JAACK
ActiveSummary
JAACK has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €75k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+30
Solvency54▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 0.37 in 2024; short-term debt: 23.1% and cash: 0% of total assets), and 71.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
28.6%
Return on assets
15.3%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 7 filingsDeviation from the deadline
2025
3 d late
2024
29 d early
2023
2 d late
2022
17 d early
2021
2 d early
2020
31 d late
2019
14 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 61.7%
2024 · €88k
2019: €6k
2020: €28k
2021: €64k
2022: €105k
2023: €83k
2024: €88k
2019 → 2025
Total assets
€495k▼ 14.0%
2024 · €575k
2019: €401k
2020: €528k
2021: €514k
2022: €568k
2023: €592k
2024: €575k
2019 → 2025
Net result
€75k▲ 1,720%
2024 · €4k
2019: €22
2020: €21k
2021: €36k
2022: €41k
2023: €-22k
2024: €4k
2019 → 2025
Working capital
€44k
2024 · €-70k
2019: €-153k
2020: €-109k
2021: €-64k
2022: €-31k
2023: €-61k
2024: €-70k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€105k▲ 64.6%€83k▼ 20.9%€88k▲ 5.0%€142k▲ 61.7%
Operating result€63k-€70k▲ 10.9%€-8k€41k€104k▲ 152%
Net result€36k-€41k▲ 13.7%€-22k€4k€75k▲ 1,720%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 152% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495k
Fixed assets
€336k ▼ 36.9%
Current assets
€158k ▲ 277%
Equity and liabilities €495k
Equity
€142k ▲ 61.7%
Provisions
€22k ▲ 55.9%
Debt
€331k ▼ 30.1%
Debt's share of the balance-sheet total falls from 82.3% to 66.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▲
2024 · €76k
Cash flow
€95k▲
2024 · €39k
Current ratio
1.38▲
2024 · 0.37
Debt to equity
2.34▼
2024 · 5.40
ROE
53.3%▲
2024 · 4.7%
ROA
15.3%▲
2024 · 0.7%
Interest coverage
3.79▲
2024 · 2.32
Debt ≤ 1 year
€114k▲
2024 · €112k
Debt > 1 year
€216k▼
2024 · €361k
Income taxes
€792▼
2024 · €6k
Staff costs
€16k▼
2024 · €25k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€575k€495k▼
Fixed assets21/28€533k€336k▼
Tangible fixed assets22/27€533k€336k▼
Land and buildings22€474k€315k▼
Plant, machinery and equipment23€688€574▼
Furniture and vehicles24€44k€8k▼
Other tangible fixed assets26€14k€13k▼
Current assets29/58€42k€158k▲
Amounts receivable within one year40/41€36k€150k▲
Trade receivables40€3k€34k▲
Other amounts receivable41€33k€116k▲
Current investments50/53€437€437=
Cash at bank and in hand54/58€3k€32▼
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€575k€495k▼
Equity10/15€88k€142k▲
Contributions10/11€6k€6k=
Reserves13€99k€171k▲
Tax-exempt reserves132-€94k
Distributable reserves133€99k€78k▼
Profit (loss) carried forward14€-18k€-36k▼
Provisions and deferred taxes16€14k€22k▲
Provisions for liabilities and charges160/5€14k€22k▲
Other liabilities and charges164/5€14k€22k▲
Amounts payable17/49€473k€331k▼
Amounts payable after more than one year17€361k€216k▼
Financial debts170/4€361k€216k▼
Amounts payable within one year42/48€112k€114k▲
Current portion of amounts payable after more than one year42€33k€17k▼
Financial debts43€2k€605▼
Credit institutions430/8€2k€605▼
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€10k€16k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€55k€68k▲
Income statement
Code20242025
Non-recurring operating income76A-€94k
Remuneration, social security and pensions62€25k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€20k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-262€8k▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€107k€159k▲
Operating profit (loss)9901€41k€104k▲
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€33k€33k=
Recurring financial charges65€33k€33k=
Profit (loss) for the period before taxes9903€10k€76k▲
Income taxes67/77€6k€792▼
Profit (loss) for the period9904€4k€75k▲
Transfer to tax-exempt reserves689-€94k
Profit (loss) for the period to be appropriated9905€4k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-36k▼
Profit (loss) brought forward from the previous period14P€-22k€-18k▲
Transfer from equity791/2-€21k
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2019net €75k ▲1,720%
Operating result €104k, net result €75k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.38
Current ratio from 0.37 to 1.38.
31-12
Financial
Equity above €100kEq €142k ▲61.7%
2 profitable years in a row build equity to €142k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €105k ▲64.6%
4 profitable years in a row build equity to €105k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waterloo · 1 establishment unit since 2018
Ground area
656 m²
Building footprint
145 m²
Volume, LiDAR
909 m³
Parcel 25763K0721/00B000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAACK
since 20182.284.510.148
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763K0721/00B000 | Wallonia | 656 m² | 1 · 145 m² | 8.2 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
Legal Entity Identifier
984500EF61A41D8ZCE47
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,891 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
Founded13-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.