JAAK - POSTEL
ActiveJAAK - POSTEL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €-20k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 75% of 13071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-16
Solvency92▼-7
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.05 in 2024), and 40.2% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.8%
Return on assets
-14.3%
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 07-04-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
40 d early
2023
48 d early
2022
32 d early
2021
4 d early
2020
56 d early
2019
55 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
€82k▼ 19.3%
2024 · €101k
2018: €98k
2019: €85k
2020: €58k
2021: €112k
2022: €104k
2023: €98k
2024: €101k
2018 → 2025
Total assets
€136k▼ 15.8%
2024 · €162k
2018: €159k
2019: €134k
2020: €124k
2021: €166k
2022: €159k
2023: €152k
2024: €162k
2018 → 2025
Net result
€-20k
2024 · €3k
2018: €41k
2019: €-13k
2020: €-28k
2021: €55k
2022: €-9k
2023: €-6k
2024: €3k
2018 → 2025
Working capital
€38k▼ 40.3%
2024 · €64k
2018: €58k
2019: €54k
2020: €51k
2021: €96k
2022: €64k
2023: €64k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€104k▼ 7.8%€98k▼ 5.6%€101k▲ 3.4%€82k▼ 19.3%
Operating result€55k-€-8k€-5k▲ 34.7%€4k€-19k
Net result€55k-€-9k€-6k▲ 33.8%€3k€-20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €4k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€43k▲ 16.6%
Current assets
€93k▼ 25.5%
Equity and liabilities €136k
Equity
€82k▼ 19.3%
Debt
€55k▼ 10.0%
The debt ratio rises from 37.6% to 40.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-9k▼
2024 · €12k
Cash flow
€-9k▼
2024 · €11k
Solvency
59.8%▼
2024 · 62.4%
Current ratio
1.70▼
2024 · 2.05
Quick ratio
1.60▼
2024 · 1.94
Debt / equity
0.67▲
2024 · 0.60
ROE
-23.9%▼
2024 · 3.3%
ROA
-14.3%▼
2024 · 2.1%
Interest coverage
-13.97▼
2024 · 16.17
Debt
€55k▼
2024 · €61k
Debt ≤ 1 year
€55k▼
2024 · €61k
Staff costs
€383k▲
2024 · €355k
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€162k€136k▼
Fixed assets21/28€37k€43k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€34k€40k▲
Land and buildings22€6k€19k▲
Plant, machinery and equipment23€18k€12k▼
Furniture and vehicles24€7k€6k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€3k€3k=
Current assets29/58€125k€93k▼
Stocks and contracts in progress3€7k€5k▼
Stocks30/36€7k€5k▼
Amounts receivable within one year40/41€25€11▼
Other amounts receivable41€25€11▼
Cash at bank and in hand54/58€112k€81k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€162k€136k▼
Equity10/15€101k€82k▼
Contributions10/11€19k€19k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€43k€24k▼
Amounts payable17/49€61k€55k▼
Amounts payable within one year42/48€61k€55k▼
Trade debts44€14k€12k▼
Suppliers440/4€14k€12k▼
Taxes, remuneration and social security45€46k€43k▼
Taxes450/3€9k€3k▼
Remuneration and social security454/9€37k€40k▲
Other amounts payable47/48€676€676=
Income statement
Code20242025
Remuneration, social security and pensions62€355k€383k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€368k€376k▲
Operating profit (loss)9901€4k€-19k▼
Financial income75/76B€138€254▲
Recurring financial income75€138€254▲
Financial charges65/66B€747€625▼
Recurring financial charges65€747€625▼
Profit (loss) for the period before taxes9903€3k€-20k▼
Income taxes67/77€0-
Profit (loss) for the period9904€3k€-20k▼
Profit (loss) for the period to be appropriated9905€3k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€24k▼
Profit (loss) brought forward from the previous period14P€40k€43k▲
The notes to these accounts (10 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-09
Financial
Equity above €100kEq €101k ▲3.4%
Equity rises from €98k to €101k.
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
30-09
Financial
Equity above €100kEq €112k ▲94.6%
Equity rises from €58k to €112k.
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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
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, Mol · 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.
Eerselseweg 12400 MolGround area
870 m²
Building footprint
501 m²
Volume, LiDAR
1,987 m³
Parcel 13432A0024/00L003, Flanders · tallest building 23.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JAAK-POSTEL
since 19982.085.445.164
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13432A0024/00L003 | Flanders | 870 m² | 1 · 501 m² | 23.0 m · 1 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 siteMol2.085.445.164
Similar companies · same sector, comparable size
WOK PLAZA
BE 0816.883.025
Genk · Eq €82k
TEFRA
BE 0464.779.755
Duffel · Eq €82k
RAMUZI
BE 0787.753.925
Brugge · Eq €82k
JITHO
BE 0820.160.734
Oostende · Eq €82k
INATTENDU BAT
BE 0756.809.044
Ath · Eq €82k
Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,638 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-1997
Fiscal year end30-09
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
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.
Contact details
1 entryE-mail:info@deklothoeve.be