Jack and Joe
ActiveSummary
Jack and Joe has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €75k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency62▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.62 in 2023; short-term debt: 62.7% and cash: 62.7% of total assets), but 62.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
33 d early
2022
35 d early
2021
40 d early
2020
3 d late
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€45k▲ 1.0%
2023 · €45k
2018: €31k
2019: €32k
2020: €34k
2021: €40k
2022: €42k
2023: €45k
2018 → 2024
Total assets
€121k▲ 4.9%
2023 · €115k
2018: €98k
2019: €76k
2020: €75k
2021: €147k
2022: €123k
2023: €115k
2018 → 2024
Net result
€75k▲ 3.8%
2023 · €73k
2018: €73k
2019: €40k
2020: €41k
2021: €106k
2022: €72k
2023: €73k
2018 → 2024
Working capital
€45k▲ 2.4%
2023 · €44k
2018: €31k
2019: €32k
2020: €34k
2021: €40k
2022: €40k
2023: €44k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€40k▲ 17.2%€42k▲ 6.1%€45k▲ 6.4%€45k▲ 1.0%
Operating result€44k-€108k▲ 148%€74k▼ 31.4%€74k▲ 0.2%€76k▲ 2.2%
Net result€41k-€106k▲ 156%€72k▼ 31.5%€73k▲ 0.3%€75k▲ 3.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 2% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €121k
Fixed assets
€301 ▼ 66.7%
Current assets
€121k ▲ 5.5%
Equity and liabilities €121k
Equity
€45k ▲ 1.0%
Debt
€76k ▲ 7.4%
Debt's share of the balance-sheet total rises from 61.3% to 62.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€77k▲
2023 · €75k
Cash flow
€76k▲
2023 · €73k
Current ratio
1.59▼
2023 · 1.62
Debt to equity
1.68▲
2023 · 1.58
ROE
167.2%▲
2023 · 162.7%
ROA
62.3%▼
2023 · 62.9%
Interest coverage
469.96▲
2023 · 200.22
Debt ≤ 1 year
€76k▲
2023 · €71k
Income taxes
€681▼
2023 · €2k
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€115k€121k▲
Fixed assets21/28€903€301▼
Tangible fixed assets22/27€903€301▼
Furniture and vehicles24€903€301▼
Current assets29/58€115k€121k▲
Amounts receivable within one year40/41€37k€44k▲
Trade receivables40€26k€39k▲
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58€76k€76k▼
Deferred charges and accrued income490/1€819€1k▲
Equity and liabilities
Total equity and liabilities10/49€115k€121k▲
Equity10/15€45k€45k▲
Contributions10/11€6k€6k=
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€984€1k▲
Amounts payable17/49€71k€76k▲
Amounts payable within one year42/48€71k€76k▲
Trade debts44€777€399▼
Suppliers440/4€777€399▼
Taxes, remuneration and social security45-€600
Taxes450/3-€600
Other amounts payable47/48€70k€75k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€603€603=
Other operating charges640/8€563€577▲
Gross operating margin9900€76k€77k▲
Operating profit (loss)9901€74k€76k▲
Financial income75/76B€242€270▲
Recurring financial income75€242€270▲
Financial charges65/66B€375€163▼
Recurring financial charges65€375€163▼
Profit (loss) for the period before taxes9903€74k€76k▲
Income taxes67/77€2k€681▼
Profit (loss) for the period9904€73k€75k▲
Profit (loss) for the period to be appropriated9905€73k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€76k▲
Profit (loss) brought forward from the previous period14P€804€984▲
Transfer to equity691/2€3k-
To other reserves6921€3k-
Profit to be distributed694/7€70k€75k▲
Directors or managers695€70k€75k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €106k ▲156%
Operating result €108k, net result €106k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €40k ▼44.9%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Rumst · 1 establishment unit since 2015
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.
Clemenshoek 952840 RumstGround area
851 m²
Building footprint
124 m²
Parcel 11036A0410/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jack and Joe
since 20152.238.665.770
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0410/00F000 | Flanders | 851 m² | 1 · 124 m² | 0.0 m |
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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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,193 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
Founded19-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.