JBD
ActiveSummary
The computed 12-month bankruptcy probability of JBD is 5.3% (elevated). The 2025 annual accounts show equity of €19,962 and a net result of -€10,091. Equity is shrinking by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 13604 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-33
Solvency73▲+20
Growth32=
Track record100
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.55 against 0.9 in 2024; short-term debt: 51.8% and cash: 8.8% of total assets), and 51.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.2%
Return on assets
-24.4%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
20 d late
2024
4 d late
2023
on the day
2022
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 9 November (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€19,962▼ 33.6%
2024 · €30,053
Total assets
€41,423▼ 61.4%
2024 · €107,336
Net result
-€10,091
2024 · €7,563
Working capital
-€9,635▼ 25.0%
2024 · -€7,708
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€65,365-€44,320▼ 32.2%€28,178▼ 36.4%€10,751▼ 61.8%
Net result€48,507above the sector's middle half-€11,983within the sector's middle half▼ 75.3%€7,563within the sector's middle half▼ 36.9%-€10,091below the sector's middle half
Equity€78,507within the sector's middle half-€90,490above the sector's middle half▲ 15.3%€30,053within the sector's middle half▼ 66.8%€19,962within the sector's middle half▼ 33.6%
Total assets€103,322within the sector's middle half-€101,080within the sector's middle half▼ 2.2%€107,336within the sector's middle half▲ 6.2%€41,423below the sector's middle half▼ 61.4%
Debt€24,815-€10,590▼ 57.3%€77,283▲ 630%€21,461▼ 72.2%
Working capital€28,263within the sector's middle half-€44,565above the sector's middle half▲ 57.7%-€7,708within the sector's middle half-€9,635within the sector's middle half▼ 25.0%
Solvency76.0%above the sector's middle half-89.5%above the sector's middle half▲ 13.5pp28.0%within the sector's middle half▼ 61.5pp48.2%within the sector's middle half▲ 20.2pp
Current ratio2.35above the sector's middle half-5.21above the sector's middle half▲ 2.860.90within the sector's middle half▼ 4.310.55within the sector's middle half▼ 0.35
Return on assets (ROA)46.9%above the sector's middle half-11.9%within the sector's middle half▼ 35.1pp7.0%within the sector's middle half▼ 4.8pp-24.4%below the sector's middle half▼ 31.4pp
Staff (FTE)1.9-2.6▲ 36.8%2.5▼ 3.8%2.4▼ 4.0%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41,423
Fixed assets
€29,597 ▼ 21.6%
Current assets
€11,826 ▼ 83.0%
Equity and liabilities €41,423
Equity
€19,962 ▼ 33.6%
Debt
€21,461 ▼ 72.2%
Debt's share of the balance-sheet total falls from 72.0% to 51.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18,915▼
2024 · €36,342
Cash flow
-€1,927▼
2024 · €15,727
Quick ratio
0.26▼
2024 · 0.84
Debt to equity
1.08▼
2024 · 2.57
ROE
-50.6%▼
2024 · 25.2%
Interest coverage
0.91▼
2024 · 1.66
Debt ≤ 1 year
€21,461▼
2024 · €77,283
Income taxes
-€6▼
2024 · €591
Staff costs
€17,224▼
2024 · €19,323
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,597 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.8%
went bankrupt
9.2%
stopped otherwise
87%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 5.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,597 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €25,962 | €18,631 | €19,323 | €17,224 | ▼ 10.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,087 | €8,163 | €8,164 | €8,164 | = |
