J&M BAY

Active

Private limited companyfounded 2021active for 5 yearsMaria-Louizasquare 16, 1000 Brussel, BelgiumKBO/BCE: BE 0773.975.569

Summary

The computed 12-month bankruptcy probability of J&M BAY is 7.7% (elevated). For J&M BAY, one filing cycle of the annual accounts is missing. The 2024 annual accounts show negative equity (-€999). Equity remains stable across the filed financial years (±0% per year). Its solvency ranks better than 5% of 6,611 sector peers (NACE 49, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

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J&M BAYActive

Risk analysis Report Compare

Activity

On-demand passenger transport by chauffeured vehicle

NACE 49330

1 site

Size

€151total assets 2024

Equity: -€999

Turnover not published (micro format)

Financial health

Bankruptcy probabilitywithin 12 months: 7.7%

Too few figures to score

Structure

Accounts 80 days overdue0 of 2 deeds read

Signalsraises risk1 financial year not filed after the legal deadline; latest accounts 60 days late; 2 of the last 3 lateSector: Land transport and transport via pipelines (NACE 49)Liquidity: current ratio 0.13Weak solvency vs sectorAnnual accounts not filedlowers riskSize: total assets €151neutralFiled after the deadlineShow the evidence

Bankruptcy probability

No current score

Insufficient figures

A score requires measurable solvency, liquidity and profitability.

Bankruptcy probability: Elevated

Filing: One filing cycle is missing

Bankruptcy probability, 12 months

7.7% Elevated

0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (9,086 companies, NACE 49, micro)

Last 24 months 11-2024: 7.7% 12-2024: 7.7%● unchanged vs 11-2024 01-2025: 7.7%● unchanged vs 12-2024 02-2025: 7.7%● unchanged vs 01-2025 03-2025: 7.7%● unchanged vs 02-2025 04-2025: 7.8%▲ +0.1 percentage points vs 03-2025 05-2025: 7.2%▼ -0.6 percentage points vs 04-2025 06-2025: 7.2%● unchanged vs 05-2025 07-2025: 7.2%● unchanged vs 06-2025 08-2025: 7.7%▲ +0.5 percentage points vs 07-2025 09-2025: 7.8%▲ +0.1 percentage points vs 08-2025 10-2025: 7.1%▼ -0.7 percentage points vs 09-2025 11-2025: 7.1%● unchanged vs 10-2025 12-2025: 7.1%● unchanged vs 11-2025 01-2026: 7.1%● unchanged vs 12-2025 02-2026: 7.1%● unchanged vs 01-2026 03-2026: 7.0%▼ -0.1 percentage points vs 02-2026lowest value 04-2026: 7.1%▲ +0.1 percentage points vs 03-2026 05-2026: 7.2%▲ +0.1 percentage points vs 04-2026 06-2026: 7.2%● unchanged vs 05-2026 07-2026: 7.2%● unchanged vs 06-2026 08-2026: 7.8%▲ +0.6 percentage points vs 07-2026highest value 09-2026: 7.6%▼ -0.2 percentage points vs 08-2026 10-2026: 7.7%▲ +0.1 percentage points vs 09-2026

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Signals

Seven signals.

lowers riskraises riskneutral

1 financial year not filed after the legal deadline; latest accounts 60 days late; 2 of the last 3 late

NBB · filings

Sector: Land transport and transport via pipelines (NACE 49)

KBO

Liquidity: current ratio 0.13

NBB · annual accounts

Size: total assets €151

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 6611 sector peers (2024).

NBB · sector comparison

Position among 6611 sector peers

Solvency

better than 5%

← weakest strongest →

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 80 days later.

NBB · 3 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline19-10-2026 today

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 3 filings

Deviation from the deadline

2025

not filed

2024

60 days late

2023

54 days late

2022

24 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 30 days after the deadline; the sector median (NACE 49) for financial year 2024 is on the deadline day, and 49% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-09-2025 Annual accounts filedfinancial year 2024 · micro…
23-09-2024 Annual accounts filedfinancial year 2023 · micro…
07-07-2023 Annual accounts filedfinancial year 2022 · micro…

Key points

Risk: Negative equityfinancial year 2024: debts exceed assets -€999 View
Caution: Among the weakest 5% on solvencysector median 37.2% · 6,611 companies -663.2% View
Caution: Accounts not fileddeadline was 31-07-2026 80 days late View