SIRJACQUES Management

Summary

Conclusion

the dossier summarised in one paragraph

SIRJACQUES Management 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 €21k and a net result of €13k. Its solvency ranks better than 68% of 226 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-03-2026, 122 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	31-03-2026	122 d early	2026-00068417
31-12-2024	31-07-2025	27-08-2025	27 d late	2025-00414916
31-12-2023	31-07-2024	31-07-2024	on the day	2024-00324152

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€21k+174.7%

Net result€13k

Total assets€30k-66.2%

Solvency69.1%+60.6pp

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 66 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	69.1%	47.2%	better than 68% of 226 sector peers
Net result	€13k	€43k	better than 24% of 226 sector peers
Equity	€21k	€84k	better than 23% of 226 sector peers
Gross operating margin	€-45k	€88k	better than 5% of 226 sector peers
Total assets	€30k	€205k	better than 6% of 226 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€13k

- 24-25

Total assets

€30k

-66.2% 24-25

Equity

€21k

+174.7% 24-25

Income taxes

€2k

+298.6% 24-25

Debt

€9k

-88.6% 24-25

Debt ≤ 1y

€9k

-88.6% 24-25

Solvency

69.1%

+712.6% 24-25

ROE

63.6%

- 24-25

Show 1 other metrics

ROA

44.0%

- 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€13k
Cash flow	n/a
Staff costs	-
Income taxes	€2k
Dividends	-
Total assets	€30k
Equity	€21k
Debt	€9k
of which ≤ 1y	€9k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	69.1%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	44.0%
ROE	63.6%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Equity & liabilities

Equity €21k · 69.1% Debt €9k · 30.9%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€30k
Fixed assets	21/28	€0
Financial fixed assets	28	€0
Current assets	29/58	€30k
Amounts receivable within one year	40/41	€6k
Cash & bank	54/58	€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€30k
Equity	10/15	€21k
Contributions / capital	10/11	€4k
Reserves	13	€17k
Amounts payable	17/49	€9k
Amounts payable within one year	42/48	€9k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€-45k
Operating result	9901	€-58k
Financial income	75	€73k
Financial charges	65	€153
Result before taxes	9903	€15k
Income taxes	67/77	€2k
Net result for the period	9904	€13k
Result to be appropriated	9905	€13k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

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.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue de l'Affouage 35501 Dinant

Establishment units

1 location

SIRJACQUES Management

Rue de l'Affouage 3, 5501 DinantOverige activiteiten van geldscheppende financiële instellingen

since 20232.340.350.375

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area317 m²

Buildings1

Building footprint157 m²

Volume (LiDAR)813 m³

Tallest building7.0 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)