J-MAC

Active

Private limited companyfounded 20224 yrs activeBreedpadstraat(R.L.) 20, 3870 Heers, BelgiumKBO/BCE: BE 0779.863.469

Summary

The computed 12-month bankruptcy probability of J-MAC is 5.7% (elevated). For J-MAC, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (-€4,556) and a net result of -€2,590. Its solvency ranks better than 7% of 15228 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysis Watch Report Compare

J-MACActive

Risk analysis Report Compare

Checked score

No current score

Figures too old

The available figures for FY 2023 are too old to assess current financial health.

Bankruptcy probability: Elevated

Filing: At least two filing cycles are missing

Axes, FY 2023 · tick = 2022

Profitability0=

Solvency0=

Growth58

Track record94

Bankruptcy probability, 12 months

5.7% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2023

Age of the figures

33 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Wholesale trade (NACE 46)

about 21% more bankruptcies

← fewer bankruptcies more bankruptcies →

Two or more financial years not filed

Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.

NBB · 2 filings

Position against the passed deadline

31-12-2024 close31-07-2025 deadline28-09-2026 today

Filed after the deadline

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-10-2024, 89 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

not filed

2023

89 d late

2022

122 d late

← before the deadline after the deadline →

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

This company filed its last 2 accounts on average 106 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

J-MAC was incorporated on 8 January 2022 as a Private limited company.¹ The company has filed 2 sets of annual accounts, the latest for fiscal year 2023.²

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2023, micro schema

Equity

-€4,556▼ 132%

2022 · -€1,966

Total assets

€2,764▼ 55.5%

2022 · €6,214

Net result

-€2,590▲ 62.8%

2022 · -€6,966

Working capital

-€4,106▼ 109%

2022 · -€1,966

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20222023

Operating result-€6,833--€2,139▲ 68.7%

Net result-€6,966--€2,590▲ 62.8%

Equity-€1,966--€4,556▼ 132%

Total assets€6,214-€2,764▼ 55.5%

Debt€8,180-€7,320▼ 10.5%

Working capital-€1,966--€4,106▼ 109%

Solvency-31.6%-

Current ratio0.76-

Return on assets (ROA)-112.1%-

above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.

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 €2,139 in 2023 against €6,833 in 2022; the loss shrinks.

Key figures and ratios

2023 value · change against 2022

Debt ≤ 1 year

€6,870▼

2022 · €8,180

Ratios withheld: a balance sheet total of €2,764 is too small for a meaningful ratio.

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2023 against 2022 · 28 lines

Balance sheet Code20222023

Assets

Total assets20/58€6,214€2,764▼

Current assets29/58€6,214€2,764▼

Amounts receivable within one year40/41€610€165▼

Other amounts receivable41€610€165▼

Cash at bank and in hand54/58€5,604€2,599▼

Equity and liabilities

Total equity and liabilities10/49€6,214€2,764▼

Equity10/15-€1,966-€4,556▼

Contributions10/11€5,000€5,000=

Profit (loss) carried forward14-€6,966-€9,556▼

Amounts payable17/49€8,180€7,320▼

Amounts payable within one year42/48€8,180€6,870▼

Trade debts44€7,560€1,030▼

Suppliers440/4€7,560€1,030▼

Taxes, remuneration and social security45€112€112=

Taxes450/3€112€112=

Other amounts payable47/48€508€5,728▲

Accrued charges and deferred income492/3-€450

Income statement Code20222023

Other operating charges640/8-€862

Gross operating margin9900-€6,833-€1,277▲

Operating profit (loss)9901-€6,833-€2,139▲

Financial charges65/66B€21€452▲

Recurring financial charges65€21€452▲

Profit (loss) for the period before taxes9903-€6,854-€2,590▲

Income taxes67/77€112-

Profit (loss) for the period9904-€6,966-€2,590▲

Profit (loss) for the period to be appropriated9905-€6,966-€2,590▲

Appropriation of the result

Profit (loss) to be appropriated9906-€6,966-€9,556▼

Profit (loss) brought forward from the previous period14P--€6,966

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2022	2023	Change
Other operating charges640/8	-	€862	-
Gross operating margin9900	-€6,833	-€1,277	▲ 81.3%
Operating profit (loss)9901	-€6,833	-€2,139	▲ 68.7%
Financial charges65/66B	€21	€452	▲ 2,072%
Recurring financial charges65	€21	€452	▲ 2,072%
Profit (loss) for the period before taxes9903	-€6,854	-€2,590	▲ 62.2%
Income taxes67/77	€112	-	-
Profit (loss) for the period9904	-€6,966	-€2,590	▲ 62.8%
Profit (loss) for the period to be appropriated9905	-€6,966	-€2,590	▲ 62.8%

Line	2022	2023	Change
Assets
Total assets20/58	€6,214	€2,764	▼ 55.5%
Current assets29/58	€6,214	€2,764	▼ 55.5%
Amounts receivable within one year40/41	€610	€165	▼ 73.0%
Other amounts receivable41	€610	€165	▼ 73.0%
Cash at bank and in hand54/58	€5,604	€2,599	▼ 53.6%
Equity and liabilities
Total equity and liabilities10/49	€6,214	€2,764	▼ 55.5%
Equity10/15	-€1,966	-€4,556	▼ 132%
Contributions10/11	€5,000	€5,000	=
Profit (loss) carried forward14	-€6,966	-€9,556	▼ 37.2%
Amounts payable17/49	€8,180	€7,320	▼ 10.5%
Amounts payable within one year42/48	€8,180	€6,870	▼ 16.0%
Trade debts44	€7,560	€1,030	▼ 86.4%
Suppliers440/4	€7,560	€1,030	▼ 86.4%
Taxes, remuneration and social security45	€112	€112	=
Taxes450/3	€112	€112	=
Other amounts payable47/48	€508	€5,728	▲ 1,027%
Accrued charges and deferred income492/3	-	€450	-

Line	2022	2023	Change
Profit (loss) for the period9904	-€6,966	-€2,590	▲ 62.8%
Operating cash flow (approximation)	-€6,966	-€2,590	▲ 62.8%
Change in cash	-	-€3,005	-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2024

28-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 89 days late

2023

30-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 122 days late

NBB filing

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors

2 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, Heers · 1 establishment unit since 2022

seat establishment The establishment unit on the map

Ground area

700 m²

Building footprint

199 m²

Volume, LiDAR

1,208 m³

Parcel 73072B0151/00A000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

J-MAC

Real estate development

since 20222.327.633.477

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73072B0151/00A000	Flanders	700 m²	1 · 199 m²	9.7 m · 2 fl.

Linked by address, not proof of ownership

Good to know

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,638 companies in sector 46170 we hold annual accounts for 669. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded08-01-2022

Fiscal year end31-12

Activities, NACEBEL 2025

46170Agents in the wholesale of food, beverages and tobacco

68121Development of residential building projects

46130Agents in the wholesale of timber and building materials

46180Agents specialised in the wholesale of other particular products

46499Wholesale of other household goods

81100Combined facilities support activities

Contact

E-mail janpoffé@icloud.com

E-invoicing

Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Scores and ratios are computed by Checked and are not a credit decision.