Turnover
≈ €210,000 estimated
The accounts state no turnover.
CFJML
Lifetime
4 annual accounts with figures on one time axispeak €210,105 (2023)
€132,878▲ 38.2%
lowest -€4,846 (2025)
-€4,846▼ €4,967
peak €112,730 (2024)
€107,884▼ 4.3%
€363,807▲ 73.7%
peak 2.8 FTE (2025)
2.8 FTE
Board2 names since 2021
2 directorsFERRANTE Clélia and 1 other
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Gross margin from €96,141 to €132,878Loss of €4,846Debts from €209,463 to €363,807Investments €121,477Cash from €18,668 to €42,568
Key points
from the 2025 annual accountsDebts
€363,807 ▲ 73.7%
Debts rose by €154,344 in 2025.
Investments
€116,256 6.7 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 1113.7% higher than in 2024.
Liquidity
1.02 was 1.47 in 2024
Short-term debts rose from €165,700 to €282,456.
Filings
4 annual accounts 2 late
The 2022 accounts came latest: 31 days after the end of the period.
Position in the sector
-€4,846
Lower net result than 81% of companies in head offices and management consultancy. Sector median €37,473 · 10,857 companies.
Checked score
53
Fair
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.0%▼ -0.1 percentage points vs 12-2024lowest value
02-2025: 1.0%● unchanged vs 01-2025lowest value
03-2025: 1.1%▲ +0.1 percentage points vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025
05-2025: 1.1%● unchanged vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025
07-2025: 1.1%● unchanged vs 06-2025
08-2025: 1.8%▲ +0.7 percentage points vs 07-2025
09-2025: 1.7%▼ -0.1 percentage points vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.6%▼ -0.1 percentage points vs 02-2026
04-2026: 1.7%▲ +0.1 percentage points vs 03-2026
05-2026: 1.8%▲ +0.1 percentage points vs 04-2026
06-2026: 1.8%● unchanged vs 05-2026
07-2026: 1.9%▲ +0.1 percentage points vs 06-2026
08-2026: 2.0%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 2.0%● unchanged vs 08-2026highest value
10-2026: 1.9%▼ -0.1 percentage points vs 09-2026
11-2026: 1.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2021
1 change of registered office in 24 months
Size: 2.8 FTE, total assets €471,691
lowers risk
Figures for financial year 2025 (filed on 09-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 39% of them on solvency, 27% on liquidity, 48% on profitability and 32% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,271 companies had the same profile as CFJML has now. Each dot stands for 4 companies, two years later.
93.5%
were still trading
2.0%
stopped another way
4.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CFJML itself: 1.9% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,271 companies, not a prediction for CFJML. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02 (1.47 in 2024), below the usual 1.5. Short-term debt is 59.9% and cash 9% of total assets. 77.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 10857 sector peers (2025).
NBB · sector comparisonPosition among 10857 sector peers
Solvency
better than 25%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 days early
2024
2 days early
2023
29 days late
2022
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 9 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 August (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- FERRANTE Clélia 50 sharesdeed of 21-12-2021
- LOUIS Jean-Marie Louis 50 sharesdeed of 21-12-2021
Recent changes
Amendment of the articles
General meeting of 24-06-2026 · Gazette deed
Registered office moved within Liège
Capital increase of €15,000 · 300 new shares · New registered office: 12, rue des Mineurs, 4000 Liège · General meeting of 24-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0778797855
First establishment
MAISON LOUIS, Rue des Mineurs 12, Liège
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as CFJML: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €331,000 and €1.2m, founded between 2014 and 2021.
Official details
Source: KBO- Status
- Active since 17-12-2021Normal situation
- Activity
- Activities of head officesNACE 70100and 3 others
- Establishment unit
- 2.325.198.0844000 Liège, since 01-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 03-01-2026
Annual accounts 2025
- €471,691▲ 46.4%
- Employeeson 31-12-2025
- 4
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on CFJML
CFJML files the abbreviated format. That format states no turnover. The gross margin rose from €59,235 in 2022 to €132,878 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CFJML
- What is the company number of CFJML?
- The company number of CFJML is 0778.797.855. The VAT number is the same number with BE in front: BE 0778.797.855.
- Where is CFJML based?
- The registered office is at Rue des Mineurs 12, 4000 Liège.Company details
- What does CFJML do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of CFJML?
- CFJML is a private limited company (BV).
- When was CFJML founded?
- CFJML was founded on 17-12-2021.
- Is CFJML still active?
- Yes, CFJML is an active enterprise in the KBO register.
- How many employees does CFJML have?
- CFJML had an average of 2.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of CFJML?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €132,878 and 98 comparable companies (NACE 70). It probably lies between €170,000 and €280,000.
- Is CFJML profitable?
- In financial year 2025, CFJML made a loss of €4,846.
- Where can I find the annual accounts of CFJML?
- CFJML filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CFJML due?
- CFJML must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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