J.V.M.

Active

Public limited companyfounded 1971active for 55 yearsZuiderring 28, 3600 Genk, BelgiumKBO/BCE: BE 0411.088.473

From the official registers: KBO 49 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

J.V.M. has been active since 1971 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263,858 and a net result of -€3,049. Equity has been shrinking by about 4.1% per year since 2018. The computed 12-month bankruptcy probability is below 0.1% (very low).

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J.V.M.ActiveChecked score 94/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 01-01-1971 Normal situation
Legal form: Public limited company
Registered office: Zuiderring 28, 3600 Genk
Activity: “Werkplaats voor het herstellen en onderhouden van motorvoertuigen.” (deed in Dutch)From the articles, 16 activitiesNo NACE code in the KBO yet
Establishment unit: 2.007.204.568 3600 Genk, since 01-01-1971
Financial year end: 31 December
Peppol: Reachable since 14-08-2025

Company details

Board and ownership

Board

B & F AUTOCARSDirector · permanent representative Francis Paulussen

Shareholders

B & F AUTOCARS99.94%annual accounts 2025
Bart Tilmans0.03%annual accounts 2020
Paulussen Francis0.03%annual accounts 2020

Board & ownership

Financial position

94 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Annual accounts 2025

Gross margin: -€2,390
Loss: €3,049
Equity: €263,858; ▼ 1.1%
Total assets: €264,943; ▼ 2.6%

2025 accounts filed 46 days before the deadline

Filed on 15-06-2026at the National Bank

Financials

Score breakdownlowers riskSize: total assets €264,943Founded in 1971Equity €263,858 (99.6% of total assets)Liquidity: current ratio 32.46, cash €35,207Show the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Financially stronger than 52% of micro companies without a NACE code

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Strong

Solvency 100=

equity 99.6% of total assets

Liquidity 67=

short-term debt 0.4% · cash 13.3%

Profitability 35-36

return on assets -1.2%

Bankruptcy probability within 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025highest value 08-2025: < 0.1%▼ -0.2 percentage points vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €24,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 32.46 (8.22 in 2024), above the usual 1.5. Short-term debt is 0.4% and cash 13.3% of total assets. 0.4% of the assets are financed with debt and provisions.

Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 63% on liquidity, 24% on profitability and 41% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.

lowers riskneutral

Size: total assets €264,943

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Founded in 1971

Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.

KBO

Equity €263,858 (99.6% of total assets)

NBB · annual accounts

Liquidity: current ratio 32.46, cash €35,207

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-06-2026, 46 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

46 days early

2024

23 days early

2023

20 days early

2022

31 days early

2021

24 days early

2020

43 days early

2019

32 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

The company filed its last 7 accounts on average 31 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Documents

Key facts about J.V.M.

What is the company number of J.V.M.?: The company number of J.V.M. is 0411.088.473. The VAT number is the same number with BE in front: BE 0411.088.473.
Where is J.V.M. based?: The registered office is at Zuiderring 28, 3600 Genk.Company details
What is the legal form of J.V.M.?: The legal form of J.V.M. is Public limited company (NV).
When was J.V.M. founded?: J.V.M. was founded on 01-01-1971.
Is J.V.M. still active?: Yes, J.V.M. is an active enterprise in the KBO register.
How many employees does J.V.M. have?: J.V.M. had an average of 2.3 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
What is the turnover of J.V.M.?: The annual accounts for financial year 2025 state no turnover.
Is J.V.M. profitable?: In financial year 2025, J.V.M. made a loss of €3,049.
Where can I find the annual accounts of J.V.M.?: J.V.M. filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of J.V.M. due?: J.V.M. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline