VANCRAEYNEST JACQUES
ActiveSummary
VANCRAEYNEST JACQUES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €2k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 30% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
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
Profitability69=
Solvency54▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.35 in 2024; short-term debt: 67.8% and cash: 13.4% of total assets), and 70.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
29.2%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 10 filingsDeviation from the deadline
2025
52 d late
2024
153 d late
2023
70 d late
2022
78 d late
2021
246 d late
2020
121 d late
2019
119 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 1.3%
2024 · €137k
2018: €113k
2019: €117k
2020: €124k
2021: €132k
2022: €136k
2023: €136k
2024: €137k
2018 → 2025
Total assets
€475k▲ 15.9%
2024 · €409k
2018: €381k
2019: €387k
2020: €442k
2021: €415k
2022: €459k
2023: €455k
2024: €409k
2018 → 2025
Net result
€2k▲ 138%
2024 · €725
2018: €15k
2019: €4k
2020: €7k
2021: €8k
2022: €4k
2023: €-357
2024: €725
2018 → 2025
Working capital
€87k▲ 0.2%
2024 · €87k
2018: €80k
2019: €87k
2020: €97k
2021: €92k
2022: €88k
2023: €86k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€136k▲ 3.3%€136k▼ 0.3%€137k▲ 0.5%€138k▲ 1.3%
Operating result€11k-€5k▼ 56.9%€7k▲ 50.4%€3k▼ 58.5%€4k▲ 45.7%
Net result€8k-€4k▼ 46.2%€-357€725€2k▲ 138%
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 46% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €475k
Fixed assets
€65k ▼ 13.0%
Current assets
€409k ▲ 22.4%
Equity and liabilities €475k
Equity
€138k ▲ 1.3%
Debt
€336k ▲ 23.3%
Debt's share of the balance-sheet total rises from 66.6% to 70.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €24k
Cash flow
€23k▲
2024 · €21k
Current ratio
1.27▼
2024 · 1.35
Quick ratio
0.99▲
2024 · 0.87
Debt to equity
2.43▲
2024 · 1.99
ROE
1.2%▲
2024 · 0.5%
ROA
0.4%▲
2024 · 0.2%
Interest coverage
14.02▲
2024 · 12.80
Debt ≤ 1 year
€322k▲
2024 · €247k
Debt > 1 year
€14k▼
2024 · €25k
Income taxes
€770▲
2024 · €515
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€409k€475k▲
Fixed assets21/28€75k€65k▼
Tangible fixed assets22/27€75k€65k▼
Plant, machinery and equipment23€41k€40k▼
Furniture and vehicles24€20k€14k▼
Other tangible fixed assets26€14k€12k▼
Current assets29/58€334k€409k▲
Stocks and contracts in progress3€120k€92k▼
Stocks30/36€46k€40k▼
Contracts in progress37€74k€52k▼
Amounts receivable within one year40/41€166k€250k▲
Trade receivables40€154k€222k▲
Other amounts receivable41€12k€28k▲
Cash at bank and in hand54/58€45k€63k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€409k€475k▲
Equity10/15€137k€138k▲
Contributions10/11€6k€6k=
Reserves13€131k€132k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€129k€130k▲
Amounts payable17/49€273k€336k▲
Amounts payable after more than one year17€25k€14k▼
Financial debts170/4€25k€14k▼
Amounts payable within one year42/48€247k€322k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€19k€77k▲
Suppliers440/4€19k€77k▲
Taxes, remuneration and social security45€154k€153k▼
Taxes450/3€941€2k▲
Remuneration and social security454/9€153k€151k▼
Other amounts payable47/48€63k€80k▲
Accrued charges and deferred income492/3€388€688▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€160k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€186€342▲
Gross operating margin9900€26k€28k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€155€52▼
Recurring financial income75€155€52▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€515€770▲
Profit (loss) for the period9904€725€2k▲
Profit (loss) for the period to be appropriated9905€725€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€725€2k▲
Transfer to equity691/2€725€2k▲
To other reserves6921€725€2k▲
The notes to these accounts (6 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
Financial
Back to profitnet €725
Net result €725 after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €-357 ▼108%
Net result drops to €-357, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 78 days late
03-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 246 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 394 days late
2019
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 192 days late
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 276 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2007
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.
Sint-Katharinastraat(Heu) 1328501 KortrijkGround area
275 m²
Building footprint
247 m²
Parcel 34016B0007/00S002, Flanders. Linked by address, not a title deed.
1 establishment unit
VANCRAEYNEST JACQUES BVBA
since 20072.163.887.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016B0007/00S002 | Flanders | 274 m² | 1 · 247 m² | - |
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
Recognised contractor
7 categoriesVANCRAEYNEST JACQUES BV36497
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 3,013 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.