Equity
-€240,122
Debts exceed assets in financial year 2025.
J & W
Lifetime
19 annual accounts with figures on one time axispeak €114,230 (2007)
€18,042▲ 12×
lowest -€261,597 (2021)
-€25,278▼ €21,166
peak €54,608 (2020)
-€240,122▼ €25,278
€263,404▲ 13.0%
peak 2.9 FTE (2007)
-not published
Board1 name since 2020
1 directorVerschaeren Wendy
Documentsfilings and deeds
01-04-202629 days before the deadline
2025micro format
Gross margin from €1,492 to €18,042Loss of €25,278
Key points
from the 2025 annual accountsLosses
-€294,730 in five years
Every financial year from 2021 to 2025 closed with a loss. 2021 was the heaviest.
Debts
€263,404 1,131% of the balance sheet
Financial debts 81%Suppliers 6%Taxes and wages 12%
Of this, €48,730 falls due within a year.
Staff
1 employees on 30-09-2025
In 2025, 1 person joined and nobody left.
Liquidity
0.35 was 1.03 in 2024
Short-term debts rose from €11,070 to €48,730.
Position in the sector
-1031.4%
Lower solvency than 95% of companies in retail trade. Sector median 33.1% · 22,924 companies.
Checked score
53
Fair
Financially stronger than 18% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.9%▲ +0.1 percentage points vs 12-2024
02-2025: 0.8%▼ -0.1 percentage points vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025lowest value
04-2025: 0.9%▲ +0.1 percentage points vs 03-2025
05-2025: 1.0%▲ +0.1 percentage points vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 1.0%● unchanged vs 07-2025
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 1.0%● unchanged vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 1.0%● unchanged vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.2%▲ +0.2 percentage points vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.2%● unchanged vs 06-2026
08-2026: 1.2%● unchanged vs 07-2026highest value
09-2026: 1.2%● unchanged vs 08-2026highest value
10-2026: 1.2%● unchanged vs 09-2026
11-2026: 1.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €25,278, the second in a row (financial year 2025)
Negative equity -€240,122
lowers risk
Size: total assets €23,282
Founded in 2006
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 (NACE 47, micro). It does better than 6% of them on solvency, 35% on liquidity, 6% on profitability and 25% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as J & W has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of J & W itself: 1.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for J & W. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.35 (1.03 in 2024), below 1. Short-term debt is 209.3% and cash 29.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€240,122
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 days early
2024
on the day
2023
36 days early
2022
48 days early
2021
2 days early
2020
3 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 1 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0880585596
Purpose change
“De vervaardiging van gedroogde bloemen; De vervaardiging van kunstbloemen,-fruit en -loofwerk en van…” (deed in Dutch) · General meeting of 06-09-2024 · Gazette deed
Company renamed from Bloemendekor to J & W
Registered office moved to Lint · New registered office: Kapittellaan 2A, 2547 Lint · Reappointment: Verschaeren Wendy (statutory director) · Gazette deed
First establishment
DE KLAMP, Europalaan 3, Rumst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J & W Lint | €23,282 | €18,042 | -1031.4% | - |
| V.I.POP Woluwe-Saint-Lambert | €16,665 | €22,176 | -13.3% | - |
| BLOEMENATELIER BACCARA Brasschaat | €31,828 | €35,486 | 10.7% | - |
| VERGEET-ME-NIETJE Antwerp | €45,151 | €21,189 | 10.7% | - |
| DEN BLOEME WINKEL Merksplas | €26,285 | €38,621 | 65.2% | - |
| PLANTES EXPRESS Walcourt | €37,490 | €21,021 | 82.9% | - |
| FLEURS TENTATION Rixensart | €44,165 | €18,027 | 21.6% | - |
These companies have the same main activity as J & W: retail sale of flowers, plants, seeds and fertilisers (NACE 47761). They are comparable in size and age: total assets between €16,700 and €45,200, founded between 2002 and 2009.
Official details
Source: KBO- Status
- Active since 07-04-2006Normal situation
- Activity
- Retail sale of flowers, plants, seeds and fertilisersNACE 47761and 3 others
- Establishment unit
- 2.153.433.2562840 Rumst, since 11-05-2006
- Financial year end
- 30 September
- Peppol
- Reachable since 29-10-2025
Annual accounts to 30-09-2025
- ≈ €190,000estimated
- €23,282▲ 27.2%
- Employeeson 30-09-2025
- 1
- Filing
- Filed on 01-04-2026, 29 days before the end of the filing period
Insights on J & W
J & W files the micro format. That format states no turnover. The gross margin fell from €114,230 in 2007 to €18,042 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about J & W
- What is the company number of J & W?
- The company number of J & W is 0880.585.596. The VAT number is the same number with BE in front: BE 0880.585.596.
- Where is J & W based?
- The registered office is at Kapittellaan 2A, 2547 Lint.Company details
- What does J & W do?
- According to the KBO register, the main activity is retail sale of flowers, plants, seeds and fertilisers (NACE 47761).
- What is the legal form of J & W?
- J & W is a private limited company (BV).
- When was J & W founded?
- J & W was founded on 07-04-2006.
- Is J & W still active?
- Yes, J & W is an active enterprise in the KBO register.
- How many employees does J & W have?
- J & W had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of J & W?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €18,042 and 118 comparable companies (NACE 477). It probably lies between €69,000 and €400,000. It is a rough estimate.
- Is J & W profitable?
- In financial year 2025, J & W made a loss of €25,278.
- Where can I find the annual accounts of J & W?
- J & W filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of J & W due?
- J & W must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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