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Complete company report
Generated 24-08-2026
Active BE 1002.508.559Private limited company

J&M AMENAGEMENTS

Chaussée de Charleroi,Vitrival 167 ·5070 Fosses-la-Ville, Belgium· 2 yrs active
Sector: Bouwrijp maken van terreinen (43120)
Conclusion Checked

The computed 12-month bankruptcy probability of J&M AMENAGEMENTS is 5.3% (elevated). The 2024 annual accounts show negative equity (€-5k) and a net result of €-2k. Its solvency ranks better than 5% of 11120 sector peers (fiscal year 2024). 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.
Key figures
Equity €-5k
Net result €-2k
Better than sector 5%
Active 2 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health33Profitability100Solvency35Growth58Stability82
62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 33
Profitability 100
Solvency 35
Growth 58
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
5.3% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Health barometer FY 2024 · computed
33 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 17-06-2025 with the NBB · fiscal year 2024 · micro
€-6k€-4k€-2k€0Operating result 2023: €-6k€-6kNet result 2023: €-6k€-6kOperating result 2024: €-2k€-2kNet result 2024: €-2k€-2k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -34.1% 40.9%
better than 5% of 11120 sector peers
Net result €-2k €11k
better than 18% of 11103 sector peers
Equity €-5k €34k
better than 7% of 11124 sector peers
Gross operating margin €1k €35k
better than 10% of 11092 sector peers
Total assets €13k €94k
better than 5% of 11120 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€1k
- 23-24
Net profit
€-2k
+73.1% 23-24
Cash flow
€1k
- 23-24
Total assets
€13k
+13.3% 23-24
Equity
€-5k
-54.1% 23-24
Working capital
€-8k
+15.8% 23-24
Debt
€18k
+21.5% 23-24
Debt ≤ 1y
€18k
+21.5% 23-24
Show 7 other metrics
Current ratio
0.57
+49.3% 23-24
Quick ratio
0.57
+49.3% 23-24
Solvency
-34.1%
-36.1% 23-24
Debt / equity
-3.93
+21.2% 23-24
ROE
35.1%
-82.6% 23-24
ROA
-12.0%
+76.3% 23-24
Interest coverage
844.88
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€1k
Net profit€-2k
Cash flow€1k
Staff costs-
Income taxes-
Dividends-
Total assets€13k
Equity€-5k
Debt€18k
of which ≤ 1y€18k
of which > 1y-
Working capital€-8k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.57
Quick ratio0.57
Working capital ratio-57.2%
Solvency-34.1%
Debt / equity-3.93
Long-term debt ratio-
Interest coverage844.88
Gross margin-
Net margin-
ROA-12.0%
ROE35.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€13k
Fixed assets 21/28€3k
Tangible fixed assets 22/27€3k
Current assets 29/58€10k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€13k
Equity 10/15€-5k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-8k
Amounts payable 17/49€18k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€576
Income statement
Gross operating margin 9900€1k
Operating result 9901€-2k
Financial income 75€2
Financial charges 65€2
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
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.
Directors & mandates 1 directors
Former directors (1)
  • ALLARD Gilles
    Director
    State Gazette act 25017877 (04-02-2025)
    Former
    - → 01-01-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Bouwrijp maken van terreinen(43120)
Legal form Private limited company(610)
Incorporation21-11-2023
StatusActive
Postal code5070
Establishment units 1 location
J&M AMENAGEMENTS
Chaussée de Charleroi 167, 5070 Fosses-la-VilleBouwrijp maken van terreinen
since 20232.352.201.302
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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%)
Parcel (capakey) Region Area Buildings Height / fl.
92132A0260/00R000 Wallonia 392 m² 1 · 46 m² 9.2 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
17-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
04-02-2025
State Gazette act Director changes
OBCHETTE Jimmy
2024
26-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
05-12-2023
State Gazette act Director changes
OBCHETTE Jimmy
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
04-02-2025 ALLARD Gilles resigns as director Director changes·OBCHETTE Jimmy
  • ALLARD Gilles, Bestuurder
Notary: OBCHETTE Jimmy
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "ALLARD Gilles",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": "2025-01-01",
      "evidence_quote": "L\u0027assembl\u00E9e accepte \u00E0 l\u0027unanimit\u00E9 la d\u00E9mission avec effet au 01/01/2025, \u00E0 savoir:\n- Monsieur ALLARD Gilles",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "future"
    }
  ],
  "notary": {
    "name": "OBCHETTE Jimmy",
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-02-04",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-02-04",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1002.508.559",
    "name_full": "J\u0026M AMENAGEMENTS",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "OBCHETTE Jimmy",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
05-12-2023 ALLARD Gilles appointed as statutory auditor Director changes·OBCHETTE Jimmy
  • ALLARD Gilles, Commissaris
Notary: OBCHETTE Jimmy · Namur
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "ALLARD Gilles",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-11-23",
      "evidence_quote": "L\u0027assembl\u00E9e accepte \u00E0 l\u0027unanimit\u00E9 la nomination avec effet au 23/11/2023, \u00E0 savoir: Monsieur ALLARD Gilles",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "OBCHETTE Jimmy",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Namur",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-12-05",
    "filing_date": "2023-11-24",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-11-24",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1002.508.559",
    "name_full": "J\u0026M AMENAGEMENTS",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "OBCHETTE Jimmy",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Bouwrijp maken van terreinen43120Overige werkzaamheden in verband met de afwerking van gebouwen43350Installatie van isolatie43230Isolatiewerkzaamheden43291Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Landschapsverzorging81300Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR J&M AMENAGEMENTS
Registered office
Chaussée de Charleroi,Vitrival 167
5070 Fosses-la-Ville, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same sector and region · no size comparison possible · 936 of 8,423 with filed accounts
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CKL DECO RENO BE 0759.908.292 · Fosses-la-Ville
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative