J & N INTERIORS
Open bankruptcyA bankruptcy procedure is open for J & N INTERIORS according to publications in the Belgian State Gazette; curator: PIERRE SCHMITS.
Summary
The 2023 annual accounts show equity of €637k and a net result of €55k.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2023 was due by 31-10-2023 and was filed on 03-10-2023, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
28 d early
2022
3 d early
2021
3 d late
2020
65 d early
2019
125 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€55k▲ 11.9%
2022 · €49k
2019: €-108k
2020: €43k
2021: €346k
2022: €49k
2019 → 2023
Working capital
€532k▼ 9.4%
2022 · €587k
2019: €-58k
2020: €-44k
2021: €319k
2022: €587k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€-28k-€15k€361k▲ 2,312%€582k▲ 61.2%€637k▲ 9.5%
Operating result€-90k-€55k€495k▲ 793%€80k▼ 83.9%€92k▲ 15.0%
Net result€-108k-€43k€346k▲ 711%€49k▼ 85.7%€55k▲ 11.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 15% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €1.16M
Fixed assets
€362k ▲ 257%
Current assets
€803k ▲ 13.0%
Equity and liabilities €1.16M
Equity
€637k ▲ 9.5%
Provisions
€40k ▼ 3.9%
Debt
€489k ▲ 159%
Debt's share of the balance-sheet total rises from 23.3% to 41.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€118k▲
2022 · €104k
Cash flow
€81k▲
2022 · €74k
Current ratio
2.97▼
2022 · 5.78
Quick ratio
0.35▼
2022 · 0.96
Debt to equity
0.77▲
2022 · 0.32
ROE
8.7%▲
2022 · 8.5%
ROA
4.7%▼
2022 · 6.1%
Interest coverage
10.19▲
2022 · 7.75
Debt ≤ 1 year
€270k▲
2022 · €123k
Debt > 1 year
€213k▲
2022 · €66k
Income taxes
€27k▲
2022 · €20k
Staff costs
€244k▲
2022 · €198k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 59 lines
Balance sheet
Code20222023
Assets
Total assets20/58€812k€1.16M▲
Fixed assets21/28€101k€362k▲
Tangible fixed assets22/27€100k€80k▼
Plant, machinery and equipment23€70k€55k▼
Furniture and vehicles24€30k€25k▼
Financial fixed assets28€2k€283k▲
Current assets29/58€710k€803k▲
Stocks and contracts in progress3€592k€707k▲
Stocks30/36€592k€707k▲
Amounts receivable within one year40/41€112k€95k▼
Trade receivables40€93k€95k▲
Other amounts receivable41€19k-
Cash at bank and in hand54/58€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€812k€1.16M▲
Equity10/15€582k€637k▲
Contributions10/11€19k€19k=
Reserves13€317k€371k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€165k€159k▼
Distributable reserves133€150k€210k▲
Profit (loss) carried forward14€246k€247k▲
Provisions and deferred taxes16€41k€40k▼
Deferred taxes168€41k€40k▼
Amounts payable17/49€189k€489k▲
Amounts payable after more than one year17€66k€213k▲
Financial debts170/4€66k€213k▲
Amounts payable within one year42/48€123k€270k▲
Current portion of amounts payable after more than one year42€56k€104k▲
Financial debts43-€45k
Credit institutions430/8-€45k
Trade debts44€46k€29k▼
Suppliers440/4€46k€29k▼
Taxes, remuneration and social security45€21k€81k▲
Taxes450/3-€41k
Remuneration and social security454/9€21k€40k▲
Other amounts payable47/48-€12k
Accrued charges and deferred income492/3-€5k
Income statement
Code20222023
Remuneration, social security and pensions62€198k€244k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€86-
Gross operating margin9900€304k€363k▲
Operating profit (loss)9901€80k€92k▲
Financial income75/76B€1k€363▼
Recurring financial income75€1k€363▼
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€68k€81k▲
Transfer from deferred taxes780€2k€2k▼
Income taxes67/77€20k€27k▲
Profit (loss) for the period9904€49k€55k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€56k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€296k€307k▲
Profit (loss) brought forward from the previous period14P€240k€246k▲
Transfer to equity691/2€50k€60k▲
To other reserves6921€50k€60k▲
Social balance
Average headcount (FTE)90875.24.3▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
31-07
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · J & N INTERIORS SRL RUE BERIBOU 8/A, 4800 VERVIERS · event 25-07-2024
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Liquidity quadruplescurrent ratio 5.78
Current ratio from 1.56 to 5.78; short-term debt falls from €574k to €123k.
31-03
Financial
Equity above €500kEq €582k ▲61.2%
3 profitable years in a row build equity to €582k.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
31-03
Financial
Highest result since 2019net €346k ▲711%
Operating result €495k, net result €346k, both a record.
31-03
Financial
Equity above €200kEq €361k ▲2312%
2 profitable years in a row build equity to €361k.
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Show earlier events
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2014
23-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Verviers · 1 establishment unit since 2005
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.
Rue Béribou 84800 VerviersGround area
1,386 m²
Building footprint
127 m²
Volume, LiDAR
1,408 m³
Parcel 63043B0258/00C000, Wallonia · tallest building 17.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J & N INTERIORS
since 20052.146.150.833
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63043B0258/00C000 | Wallonia | 1,386 m² | 1 · 127 m² | 17.6 m · 4 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 | PIERRE SCHMITS RUE LAOUREUX 42, 4800 VERVIERS- |
25-07-2024 → present |
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,172 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2005
Fiscal year end31-03
Activities, NACEBEL 2025
47551Retail sale of household furniture
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.