | ▲ 51.3% |
| Investment in fixed assets (approximation) | - | -€9,428 | -€5,431 | -€1,872 | -€4,665 | ▼ 149% |
| Change in cash | - | €981 | €54,339 | -€43,915 | -€20,378 | ▲ 53.6% |
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€135,804
Net result drops to -€135,804, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 134 days late
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 86 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 2020
Ground area
851 m²
Building footprint
777 m²
Volume, LiDAR
4,360 m³
Parcel 21614H0008/00G036, Brussels · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Waterloosesteenweg 1469, 1180 Ukkel
since 20202.310.622.053
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0008/00G036 | Brussels | 851 m² | 1 · 777 m² | 12.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkel2.310.622.053
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Of 10,504 companies in this sector we hold annual accounts for 5,855. 1,946 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded15-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
56210Event catering
10850Manufacture of food products
46389Wholesale of other food products
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail
delitraiteur.fortjaco@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759783083
Also
9925:BE0759783083
Registered
11-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.