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J.M.O.

Active
Private limited company (pre-2019)founded 1984active for 41 yearsWilde Tijmstraat 4, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0426.802.374

The file of J.M.O. contains 2 historical bankruptcy publications, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 1.0% (low). The 2025 annual accounts show equity of €174,080 and a net result of -€14,485. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 56% of 22,774 sector peers (NACE 47, financial year 2025).

Overview

Official details

Source: KBO
Status
Active since 20-11-1984 Normal situation
Activity
Retail trade NACE 47260and 3 others
Establishment unit
2.026.398.690 1080 Sint-Jans-Molenbeek, since 01-04-1985
Financial year end
31 December
Peppol
Reachable since 30-06-2025

Board and ownership

Board
  • OBERLANDER JOFFREYDirector · since 01-01-2012
  • OBERLANDER PenelopeDirector · since 01-01-2012

Financial position

65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
€10,437
Turnover
≈ €170,000
estimated
Loss
€14,485
▼ 70.0%
Equity
€174,080
▼ 7.7%
Total assets
€429,774
▲ 13.7%
  • 2025 accounts filed 7 days after the deadline
Score breakdownraises riskLast filed accounts filed 7 days late; 2 of the last 3 accounts lateLiquidity: current ratio 0.76, cash €1,031Sector: Retail trade (NACE 47)lowers riskFounded in 1984Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 33% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 66-9
equity 40.5% of total assets
Liquidity 32-8
short-term debt 38.5% · cash 0.2%
Profitability 15+12
return on assets -3.4%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,281 companies, NACE 47, micro)
Last 24 months 12-2024: 10.9%highest value 01-2025: 10.9%● unchanged vs 12-2024highest value 02-2025: 10.9%● unchanged vs 01-2025highest value 03-2025: 10.9%● unchanged vs 02-2025highest value 04-2025: 8.2%▼ -2.7 percentage points vs 03-2025 05-2025: 8.2%● unchanged vs 04-2025 06-2025: 8.2%● unchanged vs 05-2025 07-2025: 8.2%● unchanged vs 06-2025 08-2025: 3.3%▼ -4.9 percentage points vs 07-2025 09-2025: 3.7%▲ +0.4 percentage points vs 08-2025 10-2025: 4.9%▲ +1.2 percentage points vs 09-2025 11-2025: 4.8%▼ -0.1 percentage points vs 10-2025 12-2025: 3.2%▼ -1.6 percentage points vs 11-2025 01-2026: 3.2%● unchanged vs 12-2025 02-2026: 3.2%● unchanged vs 01-2026 03-2026: 3.2%● unchanged vs 02-2026 04-2026: 3.1%▼ -0.1 percentage points vs 03-2026 05-2026: 3.0%▼ -0.1 percentage points vs 04-2026 06-2026: 2.9%▼ -0.1 percentage points vs 05-2026 07-2026: 3.0%▲ +0.1 percentage points vs 06-2026 08-2026: 3.7%▲ +0.7 percentage points vs 07-2026 09-2026: 1.0%▼ -2.7 percentage points vs 08-2026lowest value 10-2026: 1.0%● unchanged vs 09-2026lowest value 11-2026: 1.0%● unchanged vs 10-2026lowest value
Credit of up to €11,000 on 30-day terms, only on tighter conditions: historical bankruptcy publications
Liquidity is insufficient, with a current ratio of 0.76 (0.99 in 2024), below 1. Short-term debt is 38.5% and cash 0.2% of total assets. 59.5% 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 56% of them on solvency, 30% on liquidity, 19% on profitability and 28% 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

Seven signals.
lowers riskraises riskneutral
raises risk · Last filed accounts filed 7 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Liquidity: current ratio 0.76, cash €1,031
NBB · annual accounts
lowers risk · Founded in 1984
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€14,485
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · 2025 accounts filed 7 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 10 filings
Deviation from the deadline
2025
7 days late
2024
105 days late
2023
334 days late
2022
576 days late
2021
743 days late
2020
233 days late
2019
598 days late
← 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 371 days after 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 30 June (4 of the last 5 accounts filed within 328 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 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

  • Caution: Lower net result than 86% of companies in retail tradesector median €5,083 · 22,756 companies -€14,485 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€14,485 View

Recent changes

  1. · Gazette deed Registered office moved to Molenbeek-Saint-JeanNew seat: Rue Du Serpolet Nr.4/2, 1080 Molenbeek-Saint-Jean · Previous seat: RUE CLEMENT DE CLETY NR.31 ANDERLECHT 1070
  2. · Bankruptcy Judicial dissolution, liquidator appointedFrench-language Enterprise Court of Brussels · liquidator: G. Kelder · judgment of 14-10-2021
  3. · Bankruptcy Bankruptcy reversalFrench-language Commercial Court of Brussels
All 17 events

Comparable companies

These companies have the same main activity as J.M.O.: retail trade (NACE 47260). They are comparable in size and age: total assets between €232,000 and €667,000, founded between 1986 and 2006.

CompanyTotal assetsGross margin
J.M.O. Sint-Jans-Molenbeek€429,774€10,437
Blues Squares Belgium Mons€274,081€4,786
DM VENDING Aalst€320,692€22,681
SUCCESS Oostende€666,849€27,147
LONGFILLERS Antwerpen€231,742€28,364
TOMMY'S DE GROOTE Ieper€322,485€17,735
DRUKKERIJ HERMAN Wevelgem€274,472€19,227
Full comparison

Key facts about J.M.O.

What is the company number of J.M.O.?
The company number of J.M.O. is 0426.802.374. The VAT number is the same number with BE in front: BE 0426.802.374.
Where is J.M.O. based?
The registered office is at Wilde Tijmstraat 4, 1080 Sint-Jans-Molenbeek.Company details
What does J.M.O. do?
According to the KBO register, the main activity is retail trade (NACE 47260).
What is the legal form of J.M.O.?
The legal form of J.M.O. is Private limited company (pre-2019) (BVBA).
When was J.M.O. founded?
J.M.O. was founded on 20-11-1984.
Is J.M.O. still active?
Yes, J.M.O. is an active enterprise in the KBO register.
What is the turnover of J.M.O.?
The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €10,437 and 94 comparable companies (NACE 472). It probably lies between €83,000 and €370,000. It is a rough estimate. In financial year 2020 turnover was €141,492.Financials
Is J.M.O. profitable?
In financial year 2025, J.M.O. made a loss of €14,485.
Where can I find the annual accounts of J.M.O.?
J.M.O. filed 41 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of J.M.O. due?
J.M.O. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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