JACOBS i3
ActiveThe computed 12-month bankruptcy probability of JACOBS i3 is 2.1% (moderate). The 2025 annual accounts show equity of €141k and a net result of €-58k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 2172 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▲+6
Solvency49▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.3 against 1.45 in 2024; short-term debt: 67.8% and cash: 22.3% of total assets), and 75.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
24.5%
Return on assets
-10.1%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-58k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
40 d early
2024
28 d early
2023
40 d early
2022
41 d early
2021
41 d early
2020
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€141k▼ 29.2%
2024 · €199k
2020: €225k
2021: €281k
2022: €336k
2023: €436k
2024: €199k
2020 → 2025
Total assets
€576k▼ 33.5%
2024 · €866k
2020: €1.28M
2021: €1.29M
2022: €1.14M
2023: €913k
2024: €866k
2020 → 2025
Net result
€-58k▲ 59.5%
2024 · €-143k
2020: €205k
2021: €55k
2022: €55k
2023: €126k
2024: €-143k
2020 → 2025
Working capital
€117k▼ 50.9%
2024 · €238k
2020: €340k
2021: €446k
2022: €532k
2023: €581k
2024: €238k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€281k-€336k▲ 19.6%€436k▲ 29.9%€199k▼ 54.4%€141k▼ 29.2%
Operating result€79k-€80k▲ 1.2%€175k▲ 118%€-141k€-52k▲ 63.4%
Net result€55k-€55k▼ 0.9%€126k▲ 128%€-143k€-58k▲ 59.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €141k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €576k
Fixed assets
€69k▼ 27.9%
Current assets
€507k▼ 34.2%
Equity and liabilities €576k
Equity
€141k▼ 29.2%
Debt
€435k▼ 34.8%
The debt ratio falls from 77.0% to 75.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-21k▲
2024 · €-46k
Cash flow
€-27k▲
2024 · €-48k
Solvency
24.5%▲
2024 · 23.0%
Current ratio
1.30▼
2024 · 1.45
Quick ratio
0.66▼
2024 · 0.99
Debt / equity
3.08▼
2024 · 3.35
ROE
-41.2%▲
2024 · -72.1%
ROA
-10.1%▲
2024 · -16.6%
Interest coverage
-2.87▲
2024 · -9.13
Debt
€435k▼
2024 · €667k
Debt ≤ 1 year
€390k▼
2024 · €533k
Debt > 1 year
€36k▼
2024 · €125k
Income taxes
€411▲
2024 · €-37
Staff costs
€193k▼
2024 · €222k
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€866k€576k▼
Fixed assets21/28€95k€69k▼
Tangible fixed assets22/27€95k€69k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€89k€65k▼
Current assets29/58€771k€507k▼
Stocks and contracts in progress3€242k€248k▲
Stocks30/36€242k€248k▲
Amounts receivable within one year40/41€291k€124k▼
Trade receivables40€237k€119k▼
Other amounts receivable41€54k€5k▼
Cash at bank and in hand54/58€230k€128k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€866k€576k▼
Equity10/15€199k€141k▼
Contributions10/11€20k€20k=
Reserves13€179k€121k▼
Distributable reserves133€179k€121k▼
Amounts payable17/49€667k€435k▼
Amounts payable after more than one year17€125k€36k▼
Financial debts170/4€125k€36k▼
Amounts payable within one year42/48€533k€390k▼
Current portion of amounts payable after more than one year42€90k€90k▼
Trade debts44€343k€264k▼
Suppliers440/4€343k€264k▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€405€1k▲
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€94k€30k▼
Accrued charges and deferred income492/3€9k€9k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€1k▼
Remuneration, social security and pensions62€222k€193k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€31k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€178k€175k▼
Operating profit (loss)9901€-141k€-52k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€-143k€-58k▲
Income taxes67/77€-37€411▲
Profit (loss) for the period9904€-143k€-58k▲
Profit (loss) for the period to be appropriated9905€-143k€-58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-143k€-58k▲
Transfer from equity791/2€237k€58k▼
Profit to be distributed694/7€94k-
Return on contributions (dividend)694€94k-
Social balance
Average headcount (FTE)90876.15.0▼
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €-143k ▼214%
Net result drops to €-143k, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudsbergen · 1 establishment unit since 2019
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.
Industrieweg-Noord 11113660 OudsbergenGround area
1,196 m²
Building footprint
238 m²
Volume, LiDAR
713 m³
Parcel 71562B0914/00B008, Flanders · tallest building 3.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JACOBS i3 bvba
since 20192.285.465.993
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71562B0914/00B008 | Flanders | 1,196 m² | 1 · 238 m² | 3.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,755 EUR awarded · 1,849 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 378 EUR | 562 EUR |
| 2023 | 1 | 1,020 EUR | 930 EUR |
| 2022 | 1 | 357 EUR | 357 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 743 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2019
Fiscal year end30-06
Abbreviation NL
i3
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.