Tine Jacobs
ActiveThe computed 12-month bankruptcy probability of Tine Jacobs is 1.7% (moderate). The 2025 annual accounts show equity of €3k and a net result of €41k. Equity is shrinking by ~19.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 25% of 18039 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency29▲+1
Growth58=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
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
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 · 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 · 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
3.9%
Return on assets
53.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 18039 sector peers (2025).
NBB · sector comparisonPosition among 18039 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
24 d late
2024
49 d early
2023
37 d early
2022
54 d early
2021
41 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2021: €9k
2022: €28k
2023: €54k
2024: €3k
2021 → 2025
Total assets
€76k▼ 32.6%
2024 · €113k
2021: €25k
2022: €75k
2023: €96k
2024: €113k
2021 → 2025
Net result
€41k▲ 79.3%
2024 · €23k
2021: €6k
2022: €19k
2023: €26k
2024: €23k
2021 → 2025
Working capital
€-2k▲ 17.9%
2024 · €-3k
2021: €9k
2022: €23k
2023: €49k
2024: €-3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€28k▲ 212%€54k▲ 91.5%€3k▼ 94.4%€3k=
Operating result€5k-€26k▲ 366%€34k▲ 33.1%€29k▼ 14.7%€54k▲ 85.8%
Net result€6k-€19k▲ 217%€26k▲ 34.7%€23k▼ 11.6%€41k▲ 79.3%
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 86% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€11k▼ 33.9%
Current assets
€65k▼ 32.4%
Equity and liabilities €76k
Equity
€3k=
Debt
€73k▼ 33.5%
The debt ratio falls from 97.3% to 96.1%. Debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €34k
Cash flow
€46k▲
2024 · €28k
Solvency
3.9%▲
2024 · 2.7%
Current ratio
0.97▼
2024 · 0.97
Quick ratio
0.97▼
2024 · 0.97
Debt / equity
24.35▼
2024 · 36.62
ROA
53.6%▲
2024 · 20.1%
Interest coverage
39.81▲
2024 · 21.72
Debt
€73k▼
2024 · €110k
Debt ≤ 1 year
€67k▼
2024 · €99k
Debt > 1 year
€5k▼
2024 · €11k
Income taxes
€12k▲
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €76k, equity €3k).
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€113k€76k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€17k€11k▼
Furniture and vehicles24€17k€11k▼
Current assets29/58€96k€65k▼
Amounts receivable within one year40/41€6k€306▼
Trade receivables40-€306
Other amounts receivable41€6k-
Current investments50/53€7k€19k▲
Cash at bank and in hand54/58€82k€45k▼
Deferred charges and accrued income490/1€945€698▼
Equity and liabilities
Total equity and liabilities10/49€113k€76k▼
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Amounts payable17/49€110k€73k▼
Amounts payable after more than one year17€11k€5k▼
Financial debts170/4€11k€5k▼
Amounts payable within one year42/48€99k€67k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€3k-
Other loans439€3k-
Trade debts44€39k€17k▼
Suppliers440/4€39k€17k▼
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€48k€38k▼
Accrued charges and deferred income492/3€300€400▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€940€967▲
Gross operating margin9900€35k€61k▲
Operating profit (loss)9901€29k€54k▲
Financial income75/76B€520€411▼
Recurring financial income75€520€411▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€28k€53k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€23k€41k▲
Profit (loss) for the period to be appropriated9905€23k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€41k▼
Profit (loss) brought forward from the previous period14P€51k-
Profit to be distributed694/7€74k€41k▼
Return on contributions (dividend)694€74k€41k▼
The notes to these accounts (5 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2021net €41k ▲79.3%
Operating result €54k, net result €41k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Putte · 1 establishment unit since 2021
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.
Rechtestraat 2 A2580 PutteGround area
700 m²
Building footprint
134 m²
Volume, LiDAR
1,045 m³
Parcel 12029D0697/00V000, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tine Jacobs
since 20212.321.286.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029D0697/00V000 | Flanders | 700 m² | 1 · 134 m² | 9.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePutte2.321.286.709
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Of 3,240 companies in sector 47781 we hold annual accounts for 744. 151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2021
Fiscal year end31-12
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.