PAUL JAUBIN

Active

Private limited company (pre-2019)founded 199828 yrs activeStwg op Kortenaken 79, 3450 Geetbets, BelgiumKBO/BCE: BE 0462.850.643

PAUL JAUBIN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-32k) and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Watch Print / PDF

Checked score

Score 2025

27 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-2

Solvency0▼-2

Growth32▼-20

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.29 against 0.26 in 2024; short-term debt: 137.5% and cash: 4.4% of total assets), and equity is negative.

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

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 2025

Solvency, return and age of the figures

Solvency

-42.1%

Return on assets

-18.2%

Age of the figures

12 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 →

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €-32k

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-02-2026, 62 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

62 d early

2024

35 d early

2023

32 d early

2022

2 d early

2021

32 d early

2020

32 d early

2019

44 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

22-09-2026 today30-09-2026 close30-04-2027 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

€-32k▼ 75.9%

2024 · €-18k

2018: €-30k 2019: €3k 2020: €22k 2021: €60k 2022: €43k 2023: €-3k 2024: €-18k

2018 → 2025

Total assets

€77k▼ 4.5%

2024 · €80k

2018: €62k 2019: €82k 2020: €79k 2021: €135k 2022: €137k 2023: €94k 2024: €80k

2018 → 2025

Net result

€-14k▲ 7.8%

2024 · €-15k

2018: €-3k 2019: €33k 2020: €19k 2021: €39k 2022: €-16k 2023: €-47k 2024: €-15k

2018 → 2025

Working capital

€-75k▼ 5.5%

2024 · €-71k

2018: €-54k 2019: €-22k 2020: €-20k 2021: €0 2022: €-25k 2023: €-64k 2024: €-71k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€60k-€43k▼ 27.4%€-3k€-18k▼ 466%€-32k▼ 75.9%

Operating result€58k-€-13k€-42k▼ 232%€-10k▲ 76.2%€-8k▲ 17.8%

Net result€39k-€-16k€-47k▼ 184%€-15k▲ 67.6%€-14k▲ 7.8%

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

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €8k in 2025 against €10k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €77k

60.1%

39.9%

Fixed assets €46k▼ 16.7%

Current assets €31k▲ 22.2%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-174▼

2024 · €2k

Cash flow

€-6k▼

2024 · €-4k

Solvency

-42.1%▼

2024 · -22.9%

Current ratio

0.29▲

2024 · 0.26

Quick ratio

0.23▲

2024 · 0.15

Debt / equity

-3.37▲

2024 · -5.38

ROA

-18.2%▲

2024 · -18.8%

Interest coverage

-0.03▼

2024 · 0.29

Debt

€109k▲

2024 · €99k

Debt ≤ 1 year

€106k▲

2024 · €96k

Income taxes

€197▼

2024 · €208

Staff costs

€20k▼

2024 · €26k

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€80k€77k▼

Fixed assets21/28€55k€46k▼

Tangible fixed assets22/27€47k€40k▼

Plant, machinery and equipment23€20k€16k▼

Furniture and vehicles24€100€0▼

Other tangible fixed assets26€26k€24k▼

Financial fixed assets28€9k€6k▼

Current assets29/58€25k€31k▲

Stocks and contracts in progress3€10k€7k▼

Stocks30/36€10k€7k▼

Amounts receivable within one year40/41€11k€14k▲

Trade receivables40€7k€5k▼

Other amounts receivable41€4k€9k▲

Cash at bank and in hand54/58€479€3k▲

Deferred charges and accrued income490/1€3k€6k▲

Equity and liabilities

Total equity and liabilities10/49€80k€77k▼

Equity10/15€-18k€-32k▼

Contributions10/11€19k€19k=

Reserves13€41k€41k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€39k€39k=

Profit (loss) carried forward14€-78k€-92k▼

Amounts payable17/49€99k€109k▲

Amounts payable after more than one year17€0-

Financial debts170/4€0-

Amounts payable within one year42/48€96k€106k▲

Current portion of amounts payable after more than one year42€159€0▼

Financial debts43€17k€16k▼

Credit institutions430/8€17k€16k▼

Trade debts44€65k€78k▲

Suppliers440/4€65k€77k▲

Bills of exchange payable441-€1k

Taxes, remuneration and social security45€13k€11k▼

Taxes450/3€1k€2k▲

Remuneration and social security454/9€11k€9k▼

Other amounts payable47/48€2k€0▼

Accrued charges and deferred income492/3€3k€4k▲

Income statement Code20242025

Remuneration, social security and pensions62€26k€20k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼

Other operating charges640/8€2k€2k▲

Gross operating margin9900€29k€22k▼

Operating profit (loss)9901€-10k€-8k▲

Financial income75/76B€350€342▼

Recurring financial income75€350€342▼

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€-15k€-14k▲

Income taxes67/77€208€197▼

Profit (loss) for the period9904€-15k€-14k▲

Profit (loss) for the period to be appropriated9905€-15k€-14k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-78k€-92k▼

Profit (loss) brought forward from the previous period14P€-63k€-78k▼

The notes to these accounts (12 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 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

19-08

State Gazette act Registered office

Board meeting · Registered-office move2 facts ▸

Board meeting, 2026-07-24
Registered-office move, Steenweg op Kortenaken 79 te 3450 Geetbets

27-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

26-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Weakest financial yearnet €-47k

Net result drops to €-47k, the lowest in the series; recovery starts the following year.

28-04

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

30-09

Financial Highest result since 2018net €39k ▲107%

Operating result €58k, net result €39k, both a record.

29-03

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

17-03

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

30-09

Financial Back to profitnet €33k

Net result €33k after one loss-making year.

23-04

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

05-04

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

31-03

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Geetbets · 1 establishment unit since 2020

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.

Stwg op Kortenaken 793450 Geetbets

Ground area

5,524 m²

Building footprint

296 m²

Volume, LiDAR

1,831 m³

Parcel 24028F0251/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Stwg op Kortenaken 79, 3450 Geetbets

Artisanal bread and fresh pastry making

since 20202.298.967.009

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24028F0251/00M000	Flanders	5,524 m²	1 · 296 m²	8.8 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.

Similar companies · same sector, comparable size

Sint-Niklaas · Eq €43k

Hoogstraten · Eq €44k

Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 925 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded10-03-1998

Fiscal year end30-09

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

15812

47241Retail sale of bread and pastry (bakery outlets)

52240

Sources

Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.