J.M.O.
ActiveThe file of J.M.O. contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 0.9% (low). The 2025 annual accounts show equity of €174k and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 18173 sector peers (fiscal year 2025).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▲+12
Solvency66▼-9
Growth38▲+16
Track record85
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.99 in 2024; short-term debt: 38.5% and cash: 0.2% of total assets), and 59.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-14k
neutral · Filed after the deadline
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. 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.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
105 d late
2023
334 d late
2022
576 d late
2021
743 d late
2020
233 d late
2019
598 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€141k▼ 34.0%
2019 · €215k
2019: €215k
2019 → 2020
EBIT margin
-27.2%▼ 2.6pp
2019 · -24.6%
2019: -24.6%
2019 → 2020
Net result
€-14k▲ 70.0%
2024 · €-48k
2018: €-25k
2019: €-75k
2020: €-54k
2021: €-8k
2022: €-30k
2023: €180k
2024: €-48k
2018 → 2025
Working capital
€-40k▼ 4,224%
2024 · €-920
2018: €-44k
2019: €-106k
2020: €-147k
2021: €22k
2022: €10k
2023: €33k
2024: €-920
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€58k▼ 34.5%€237k▲ 306%€189k▼ 20.4%€174k▼ 7.7%
Operating result€-8k-€-22k▼ 177%€-120k▼ 452%€-45k▲ 63.0%€-18k▲ 59.7%
Net result€-8k-€-30k▼ 279%€180k€-48k€-14k▲ 70.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €45k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€304k▲ 8.4%
Current assets
€126k▲ 29.1%
Equity and liabilities €430k
Equity
€174k▼ 7.7%
Provisions
€90k▼ 0.9%
Debt
€166k▲ 68.4%
The debt ratio rises from 26.0% to 38.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-28k
Cash flow
€-1k▲
2024 · €-31k
Solvency
40.5%▼
2024 · 49.9%
Current ratio
0.76▼
2024 · 0.99
Quick ratio
0.76▼
2024 · 0.99
Debt / equity
0.95▲
2024 · 0.52
ROE
-8.3%▲
2024 · -25.6%
ROA
-3.4%▲
2024 · -12.8%
Interest coverage
-13.28▼
2024 · -4.16
Debt
€166k▲
2024 · €98k
Debt ≤ 1 year
€166k▲
2024 · €98k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€378k€430k▲
Fixed assets21/28€280k€304k▲
Tangible fixed assets22/27€277k€301k▲
Land and buildings22€267k€260k▼
Plant, machinery and equipment23€2k€1k▼
Other tangible fixed assets26€8k€39k▲
Financial fixed assets28€3k€3k=
Current assets29/58€97k€126k▲
Amounts receivable after more than one year29€72k€37k▼
Other amounts receivable291€72k€37k▼
Amounts receivable within one year40/41€24k€82k▲
Trade receivables40€14k€64k▲
Other amounts receivable41€11k€18k▲
Cash at bank and in hand54/58€760€1k▲
Deferred charges and accrued income490/1€815€5k▲
Equity and liabilities
Total equity and liabilities10/49€378k€430k▲
Equity10/15€189k€174k▼
Contributions10/11€19k€19k=
Reserves13€415k€413k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€354k€352k▼
Distributable reserves133€59k€59k=
Profit (loss) carried forward14€-245k€-257k▼
Provisions and deferred taxes16€91k€90k▼
Deferred taxes168€91k€90k▼
Amounts payable17/49€98k€166k▲
Amounts payable within one year42/48€98k€166k▲
Trade debts44€3k€103k▲
Suppliers440/4€3k€103k▲
Taxes, remuneration and social security45€81k€62k▼
Taxes450/3€81k€62k▼
Other amounts payable47/48€14k€260▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Other operating charges640/8€913€14k▲
Non-recurring operating charges66A-€847
Gross operating margin9900€-27k€10k▲
Operating profit (loss)9901€-45k€-18k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€7k€341▼
Recurring financial charges65€7k€341▼
Profit (loss) for the period before taxes9903€-49k€-15k▲
Transfer from deferred taxes780€837€837=
Profit (loss) for the period9904€-48k€-14k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-46k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-245k€-257k▼
Profit (loss) brought forward from the previous period14P€-199k€-245k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 105 days late
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 334 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 576 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 743 days late
2023
31-12
Financial
Back to profitnet €180k
Net result €180k after 5 loss-making years.
31-12
Financial
Equity above €200kEq €237k ▲306%
Equity rises from €58k to €237k.
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 233 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 598 days late
2020
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 211 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 576 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 941 days late
2019
31-12
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
2016
25-05
Bankruptcy
Bankruptcy reversal
tribunal de commerce francophone de Bruxelles du 30 novembre 2015 · la SPRL JMO, partie intimée qq, plaideur : Me COJOCARIU, Ramona. Pour ces motifs, la cour, Prend acte du désistement d’action de la SA Horeca Logistic Services; Rapporte la faillite de la SPRL J.M.O
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 1985
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Wilde Tijmstraat 41080 Sint-Jans-MolenbeekGround area
1,172 m²
Building footprint
477 m²
Volume, LiDAR
7,560 m³
Parcel 21524C0240/00C003, Brussels · tallest building 19.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Wilde Tijmstraat 4, 1080 Sint-Jans-Molenbeek
since 19852.026.398.690
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0240/00C003 | Brussels | 1,172 m² | 1 · 477 m² | 19.7 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | à charge de la SPRL J.M.O | 25-05-2016 → present |
Similar companies · same sector, comparable size
DL Knokke
BE 0669.596.740
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ALEM
BE 0477.240.295
Antwerpen · Eq €175k
L'EXPRESS-TABACS
BE 0893.750.575
Quévy · Eq €171k
A.M.C. GESTION
BE 0863.057.894
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MOBYP
BE 0833.316.706
Ukkel · Eq €170k
Of 418 companies in sector 47260 we hold annual accounts for 264. 211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-11-1984
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45250
46350Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.