ETABLISSEMENTS JACO
ActiveSummary
ETABLISSEMENTS JACO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.43M and a net result of €222k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 37% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+16
Solvency49▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €340k at 30 days acceptable
Liquidity ample (current ratio 5.51 against 7.03 in 2024; short-term debt: 10.3% and cash: 0.6% of total assets), but 75.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
24.2%
Return on assets
1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
on the day
2022
4 d early
2021
25 d late
2020
31 d late
2019
61 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, full schema
Turnover
€0
2024 · €0
2019: €0
2020: €0
2023: €0
2024: €0
2019 → 2025
EBIT margin
Not included in this filing
Net result
€222k
2024 · €-424k
2018: €-217k
2019: €52k
2020: €119k
2021: €-110k
2022: €60k
2023: €-369k
2024: €-424k
2018 → 2025
Working capital
€10.40M▼ 9.4%
2024 · €11.48M
2018: €2.28M
2019: €1.32M
2020: €4.70M
2021: €6.35M
2022: €8.10M
2023: €11.89M
2024: €11.48M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0€0
Equity€4.36M-€6.00M▲ 37.7%€5.63M▼ 6.2%€5.21M▼ 7.5%€5.43M▲ 4.3%
Operating result€-9k-€194k€75k▼ 61.2%€191k▲ 154%€627k▲ 228%
Net result€-110k-€60k€-369k€-424k▼ 14.7%€222k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 228% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.46M
Fixed assets
€9.75M ▼ 2.5%
Current assets
€12.71M ▼ 5.1%
Equity and liabilities €22.46M
Equity
€5.43M ▲ 4.3%
Provisions
€170k ▼ 8.6%
Debt
€16.86M ▼ 6.3%
Debt's share of the balance-sheet total falls from 76.9% to 75.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.07M▲
2024 · €613k
Cash flow
€668k▲
2024 · €-2k
Current ratio
5.51▼
2024 · 7.03
Quick ratio
1.26▼
2024 · 1.66
Debt to equity
3.11▼
2024 · 3.46
ROE
4.1%▲
2024 · -8.1%
ROA
1.0%▲
2024 · -1.8%
Interest coverage
2.55▲
2024 · 0.98
Debt ≤ 1 year
€2.31M▲
2024 · €1.91M
Debt > 1 year
€14.55M▼
2024 · €16.09M
Income taxes
€1k▼
2024 · €4k
Staff costs
€225k▲
2024 · €192k
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 · 65 lines
Balance sheet
Code20242025
Assets
Total assets20/58€23.39M€22.46M▼
Fixed assets21/28€10.00M€9.75M▼
Tangible fixed assets22/27€9.99M€9.74M▼
Land and buildings22€9.27M€8.97M▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€259k€311k▲
Assets under construction and advance payments27€452k€452k=
Financial fixed assets28€8k€8k=
Current assets29/58€13.39M€12.71M▼
Stocks and contracts in progress3€10.22M€9.80M▼
Stocks30/36€10.22M€9.80M▼
Amounts receivable within one year40/41€2.82M€2.73M▼
Trade receivables40€339k€572k▲
Other amounts receivable41€2.48M€2.16M▼
Cash at bank and in hand54/58€248k€124k▼
Deferred charges and accrued income490/1€100k€63k▼
Equity and liabilities
Total equity and liabilities10/49€23.39M€22.46M▼
Equity10/15€5.21M€5.43M▲
Contributions10/11€1.75M€1.75M=
Capital10€1.75M€1.75M=
Issued capital100€1.75M€1.75M=
Revaluation surpluses12€3.98M€3.98M=
Reserves13€761k€731k▼
Non-distributable reserves130/1€16k€16k=
Legal reserve130€16k€16k=
Tax-exempt reserves132€484k€454k▼
Distributable reserves133€262k€262k=
Profit (loss) carried forward14€-1.29M€-1.03M▲
Investment grants15€0€0=
Provisions and deferred taxes16€187k€170k▼
Deferred taxes168€187k€170k▼
Amounts payable17/49€18.00M€16.86M▼
Amounts payable after more than one year17€16.09M€14.55M▼
Financial debts170/4€16.09M€14.55M▼
Amounts payable within one year42/48€1.91M€2.31M▲
Current portion of amounts payable after more than one year42€135k€217k▲
Financial debts43€255k€255k=
Credit institutions430/8€255k€255k=
Trade debts44€240k€310k▲
Suppliers440/4€240k€310k▲
Taxes, remuneration and social security45€155k€137k▼
Taxes450/3€143k€109k▼
Remuneration and social security454/9€12k€28k▲
Other amounts payable47/48€1.12M€1.39M▲
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Remuneration, social security and pensions62€192k€225k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€421k€446k▲
Other operating charges640/8€84k€46k▼
Non-recurring operating charges66A€43k€851▼
Gross operating margin9900€931k€1.34M▲
Operating profit (loss)9901€191k€627k▲
Financial income75/76B€524€812▲
Recurring financial income75€524€812▲
Financial charges65/66B€627k€421k▼
Recurring financial charges65€627k€421k▼
Profit (loss) for the period before taxes9903€-436k€207k▲
Transfer from deferred taxes780€16k€16k=
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€-424k€222k▲
Transfer from tax-exempt reserves789€30k€30k=
Profit (loss) for the period to be appropriated9905€-394k€252k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.29M€-1.03M▲
Profit (loss) brought forward from the previous period14P€-891k€-1.29M▼
Social balance
Average headcount (FTE)90873.03.5▲
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €222k
Net result €222k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-424k
Net result drops to €-424k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 9.53
Current ratio from 2.67 to 9.53; short-term debt falls from €4.84M to €1.39M.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
31-12
Financial
Equity above €5MEq €6.00M ▲37.7%
Equity rises from €4.36M to €6.00M.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Equity above €5MEq €5.80M ▲99.9%
Equity rises from €2.90M to €5.80M.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Grâce-Hollogne · 1 establishment unit since 1984
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.
Rue de Jeneffe 54460 Grâce-HollogneGround area
1,755 m²
Building footprint
738 m²
Volume, LiDAR
4,547 m³
Parcel 62454A0786/00G000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Jeneffe 5, 4460 Grâce-Hollogne
since 19842.023.692.093
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62454A0786/00G000 | Wallonia | 1,755 m² | 1 · 738 m² | 9.6 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.
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CREJA
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 1,716 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 formPublic limited company
Founded30-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
68122Development of non-residential building projects
68110Buying and selling of own real estate
43310Plastering work
43320Joinery installation
46231Wholesale of live animals
46232Wholesale trade
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.