PAUL & JACOBS
ActivePAUL & JACOBS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.30M and a net result of €472k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 6994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 3.07 against 3.38 in 2024; short-term debt: 14.2% and cash: 14.8% of total assets), and 16.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
83.3%
Return on assets
30.2%
Age of the figures
15 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
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 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
74 d early
2023
56 d early
2022
43 d early
2021
20 d early
2020
51 d early
2019
52 d early
← 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.30M▲ 42.3%
2024 · €915k
2019: €404k
2020: €500k
2021: €595k
2022: €638k
2023: €770k
2024: €915k
2019 → 2025
Total assets
€1.56M▲ 24.0%
2024 · €1.26M
2019: €825k
2020: €869k
2021: €946k
2022: €966k
2023: €1.12M
2024: €1.26M
2019 → 2025
Net result
€472k▲ 123%
2024 · €211k
2019: €85k
2020: €97k
2021: €142k
2022: €147k
2023: €199k
2024: €211k
2019 → 2025
Working capital
€458k▼ 32.7%
2024 · €680k
2019: €248k
2020: €353k
2021: €401k
2022: €452k
2023: €504k
2024: €680k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€595k-€638k▲ 7.2%€770k▲ 20.8%€915k▲ 18.8%€1.30M▲ 42.3%
Operating result€206k-€215k▲ 4.6%€295k▲ 37.1%€312k▲ 5.7%€675k▲ 116%
Net result€142k-€147k▲ 3.7%€199k▲ 35.5%€211k▲ 6.0%€472k▲ 123%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 116% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€884k▲ 200%
Current assets
€679k▼ 29.7%
Equity and liabilities €1.56M
Equity
€1.30M▲ 42.3%
Debt
€262k▼ 24.5%
The debt ratio falls from 27.5% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€812k▲
2024 · €369k
Cash flow
€608k▲
2024 · €268k
Solvency
83.3%▲
2024 · 72.5%
Current ratio
3.07▼
2024 · 3.38
Quick ratio
3.07▼
2024 · 3.27
Debt / equity
0.20▼
2024 · 0.38
ROE
36.3%▲
2024 · 23.1%
ROA
30.2%▲
2024 · 16.8%
Interest coverage
50.12▲
2024 · 27.75
Debt
€262k▼
2024 · €346k
Debt ≤ 1 year
€221k▼
2024 · €286k
Debt > 1 year
€38k▼
2024 · €58k
Income taxes
€213k▲
2024 · €95k
Staff costs
€74k▼
2024 · €131k
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€1.26M€1.56M▲
Fixed assets21/28€294k€884k▲
Tangible fixed assets22/27€294k€884k▲
Land and buildings22€201k€832k▲
Plant, machinery and equipment23€21k€4k▼
Furniture and vehicles24€60k€45k▼
Leasing and similar rights25€12k€2k▼
Current assets29/58€967k€679k▼
Stocks and contracts in progress3€29k€0▼
Stocks30/36€29k€0▼
Amounts receivable within one year40/41€112k€22k▼
Trade receivables40€112k€22k▼
Other amounts receivable41-€130
Current investments50/53€349k€415k▲
Cash at bank and in hand54/58€463k€232k▼
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.56M▲
Equity10/15€915k€1.30M▲
Contributions10/11€19k€19k=
Reserves13€896k€1.28M▲
Tax-exempt reserves132€12k€12k=
Distributable reserves133€884k€1.27M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€346k€262k▼
Amounts payable after more than one year17€58k€38k▼
Financial debts170/4€58k€38k▼
Amounts payable within one year42/48€286k€221k▼
Current portion of amounts payable after more than one year42€24k€20k▼
Trade debts44€23k€3k▼
Suppliers440/4€23k€3k▼
Taxes, remuneration and social security45€74k€65k▼
Taxes450/3€52k€60k▲
Remuneration and social security454/9€22k€5k▼
Other amounts payable47/48€166k€134k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€375€59k▲
Remuneration, social security and pensions62€131k€74k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€136k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-621
Other operating charges640/8€6k€7k▲
Gross operating margin9900€506k€892k▲
Operating profit (loss)9901€312k€675k▲
Financial income75/76B€8k€26k▲
Recurring financial income75€8k€26k▲
Financial charges65/66B€13k€16k▲
Recurring financial charges65€13k€16k▲
Profit (loss) for the period before taxes9903€307k€685k▲
Income taxes67/77€95k€213k▲
Profit (loss) for the period9904€211k€472k▲
Profit (loss) for the period to be appropriated9905€211k€472k▲
Appropriation of the result
Profit (loss) to be appropriated9906€211k€472k▲
Transfer from equity791/2€67k€85k▲
Transfer to equity691/2€211k€472k▲
To other reserves6921€211k€472k▲
Profit to be distributed694/7€67k€85k▲
Return on contributions (dividend)694€67k€85k▲
The notes to these accounts (10 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €472k ▲123%
Operating result €675k, net result €472k, both a record.
30-06
Financial
Equity above €1MEq €1.30M ▲42.3%
7 profitable years in a row build equity to €1.30M.
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €500kEq €500k ▲24%
2 profitable years in a row build equity to €500k.
2019
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
24-12
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.
Directors · office · real estate
Directors
6 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, Harelbeke · 1 establishment unit since 2005
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.
Eerste Aardstraat 1A8531 HarelbekeGround area
2,362 m²
Building footprint
182 m²
Volume, LiDAR
866 m³
Parcel 34004A0132/00D000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Paul & Jacobs
since 20052.146.327.908
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34004A0132/00D000 | Flanders | 2,362 m² | 1 · 182 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
2025 · 3 entries · 4,420 EUR awarded · 4,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 4,420 EUR | 4,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Bijkomende retroactieve investeringspremie voor eigenaars van een warmtepomp én zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,863 companies in sector 73110 we hold annual accounts for 3,754. 1,358 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2005
Fiscal year end30-06
Activities, NACEBEL
73110Advertising agencies
74401
62100Computer programming
68201Renting and operating of own or leased residential real estate, excluding social housing
70210Activities of head offices; management consultancy activities
73120Media representation
73300Public relations and communication consultancy
74120Graphic design and visual communication
74141
74402
81100Combined facilities support activities
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:hello@paulandjacobs.eu