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J & H

Active
Private limited company (pre-2019)founded 201313 yrs activeAv. du Bourg. Jean Materne(JB) 194, 5100 Namur, BelgiumKBO/BCE: BE 0537.503.922

The file of J & H contains 4 judicial reorganisation notices and 2 historical bankruptcy publications, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is ≥ 25% (high). The 2025 annual accounts show equity of €306,975 and a net result of €54,255. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 3833 sector peers (fiscal year 2025).

Overview

What they do
Limited-service restaurants, excluding mobile food services
NACE 56112Limited-service restaurants NACE 56102
3 sites
How big
€541,361turnover 2025
Equity
€306,975
Profit
€54,255
Financially healthy?
43 Weak Checked score 2025
Bankruptcy chance 12 m
≥ 25%
Who decides
Accounts filed 31 d late0 of 5 deeds read
Why 43- Recent warning signals- Judicial reorganisation on record- Higher-failure-rate sector- Multiple establishment units- Higher-failure-rate region+ Annual accounts: healthy financial profile+ Long track recordFiled after the deadlineShow the evidence

Checked score

Score 2025
Axes · tick = 2024
Profitability79▼-3
Solvency74▲+4
Growth85▲+4
Track record45
Bankruptcy probability, 12 months
≥ 25% High
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.67 against 1.25 in 2024; short-term debt: 27.2% and cash: 4.8% of total assets), but 50.9% of the assets are financed with debt.
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Signals

Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Recent warning signals
The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
Belgian State Gazette
raises risk · Judicial reorganisation on record
A judicial reorganisation is on record, and one often precedes a bankruptcy.
Belgian State Gazette
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
49.1%
Return on assets
8.7%
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 13 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filings
Deviation from the deadline
2025
31 d late
2024
21 d late
2023
65 d late
2022
254 d late
2021
266 d late
2020
83 d late
2019
140 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 123 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 5 October (4 of the last 5 filed years within 188 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Turnover rose in 2025from €357,859 to €541,361 ▲ 51.3% View
  • Turnover 20254 fiscal years filed €541,361 View
  • Active since 2013founded 16-08-2013 13 years View

By topic

Financials

Fiscal year
2025
Turnover
€541,361
Profit
€54,255
Solvency
49.1%
Turnover▲ 51.3%
Net result
20222025
Go to Financials

Timeline

Events
21
Since
2018
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 03-12-2025Annual accounts filed
  3. 21-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Private limited company (pre-2019)
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
16-08-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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