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J&M COMPANY

Active
Private limited companyfounded 2013active for 13 yearsMaastrichtersteenweg 200, 3770 Riemst, BelgiumKBO/BCE: BE 0540.707.296
Summary

J&M COMPANY has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216,176 and a net result of €20,404. Equity has been growing by about 7.7% per year since 2018. Its solvency ranks better than 67% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 08-10-2013 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 3 others
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2024
Establishment unit
2.226.068.044 3770 Riemst, since 10-10-2013
Financial year end
31 December
Peppol
Reachable since 12-12-2025

Board and ownership

Board

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€109,657
▼ 10.3%
Turnover
≈ €910,000
estimated
Profit
€20,404
▼ 49.1%
Equity
€216,176
▲ 5.9%
Total assets
€406,575
▲ 12.8%
Staff
6.4 FTE
▲ 814%
Score breakdownraises riskLiquidity: current ratio 1.00, cash €1,558, halvedSector: Retail trade (NACE 47)lowers riskFounded in 2013Size: total assets €406,575Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 56% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 78-4
equity 53.2% of total assets
Liquidity 45-9
short-term debt 18.9% · cash 0.4%
Profitability 75-8
return on assets 5.0%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,281 companies, NACE 47, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.1%▼ -0.1 percentage points vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.2%▲ +0.1 percentage points vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.3%▼ -0.1 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.7%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.3%▼ -0.4 percentage points vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 1.0 (1.65 in 2024), below 1. Short-term debt is 18.9% and cash 0.4% of total assets. 46.8% of the assets are financed with debt and provisions.
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 67% of them on solvency, 44% on liquidity, 61% on profitability and 54% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 2013
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €406,575
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.00, cash €1,558, halved
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
32 days early
2024
6 days late
2023
2 days early
2022
17 days early
2021
13 days early
2020
30 days late
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 18 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More staff in 2025from 0.7 FTE to 6.4 FTE ▲ 814% View
  • Positive: More equity than 86% of companies in retail tradesector median €41,218 · 22,816 companies €216,176 View
  • Positive: 5 profitable years in a rowprofit 2025: €20,404 5 years View

Recent changes

  1. · Gazette deed 1 director appointed, 2 directors resigningResignations: Jeff Keijenberg (director) and Birgit Claeys (director) · Appointment: Surmedia CommV (director) · Permanent representative: Ahmet Sürmeli
  2. · Gazette deed 2 directors resigning, 2 reappointedResignations: KEIJENBERG Jeff (manager) and CLAEYS Birgit (manager) · Reappointments: KEIJENBERG Jeff (director) and CLAEYS Birgit (director) · Permanent representative: KEIJENBERG Jeff
  3. · Gazette deed Incorporation
All 19 events

Comparable companies

These companies have the same main activity as J&M COMPANY: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €298,000 and €475,000, founded between 2013 and 2014.

CompanyTotal assetsGross margin
J&M COMPANY Riemst€406,575€109,657
CHOCOBERLEY Herk-de-Stad€298,252€104,303
SINGH BROTHERS Puurs-Sint-Amands€431,269€101,722
CB-ALL SERVICES & INVEST Koekelberg€370,209€122,064
GPFC Sint-Pieters-Woluwe€474,762€122,450
LIVINUSPOLDERHOEVE Sint-Laureins€447,995€96,131
CANAL SHOP Comines-Warneton€375,914€133,529
Full comparison

Key facts about J&M COMPANY

What is the company number of J&M COMPANY?
The company number of J&M COMPANY is 0540.707.296. The VAT number is the same number with BE in front: BE 0540.707.296.
Where is J&M COMPANY based?
The registered office is at Maastrichtersteenweg 200, 3770 Riemst.Company details
What does J&M COMPANY do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of J&M COMPANY?
The legal form of J&M COMPANY is Private limited company (BV).
When was J&M COMPANY founded?
J&M COMPANY was founded on 08-10-2013.
Is J&M COMPANY still active?
Yes, J&M COMPANY is an active enterprise in the KBO register.
How many employees does J&M COMPANY have?
J&M COMPANY had an average of 6.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does J&M COMPANY fall under?
In its 2024 annual accounts, J&M COMPANY states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of J&M COMPANY?
The turnover in financial year 2025 is ≈ €910,000. This figure is estimated from the gross margin of €109,657 and 70 comparable companies (NACE 47110). It probably lies between €620,000 and €1.2m.
Is J&M COMPANY profitable?
In financial year 2025, J&M COMPANY made a profit of €20,404.
Where can I find the annual accounts of J&M COMPANY?
J&M COMPANY filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of J&M COMPANY due?
J&M COMPANY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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