Financials
- Fiscal year
- 2025
- Total assets
- €46,389
- Profit
- €15,196
- Solvency
- 0.7%
Total assets▲ 227%
Net result
20182025
J & M Rénovations
ActiveSummary
The computed 12-month bankruptcy probability of J & M Rénovations is 1.6% (moderate). The 2025 annual accounts show equity of €345 and a net result of €15,196. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 33831 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other specialised construction activities
NACE 43990NACE 43995
1 site
Size
€46,389total assets 2025
- Equity
- €345
- Profit
- €15,196
Turnover not published (abridged schema)
Structure
- Board
- 2 members
Accounts filed 56 d late2 of 5 deeds read
Why 56- Latest accounts 56 days late; 2 of the last 3 late- 1 change of registered office in 24 months- Equity €345 (0.7% of total assets)+ Liquidity: current ratio 0.99, cash €23,805Show the evidence
Checked score
Score 2025
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 59% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
26+26
equity 0.7% of total assets
Liquidity
50+47
short-term debt 99.3% · cash 51.3%
Profitability
100+100
return on assets 32.8%
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.0%
12-2024: 1.0%● 0.0% vs 11-2024
01-2025: 1.0%▼ -1.7% vs 12-2024
02-2025: 1.0%● 0.0% vs 01-2025
03-2025: 1.0%▲ +0.1% vs 02-2025
04-2025: 1.0%▲ +0.2% vs 03-2025
05-2025: 1.0%▼ -3.2% vs 04-2025
06-2025: 0.9%▼ -10.1% vs 05-2025lowest value
07-2025: 0.9%▲ +4.0% vs 06-2025
08-2025: 1.3%▲ +41.7% vs 07-2025
09-2025: 1.4%▲ +12.8% vs 08-2025
10-2025: 2.2%▲ +51.6% vs 09-2025
11-2025: 2.2%● 0.0% vs 10-2025
12-2025: 2.2%● 0.0% vs 11-2025
01-2026: 2.2%▼ -0.9% vs 12-2025
02-2026: 2.2%● 0.0% vs 01-2026
03-2026: 2.1%▼ -3.3% vs 02-2026
04-2026: 2.1%● 0.0% vs 03-2026
05-2026: 4.6%▲ +121% vs 04-2026
06-2026: 4.6%▼ -0.1% vs 05-2026
07-2026: 5.0%▲ +7.7% vs 06-2026
08-2026: 5.2%▲ +4.3% vs 07-2026highest value
09-2026: 5.1%▼ -1.8% vs 08-2026
10-2026: 1.6%▼ -68.8% vs 09-2026
- Latest accounts 56 days late; 2 of the last 3 late raises the probability
- 1 change of registered office in 24 months raises the probability
- Liquidity: current ratio 0.99, cash €23,805 lowers the probability
- Equity €345 (0.7% of total assets) raises the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 9%, liquidity 43%, profitability 93%, growth against the median 91%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 33831 sector peers (2025).
NBB · sector comparisonPosition among 33831 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 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
56 d late
2024
40 d late
2023
30 d late
2022
31 d late
2021
45 d late
2020
39 d late
2019
77 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 9 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Resignations: SOLLIMA Giacomo (director) and SAFARYAN…Appointments: STEPANCHUK Roman (non-statutory director)…
- Registered officeRegistered-office move
Key points
By topic
Board & ownership
- Board
- 2 members
Go to Board & ownership
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 25-09-2026Annual accounts filed
- 06-05-2026Resignations: SOLLIMA Giacomo (director) and SAFARYAN Makich…
- 16-04-2026Registered office
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 15-11-2011
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 16
- Annual meeting
- First Monday of June at 18:00
- Purpose
- Alle activiteiten, verrichtingen of werken met betrekking tot de bouw, renovatie…
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