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Generated 13-07-2026
Active BE 0779.863.469Private limited company

J-MAC

Breedpadstraat(R.L.) 20 ·3870 Heers, Belgium· 4 yrs active
Sector: Wholesale trade (46170)
Conclusion Checked

The computed 12-month bankruptcy probability of J-MAC is 5.5% (elevated). The 2023 annual accounts show negative equity (€-5k) and a net result of €-3k. Its solvency ranks better than 6% of 2831 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-5k
Net result €-3k
Better than sector 6%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health25Profitability100Solvency33Growth58Stability94
62 / 100

Strong profile, led by profitability.

Health 25
Profitability 100
Solvency 33
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
5.5% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
25 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 28-10-2024 with the NBB · fiscal year 2023 · micro
€-8k€-6k€-4k€-2k€0Operating result 2022: €-7k€-7kNet result 2022: €-7k€-7kOperating result 2023: €-2k€-2kNet result 2023: €-3k€-3k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -164.8% 25.5%
better than 6% of 2831 sector peers
Net result €-3k €4k
better than 31% of 2821 sector peers
Equity €-5k €20k
better than 19% of 2842 sector peers
Gross operating margin €-1k €18k
better than 22% of 2812 sector peers
Total assets €3k €101k
better than 5% of 2831 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-3k
+62.8% far below sector median
Total assets
€3k
-55.5% -100% vs sector
Equity
€-5k
-131.8% far below sector median
Working capital
€-4k
-108.9% far below sector median
Income taxes
€112
- -100% vs sector
Debt
€7k
-10.5% -99% vs sector
Debt ≤ 1y
€7k
-16.0% -97% vs sector
Current ratio
0.40
-47.0% -82% vs sector
Quick ratio
0.40
-47.0% -82% vs sector
Solvency
-164.8%
-421.1% far below sector median
Debt / equity
-1.61
+61.4% far below sector median
ROE
56.9%
-84.0% +212% vs sector
ROA
-93.7%
+16.4% far below sector median
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA-
Net profit€-3k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€3k
Equity€-5k
Debt€7k
of which ≤ 1y€7k
of which > 1y-
Working capital€-4k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.40
Quick ratio0.40
Working capital ratio-148.6%
Solvency-164.8%
Debt / equity-1.61
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-93.7%
ROE56.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€3k
Current assets 29/58€3k
Amounts receivable within one year 40/41€165
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3k
Equity 10/15€-5k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-10k
Amounts payable 17/49€7k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€-1k
Operating result 9901€-2k
Financial charges 65€452
Result before taxes 9903€-3k
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Wholesale trade(46170)
Legal form Private limited company(610)
Incorporation08-01-2022
StatusActive
Postal code3870
Establishment units 1 location
J-MAC
Breedpadstraat(R.L.) 20, 3870 HeersOntwikkeling van residentiële bouwprojecten
since 20222.327.633.477
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73072B0151/00A000 Flanders 700 m² 1 · 199 m² 9.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
28-10-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
30-11-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Handelsbemiddeling in voedings- en genotmiddelen46170Handelsbemiddeling in de groothandel in voedings- en genotmiddelen46170Ontwikkeling van residentiële bouwprojecten41101Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in hout en bouwmaterialen46130Handelsbemiddeling in de groothandel in hout en bouwmaterialen46130Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in andere consumentenartikelen, n.e.g.46499Groothandel in andere consumentenartikelen, neg46499Ontwikkeling van residentiële bouwprojecten68121Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100
Primary activity highlighted.
Names & trade names
Legal nameNL J-MAC
Registered office
Breedpadstraat(R.L.) 20
3870 Heers, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative