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JARDI - GRAINS

Active
Private limited company (pre-2019)founded 1993active for 32 yearsRue du Pays de Liège(Leignon) 50, 5590 Ciney, BelgiumKBO/BCE: BE 0451.400.089
Summary

The computed 12-month bankruptcy probability of JARDI - GRAINS is 2.4% (moderate). The 2024 annual accounts show equity of €128,135 and a net result of -€4,604. Equity is growing by about 3.8% per year across the filed financial years. Its solvency ranks better than 65% of 15,476 sector peers (NACE 46, financial year 2024). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Wholesale of agricultural produce and animal feed, general range
NACE 46216
1 site
Size
€221,170total assets 2024
Equity
€128,135
Loss
-€4,604
Turnover not published (micro format)
Financial health
52 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.4%
Structure
Accounts 80 days overdue0 of 1 deed read
Why 52raises riskFigures for financial year 2024 (filed 16-12-2025)Liquidity: current ratio 3.50, cash €3911 financial year not filed after the legal deadline; latest accounts 138 days late; 3 of the last 3 latelowers riskFounded in 1993Show the evidence

Checked score

Score 2024
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 40% of its sector peers (NACE 46, micro)
Financial strength · tick = 2023
Weak
Solvency 83-4
equity 57.9% of total assets
Liquidity 41-3
short-term debt 24.0% · cash 0.2%
Profitability 21-21
return on assets -2.1%
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,876 companies, NACE 46, micro)
Last 24 months 11-2024: 3.0% 12-2024: 3.8%▲ +0.8 percentage points vs 11-2024highest value 01-2025: 1.2%▼ -2.6 percentage points vs 12-2024 02-2025: 1.2%● unchanged vs 01-2025 03-2025: 1.2%● unchanged vs 02-2025 04-2025: 1.2%● unchanged vs 03-2025 05-2025: 1.2%● unchanged vs 04-2025 06-2025: 1.1%▼ -0.1 percentage points vs 05-2025 07-2025: 1.3%▲ +0.2 percentage points vs 06-2025 08-2025: 1.7%▲ +0.4 percentage points vs 07-2025 09-2025: 1.9%▲ +0.2 percentage points vs 08-2025 10-2025: 2.6%▲ +0.7 percentage points vs 09-2025 11-2025: 2.7%▲ +0.1 percentage points vs 10-2025 12-2025: 3.5%▲ +0.8 percentage points vs 11-2025 01-2026: 1.3%▼ -2.2 percentage points vs 12-2025 02-2026: 1.1%▼ -0.2 percentage points vs 01-2026 03-2026: 1.1%● unchanged vs 02-2026 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 1.0%▼ -0.1 percentage points vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026lowest value 07-2026: 1.0%● unchanged vs 06-2026 08-2026: 1.6%▲ +0.6 percentage points vs 07-2026 09-2026: 1.7%▲ +0.1 percentage points vs 08-2026 10-2026: 2.4%▲ +0.7 percentage points vs 09-2026
Credit of up to €6,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 3.5, compared with 4.2 in 2023, above the usual 1.5; short-term debt: 24% and cash: 0.2% of total assets), and 42.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 65% on solvency, 39% on liquidity, 22% on profitability and 33% on growth.

The bankruptcy probability was computed on 19-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed 16-12-2025)
NBB · annual accounts
lowers risk · Founded in 1993
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 3.50, cash €391
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 138 days late; 3 of the last 3 late
NBB · filings
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 80 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline19-10-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-12-2025, 138 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
138 days late
2023
134 days late
2022
151 days late
2021
150 days late
2020
153 days late
2019
173 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 150 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Weakest financial yearnet -€4,604
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 80 days late View
  • Active since 1993founded 15-11-1993 32 years View
  • Total assets 20246 financial years filed €221,170 View

By topic

Financials

Financial year
2024
Total assets
€221,170
Loss
-€4,604
Solvency
57.9%
Turnover▼ 52.4%
Net result
20192021
Go to Financials

Timeline

Events
33
Since
1995
  1. 29-12-2023Annual accounts filed
  2. 31-12-2022Highest result from 2018 to 2024
  3. 28-12-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Wholesale of agricultural produce and animal feed, general…NACE 46216
Founded
15-11-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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