Jaak Van Extergem
ActiveSummary
Jaak Van Extergem has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €16k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+3
Solvency90▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.47 in 2024; short-term debt: 34.7% and cash: 37.4% of total assets), and 34.8% 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
65.2%
Return on assets
12.6%
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
42 d early
2023
57 d early
2022
48 d early
2021
67 d early
2020
61 d early
2019
57 d early
← 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
€81k▼ 14.2%
2024 · €95k
2018: €64k
2019: €64k
2020: €62k
2021: €62k
2022: €91k
2023: €110k
2024: €95k
2018 → 2025
Total assets
€125k▼ 9.4%
2024 · €138k
2018: €200k
2019: €135k
2020: €115k
2021: €110k
2022: €127k
2023: €153k
2024: €138k
2018 → 2025
Net result
€16k▲ 4.4%
2024 · €15k
2018: €41k
2019: €19k
2020: €27k
2021: €34k
2022: €29k
2023: €30k
2024: €15k
2018 → 2025
Working capital
€54k▼ 12.2%
2024 · €62k
2018: €-28k
2019: €-21k
2020: €4k
2021: €28k
2022: €69k
2023: €86k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€91k▲ 47.4%€110k▲ 21.1%€95k▼ 13.7%€81k▼ 14.2%
Operating result€50k-€47k▼ 6.4%€45k▼ 3.2%€20k▼ 56.0%€18k▼ 12.3%
Net result€34k-€29k▼ 15.4%€30k▲ 3.3%€15k▼ 49.9%€16k▲ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€27k ▼ 19.8%
Current assets
€98k ▼ 6.1%
Equity and liabilities €125k
Equity
€81k ▼ 14.2%
Debt
€43k ▲ 0.9%
Debt's share of the balance-sheet total rises from 31.2% to 34.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €25k
Cash flow
€24k▲
2024 · €20k
Current ratio
2.26▼
2024 · 2.47
Quick ratio
2.18▼
2024 · 2.36
Debt to equity
0.53▲
2024 · 0.45
ROE
19.3%▲
2024 · 15.9%
ROA
12.6%▲
2024 · 10.9%
Interest coverage
22.15▼
2024 · 154.33
Debt ≤ 1 year
€43k▲
2024 · €42k
Income taxes
€4k▼
2024 · €8k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€138k€125k▼
Fixed assets21/28€34k€27k▼
Intangible fixed assets21€2k€814▼
Tangible fixed assets22/27€32k€26k▼
Plant, machinery and equipment23€23k€18k▼
Furniture and vehicles24€2k€3k▲
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28€135€135=
Current assets29/58€104k€98k▼
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€17k€43k▲
Trade receivables40€5k€25k▲
Other amounts receivable41€12k€17k▲
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€24k€47k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€138k€125k▼
Equity10/15€95k€81k▼
Contributions10/11€19k€19k=
Reserves13€76k€63k▼
Distributable reserves133€76k€63k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€43k€43k▲
Amounts payable within one year42/48€42k€43k▲
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Other amounts payable47/48€35k€32k▼
Accrued charges and deferred income492/3€1k€187▼
Income statement
Code20242025
Non-recurring operating income76A-€29k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€31k€28k▼
Operating profit (loss)9901€20k€18k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€162€1k▲
Recurring financial charges65€162€1k▲
Profit (loss) for the period before taxes9903€23k€19k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€15k€16k▲
Profit (loss) for the period to be appropriated9905€15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€16k▲
Transfer from equity791/2€30k€29k▼
Transfer to equity691/2€15k€16k▲
To other reserves6921€15k€16k▲
Profit to be distributed694/7€30k€29k▼
Return on contributions (dividend)694€30k€29k▼
The notes to these accounts (14 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼49.9%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €110k ▲21.1%
6 profitable years in a row build equity to €110k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zele · 1 establishment unit since 1988
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.
Heikant 1829240 ZeleGround area
670 m²
Building footprint
435 m²
Volume, LiDAR
2,035 m³
Parcel 42403D1341/00L000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heikant 182, 9240 Zele
since 19882.034.841.353
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42403D1341/00L000 | Flanders | 670 m² | 1 · 435 m² | 6.5 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.
Similar companies · same sector, comparable size
HET HOUTATELIER
BE 0737.719.444
Gent · Eq €81,409
INTERN CONSTRUCT
BE 0741.418.708
Koekelberg · Eq €81,383
ESPACE DECORATION
BE 0863.767.875
Mouscron · Eq €81,443
FELIX DE COCK
BE 0881.055.849
Hulshout · Eq €81,367
IMEBO
BE 0758.958.484
Waregem · Eq €81,474
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,684 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
Founded04-01-1988
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.