Olivier Jacqmain
ActiveOlivier Jacqmain has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €44k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+1
Solvency90▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.33 against 2.73 in 2024; short-term debt: 24.5% and cash: 19.7% of total assets), and 35.3% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
64.7%
Return on assets
16.1%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
5 d early
2022
61 d late
2021
61 d late
2020
165 d late
2019
66 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 33.0%
2024 · €134k
2018: €123k
2019: €124k
2020: €134k
2021: €47k
2022: €15k
2023: €94k
2024: €134k
2018 → 2025
Total assets
€275k▲ 3.6%
2024 · €265k
2018: €236k
2019: €255k
2020: €215k
2021: €292k
2022: €214k
2023: €244k
2024: €265k
2018 → 2025
Net result
€44k▲ 10.2%
2024 · €40k
2018: €21k
2019: €1k
2020: €9k
2021: €-52k
2022: €-31k
2023: €79k
2024: €40k
2018 → 2025
Working capital
€157k▲ 19.4%
2024 · €131k
2018: €134k
2019: €131k
2020: €141k
2021: €140k
2022: €93k
2023: €107k
2024: €131k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€15k▼ 67.6%€94k▲ 519%€134k▲ 42.8%€178k▲ 33.0%
Operating result€-48k-€-25k▲ 47.4%€89k€65k▼ 26.8%€67k▲ 3.4%
Net result€-52k-€-31k▲ 39.4%€79k€40k▼ 49.0%€44k▲ 10.2%
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 recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€51k▼ 12.6%
Current assets
€224k▲ 8.1%
Equity and liabilities €275k
Equity
€178k▲ 33.0%
Debt
€97k▼ 26.3%
The debt ratio falls from 49.6% to 35.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €74k
Cash flow
€51k▲
2024 · €49k
Solvency
64.7%▲
2024 · 50.4%
Current ratio
3.33▲
2024 · 2.73
Quick ratio
3.33▲
2024 · 2.73
Debt / equity
0.55▼
2024 · 0.99
ROE
24.8%▼
2024 · 30.0%
ROA
16.1%▲
2024 · 15.1%
Interest coverage
14.19▲
2024 · 12.03
Debt
€97k▼
2024 · €132k
Debt ≤ 1 year
€67k▼
2024 · €76k
Debt > 1 year
€30k▼
2024 · €56k
Income taxes
€19k▲
2024 · €19k
Staff costs
€1k▼
2024 · €2k
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€265k€275k▲
Fixed assets21/28€58k€51k▼
Tangible fixed assets22/27€58k€51k▼
Land and buildings22€33k€31k▼
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€207k€224k▲
Amounts receivable after more than one year29€27k€27k=
Other amounts receivable291€27k€27k=
Amounts receivable within one year40/41€152k€143k▼
Trade receivables40€120k€104k▼
Other amounts receivable41€32k€39k▲
Cash at bank and in hand54/58€28k€54k▲
Deferred charges and accrued income490/1€927€241▼
Equity and liabilities
Total equity and liabilities10/49€265k€275k▲
Equity10/15€134k€178k▲
Contributions10/11€13k€13k=
Reserves13€121k€165k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€119k€163k▲
Amounts payable17/49€132k€97k▼
Amounts payable after more than one year17€56k€30k▼
Financial debts170/4€56k€30k▼
Amounts payable within one year42/48€76k€67k▼
Current portion of amounts payable after more than one year42€30k€26k▼
Trade debts44€36k€32k▼
Suppliers440/4€36k€32k▼
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€0€404▲
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Non-recurring operating income76A€992€0▼
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€78k€77k▼
Operating profit (loss)9901€65k€67k▲
Financial income75/76B€220€1k▲
Recurring financial income75€220€1k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€59k€63k▲
Income taxes67/77€19k€19k▲
Profit (loss) for the period9904€40k€44k▲
Profit (loss) for the period to be appropriated9905€40k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€44k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€40k€44k▲
To other reserves6921€40k€44k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €150kEq €178k ▲33%
3 profitable years in a row build equity to €178k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Equity above €100kEq €134k ▲42.8%
2 profitable years in a row build equity to €134k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €79k
Net result €79k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 165 days late
2021
31-12
Financial
Weakest financial yearnet €-52k ▼656%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
01-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 32 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kalmthout · 1 establishment unit since 2010
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.
St. Jozeflaan (Heide) 72920 KalmthoutGround area
468 m²
Building footprint
120 m²
Volume, LiDAR
543 m³
Parcel 11022F0001/00F089, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Olivier Jacqmain
since 20102.193.066.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0001/00F089 | Flanders | 468 m² | 1 · 120 m² | 9.1 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.
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Of 7,039 companies in sector 43221 we hold annual accounts for 3,469. 2,939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-10-2010
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.