JACCS CO., LTD. (TSE Prime: 8584) told the exchange on September 11 that its board had approved consolidating the company's credit-screening operations from 11 locations nationwide down to seven, centered on Tokyo and Osaka, effective April 1, 2027. Four offices, in Sapporo, Nagoya, Fukuoka and Okayama, will close outright.
The network shakeup leaves some sites untouched, folds others into upgraded centers, and eliminates the rest.
| Office | Outcome |
|---|---|
| Sapporo Credit Office | Closes |
| Nagoya Credit Office | Closes |
| Fukuoka Credit Office | Closes |
| Okayama Guarantee Screening Office | Closes |
| Sendai Credit Office | Upgraded and retained as Sendai Screening Center |
| Tokyo Guarantee Screening Office | Retained, renamed Tokyo Guarantee Screening Center |
| Tokyo, Osaka and Tokyo Auto screening centers; VFJ Support Center; Mercedes-Benz JACCS Loan Center | Unchanged |
The choice for 180 staff. As of September 1, 2026, 180 employees worked at the four offices slated for closure. Each can pick one of three paths: transfer to a department the company designates, switch to a work arrangement that includes relocation, or take company-initiated retirement effective March 31, 2027. Employees who choose retirement get a special severance payment and, on request, reemployment support services. Staff begin making that choice from November 2026.
The money, and the ceiling on it. JACCS said that if every one of the 180 affected employees chooses retirement, special severance payments would total up to approximately ¥1.1bn. That is a maximum, not a forecast of how many will actually leave; the transfer and relocation options exist precisely so the company is not assuming a full exodus. JACCS also expects office-closure costs on top of the severance figure, though it has not put a number on those. Both costs will draw on capital JACCS raised through a third-party share allotment to MUFG Bank, part of the capital and business alliance the two companies signed in March 2025.
Guidance holds, for now. JACCS expects to record a special loss in the fiscal year ending March 2027 tied to the restructuring. Its full-year earnings forecast is unchanged for the moment; the company said it will revise and disclose promptly if further review of the reform's costs, alongside other factors, makes a change necessary. The reorganization falls in the second year of JACCS's three-year "Do next!" medium-term plan, which frames deeper cooperation with the MUFG group as the route to growth and business-structure reform.