Summary
JACOBA TRADING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €472k and a net result of €246k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
56 d early
2024
121 d late
2023
on the day
2022
40 d early
2021
47 d early
2020
47 d early
2019
45 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
€472k▼ 21.8%
2024 · €604k
2018: €100k
2019: €123k
2020: €130k
2021: €138k
2022: €238k
2023: €344k
2024: €604k
2018 → 2025
Net result
€246k▼ 5.4%
2024 · €260k
2018: €55k
2019: €23k
2020: €13k
2021: €28k
2022: €100k
2023: €106k
2024: €260k
2018 → 2025
Total assets
€994k▲ 11.6%
2024 · €890k
2018: €156k
2019: €155k
2020: €477k
2021: €465k
2022: €538k
2023: €610k
2024: €890k
2018 → 2025
Solvency
47.5%▼ 20.3pp
2024 · 67.9%
2018: 64.0%
2019: 79.3%
2020: 27.2%
2021: 29.7%
2022: 44.3%
2023: 56.5%
2024: 67.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€238k▲ 72.5%€344k▲ 44.5%€604k▲ 75.5%€472k▼ 21.8%
Operating result€33k-€144k▲ 334%€152k▲ 5.2%€380k▲ 151%€323k▼ 15.0%
Net result€28k-€100k▲ 253%€106k▲ 5.8%€260k▲ 145%€246k▼ 5.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €994k
Fixed assets
€371k ▼ 3.2%
Current assets
€623k ▲ 22.8%
Equity and liabilities €994k
Equity
€472k ▼ 21.8%
Debt
€521k ▲ 82.3%
Debt's share of the balance-sheet total rises from 32.1% to 52.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
52.0%▲
2024 · 43.0%
ROA
24.7%▼
2024 · 29.2%
Debt ≤ 1 year
€402k▲
2024 · €134k
Debt > 1 year
€118k▼
2024 · €152k
Income taxes
€76k▼
2024 · €119k
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€890k€994k▲
Fixed assets21/28€383k€371k▼
Tangible fixed assets22/27€383k€371k▼
Land and buildings22€383k€371k▼
Furniture and vehicles24€363-
Current assets29/58€507k€623k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€207k€64k▼
Trade receivables40€184k€54k▼
Other amounts receivable41€23k€9k▼
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€199k€458k▲
Deferred charges and accrued income490/1-€35
Equity and liabilities
Total equity and liabilities10/49€890k€994k▲
Equity10/15€604k€472k▼
Contributions10/11€6k€6k=
Reserves13€598k€466k▼
Distributable reserves133€598k€466k▼
Amounts payable17/49€286k€521k▲
Amounts payable after more than one year17€152k€118k▼
Financial debts170/4€152k€118k▼
Amounts payable within one year42/48€134k€402k▲
Current portion of amounts payable after more than one year42€34k€34k▲
Trade debts44€7k€22k▲
Suppliers440/4€7k€22k▲
Taxes, remuneration and social security45€94k€99k▲
Taxes450/3€94k€99k▲
Other amounts payable47/48-€247k
Accrued charges and deferred income492/3€69€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€395k€339k▼
Operating profit (loss)9901€380k€323k▼
Financial income75/76B€759-
Recurring financial income75€759-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€379k€321k▼
Income taxes67/77€119k€76k▼
Profit (loss) for the period9904€260k€246k▼
Profit (loss) for the period to be appropriated9905€260k€246k▼
Appropriation of the result
Profit (loss) to be appropriated9906€260k€246k▼
Transfer from equity791/2-€132k
Transfer to equity691/2€260k-
To other reserves6921€260k-
Profit to be distributed694/7-€378k
Return on contributions (dividend)694-€378k
The notes to these accounts (5 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 121 days late
2024
31-12
Financial
Highest result since 2018net €260k ▲145%
Operating result €380k, net result €260k, both a record.
31-12
Financial
Equity above €500kEq €604k ▲75.5%
7 profitable years in a row build equity to €604k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 1.63
Current ratio from 0.59 to 1.63.
31-12
Financial
Equity above €200kEq €238k ▲72.5%
5 profitable years in a row build equity to €238k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €13k ▼44.7%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Equity above €100kEq €123k ▲23%
2 profitable years in a row build equity to €123k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Diest · 1 establishment unit since 2016
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.
Turnhoutsebaan 493290 DiestGround area
5,176 m²
Parcel 24020B0278/00H004, Flanders. Linked by address, not a title deed.
1 establishment unit
JACOBA TRADING
since 20162.252.147.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0278/00H004 | Flanders | 5,176 m² | - | - |
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 siteDiest2.252.147.780
Similar companies · same sector, comparable size
ANCHOR
BE 0655.811.555
Vorselaar · Eq €472,327
BEAVER INVESTMENT GROUP
BE 0650.979.767
Balen · Eq €472,306
JUEL
BE 0501.767.538
Wortegem-Petegem · Eq €472,225
V+ Invest
BE 0632.791.574
Aalter · Eq €472,217
PLAS-TRON
BE 0478.834.857
Hasselt · Eq €472,544
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,646 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
Founded08-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46170Agents in the wholesale of food, beverages and tobacco
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.