Equity
-€3,968
Debts exceed assets in financial year 2025.
J2RM
Lifetime
7 annual accounts with figures on one time axisGross marginpeak €31,744 (2025)
€31,744▲ 64.7%
Resultlowest -€8,057 (2019)
-€3,930▼ €1,516
Equitypeak €6,515 (2021)
-€3,968▼ €3,930
Debts
€14,366▲ 45.5%
Board1 name since 2023
1 directorROSSI Jessica
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €19,269 to €31,744Loss of €3,930Equity from -€38 to -€3,968Debts from €9,874 to €14,366Cash from €999 to €3,039
Key points
from the 2025 annual accountsLosses
-€10,483 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Turnover
≈ €85,000 estimated
The micro format states no turnover.
Debts
€14,366 138% of the balance sheet
Suppliers 13%Taxes and wages 45%Other 42%
Filings
7 annual accounts 3 late
The 2019 accounts came latest: 48 days after the end of the period.
Position in the sector
-38.2%
Lower solvency than 81% of companies in personal services. Sector median 26.9% · 5,729 companies.
Checked score
53
Fair
Financially stronger than 12% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025lowest value
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.4 percentage points vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.0%▼ -0.1 percentage points vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.1%▲ +0.1 percentage points vs 02-2026
04-2026: 1.1%● unchanged vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.2%▲ +0.1 percentage points vs 06-2026
08-2026: 1.7%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 1.3%▼ -0.4 percentage points vs 08-2026
10-2026: 1.3%● unchanged vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€3,968
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Loss of €3,930, the second in a row (financial year 2025)
lowers risk
Size: total assets €10,398
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 96, micro). It does better than 11% of them on solvency, 28% on liquidity, 9% on profitability and 1% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
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, 6,008 companies had the same profile as J2RM has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of J2RM itself is lower: 1.3% within 12 months. It rests on far more data about J2RM than the profile alone.
Test of the method
The method was tested on the 497,446 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 6,008 companies, not a prediction for J2RM. 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 0.72 (1.0 in 2024), below 1. Short-term debt is 138.2% and cash 29.2% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 -€3,968
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
31 days late
2024
14 days early
2023
41 days early
2022
38 days early
2021
31 days early
2020
21 days late
2019
48 days late
← 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 3 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · 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 30 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Change of role: ROSSI Jessica, from manager to director
Director discharge: ROSSI Jessica · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 05-07-2023 · Gazette deed
Registered office moved from Oupeye to Cheratte
New registered office: Rue de Visé, 112 4602 CHERATTE · Previous registered office: Rue de la Serenne, 3 à 4683 Oupeye · Gazette deed
Incorporation
published on 21-12-2018 · Gazette deed
First establishment
Rue de Visé 112, Visé
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| J2RM Visé | - | - | -38.2% | - |
| EUROBEL GROUPE Liège | - | - | -320.9% | - |
| HMZ COIFF Wavre | €39,512 | 20.8% | -85.9% | - |
| ALTERNA'TIF Flémalle | - | - | -357.7% | - |
| La Suite VIP Grâce-Hollogne | - | - | 19.3% | - |
| REWAN Kortrijk | €56,817 | -18.7% | -694.0% | - |
| KARAYEM Colfontaine | - | - | -739.9% | - |
These companies have the same main activity as J2RM: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €9,290 and €16,800, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 19-12-2018Normal situation
- Activity
- Hairdressing and barber servicesNACE 96210
- Establishment unit
- 2.284.549.1464602 Visé, since 19-12-2018
- Financial year end
- 31 December
- Peppol
- Reachable
Insights on J2RM
J2RM files the micro format. That format states no turnover. The gross margin rose from €6,779 in 2019 to €31,744 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 J2RM
- What is the company number of J2RM?
- The company number of J2RM is 0716.662.229. The VAT number is the same number with BE in front: BE 0716.662.229.
- Where is J2RM based?
- The registered office is at Rue de Visé 112, 4602 Visé.Company details
- What does J2RM do?
- According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
- What is the legal form of J2RM?
- J2RM is a private limited company (BV).
- When was J2RM founded?
- J2RM was founded on 19-12-2018.
- Is J2RM still active?
- Yes, J2RM is an active enterprise in the KBO register.
- How many employees does J2RM have?
- J2RM had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of J2RM?
- The turnover in financial year 2025 is ≈ €85,000. This figure is estimated from the gross margin of €31,744 and 33 comparable companies (NACE 96210). It probably lies between €68,000 and €110,000.
- Is J2RM profitable?
- In financial year 2025, J2RM made a loss of €3,930.
- Where can I find the annual accounts of J2RM?
- J2RM filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of J2RM due?
- J2RM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.