WILLIAM JACOBS
ActiveWILLIAM JACOBS has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €3k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▲+13
Solvency100▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 12.56 against 1.47 in 2024), and 3.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 10
Relative position
BE, all sectors
reference
Sector 10
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
96.7%
Return on assets
2.6%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
22 d early
2023
42 d early
2022
31 d early
2021
47 d early
2020
on the day
2019
6 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€129k▼ 1.4%
2024 · €131k
2018: €69k
2019: €74k
2020: €90k
2021: €105k
2022: €131k
2023: €132k
2024: €131k
2018 → 2025
Total assets
€133k▼ 27.4%
2024 · €184k
2018: €194k
2019: €173k
2020: €169k
2021: €166k
2022: €185k
2023: €211k
2024: €184k
2018 → 2025
Net result
€3k
2024 · €-56
2018: €-801
2019: €6k
2020: €16k
2021: €16k
2022: €27k
2023: €2k
2024: €-56
2018 → 2025
Working capital
€50k▲ 108%
2024 · €24k
2018: €56k
2019: €63k
2020: €82k
2021: €77k
2022: €44k
2023: €5k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€131k▲ 24.8%€132k▲ 0.9%€131k▼ 0.7%€129k▼ 1.4%
Operating result€25k-€34k▲ 33.5%€5k▼ 86.2%€1k▼ 68.3%€7k▲ 359%
Net result€16k-€27k▲ 69.6%€2k▼ 92.5%€-56€3k
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 359% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€78k▼ 26.8%
Current assets
€55k▼ 28.2%
Equity and liabilities €133k
Equity
€129k▼ 1.4%
Debt
€4k▼ 91.7%
The debt ratio falls from 28.7% to 3.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€37k▲
2024 · €32k
Cash flow
€33k▲
2024 · €30k
Solvency
96.7%▲
2024 · 71.3%
Current ratio
12.56▲
2024 · 1.47
Quick ratio
11.69▲
2024 · 1.39
Debt / equity
0.03▼
2024 · 0.40
ROE
2.7%▲
2024 · 0.0%
ROA
2.6%▲
2024 · 0.0%
Interest coverage
13.61▼
2024 · 16.34
Debt
€4k▼
2024 · €53k
Debt ≤ 1 year
€4k▼
2024 · €52k
Income taxes
€1k▲
2024 · €0
Staff costs
€9k▲
2024 · €8k
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€184k€133k▼
Fixed assets21/28€107k€78k▼
Tangible fixed assets22/27€107k€78k▼
Plant, machinery and equipment23€41k€25k▼
Furniture and vehicles24€33k€24k▼
Other tangible fixed assets26€33k€29k▼
Current assets29/58€76k€55k▼
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€788€1k▲
Trade receivables40€781€0▼
Other amounts receivable41€7€1k▲
Current investments50/53€45k€5k▼
Cash at bank and in hand54/58€21k€40k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€184k€133k▼
Equity10/15€131k€129k▼
Contributions10/11€19k€19k=
Reserves13€112k€110k▼
Distributable reserves133€112k€110k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€4k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€52k€4k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€764€792▲
Remuneration and social security454/9€741€343▼
Other amounts payable47/48€39k€1k▼
Accrued charges and deferred income492/3€657€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€8k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▼
Other operating charges640/8€680€982▲
Non-recurring operating charges66A€76€0▼
Gross operating margin9900€40k€47k▲
Operating profit (loss)9901€1k€7k▲
Financial income75/76B€415€853▲
Recurring financial income75€415€853▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-56€5k▲
Income taxes67/77€0€1k▲
Profit (loss) for the period9904€-56€3k▲
Profit (loss) for the period to be appropriated9905€-56€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56€3k▲
Transfer from equity791/2€889€5k▲
Transfer to equity691/2€0€3k▲
To other reserves6921€0€3k▲
Profit to be distributed694/7€833€5k▲
Return on contributions (dividend)694€833€5k▲
The notes to these accounts (8 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-09
Financial
Liquidity times 9current ratio 12.56
Current ratio from 1.47 to 12.56; short-term debt falls from €52k to €4k.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €27k ▲69.6%
Operating result €34k, net result €27k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €105k ▲16.7%
3 profitable years in a row build equity to €105k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-04
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
3 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, Wingene · 1 establishment unit since 1998
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.
Guido Gezellestraat 1A8750 WingeneGround area
277 m²
Building footprint
260 m²
Volume, LiDAR
1,587 m³
Parcel 37018D1699/00H000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAKKERIJ JACOBS
since 19982.084.935.816
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018D1699/00H000 | Flanders | 277 m² | 1 · 259 m² | 10.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWingene2.084.935.816
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Of 4,200 companies in sector 10712 we hold annual accounts for 1,851. 1,572 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-1997
Fiscal year end30-09
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.