Checked.be · Company dossierhttps://checked.be/en/c/j-h-0537503922 · as of 02-10-2026
J & H
Active
Private limited company (pre-2019) · founded 2013 · 13 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).
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
Checked score
A figure from 0 to 100 for financial health from the latest annual accounts: the higher, the healthier. Without a figure, the card says why. A low score is a reason to look closely at payment terms and security.
Four sides of financial health side by side. You see at a glance where the company is strong and where it is vulnerable.
Profitability79▼-3
Solvency74▲+4
Growth85▲+4
Track record45
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that this company goes bankrupt within twelve months. A low chance is reassuring; with a higher one, agree shorter payment terms or an advance.
≥ 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.
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.
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).