| Other operating charges640/8 | €5,893 | €5,905 | €6,381 | €8,423 | ▲ 32.0% |
| Gross operating margin9900 | €110,307 | €77,019 | €62,046 | €44,562 | ▼ 28.2% |
| Operating profit (loss)9901 | €65,365 | €44,320 | €28,178 | €10,751 | ▼ 61.8% |
| Financial income75/76B | €1 | €643 | €1,843 | - | - |
| Recurring financial income75 | €1 | €643 | €1,843 | - | - |
| Financial charges65/66B | €16,859 | €32,980 | €21,867 | €20,848 | ▼ 4.7% |
| Recurring financial charges65 | €16,859 | €32,980 | €21,867 | €20,848 | ▼ 4.7% |
| Profit (loss) for the period before taxes9903 | €48,507 | €11,983 | €8,154 | -€10,097 | ▼ 224% |
| Income taxes67/77 | - | - | €591 | -€6 | ▼ 101% |
| Profit (loss) for the period9904 | €48,507 | €11,983 | €7,563 | -€10,091 | ▼ 233% |
| Profit (loss) for the period to be appropriated9905 | €48,507 | €11,983 | €7,563 | -€10,091 | ▼ 233% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €103,322 | €101,080 | €107,336 | €41,423 | ▼ 61.4% |
| Fixed assets21/28 | €54,088 | €45,925 | €37,761 | €29,597 | ▼ 21.6% |
| Tangible fixed assets22/27 | €54,088 | €45,925 | €37,761 | €29,597 | ▼ 21.6% |
| Plant, machinery and equipment23 | €10,647 | €7,588 | €4,529 | €1,469 | ▼ 67.6% |
| Other tangible fixed assets26 | €43,441 | €38,337 | €33,232 | €28,128 | ▼ 15.4% |
| Current assets29/58 | €49,234 | €55,155 | €69,575 | €11,826 | ▼ 83.0% |
| Stocks and contracts in progress3 | €3,007 | €5,668 | €4,792 | €6,172 | ▲ 28.8% |
| Stocks30/36 | €3,007 | €5,668 | €4,792 | €6,172 | ▲ 28.8% |
| Amounts receivable within one year40/41 | €10,658 | €25,680 | €60,083 | €1,995 | ▼ 96.7% |
| Trade receivables40 | €690 | €690 | €184 | €313 | ▲ 70.1% |
| Other amounts receivable41 | €9,968 | €24,990 | €59,899 | €1,682 | ▼ 97.2% |
| Cash at bank and in hand54/58 | €35,472 | €23,706 | €4,584 | €3,659 | ▼ 20.2% |
| Deferred charges and accrued income490/1 | €97 | €101 | €116 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €103,322 | €101,080 | €107,336 | €41,423 | ▼ 61.4% |
| Equity10/15 | €78,507 | €90,490 | €30,053 | €19,962 | ▼ 33.6% |
| Contributions10/11 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Profit (loss) carried forward14 | €48,507 | €60,490 | €53 | -€10,038 | ▼ 19,040% |
| Amounts payable17/49 | €24,815 | €10,590 | €77,283 | €21,461 | ▼ 72.2% |
| Amounts payable after more than one year17 | €3,844 | - | - | - | - |
| Financial debts170/4 | €3,844 | - | - | - | - |
| Amounts payable within one year42/48 | €20,971 | €10,590 | €77,283 | €21,461 | ▼ 72.2% |
| Current portion of amounts payable after more than one year42 | €8,716 | €3,844 | - | - | - |
| Trade debts44 | €9,258 | €5,100 | €4,374 | €6,960 | ▲ 59.1% |
| Suppliers440/4 | €9,258 | €5,100 | €4,374 | €6,960 | ▲ 59.1% |
| Taxes, remuneration and social security45 | €2,997 | €1,646 | €4,909 | €787 | ▼ 84.0% |
| Taxes450/3 | €1,462 | €44 | €3,667 | - | - |
| Remuneration and social security454/9 | €1,535 | €1,602 | €1,242 | €787 | ▼ 36.6% |
| Other amounts payable47/48 | - | - | €68,000 | €13,714 | ▼ 79.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,507 | €11,983 | €7,563 | -€10,091 | ▼ 233% |
| + Depreciation and write-downs630 | €13,087 | €8,163 | €8,164 | €8,164 | = |
| Operating cash flow (approximation) | €61,594 | €20,146 | €15,727 | -€1,927 | ▼ 112% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | -€11,766 | -€19,122 | -€925 | ▲ 95.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
31-03
Financial
Weakest financial yearnet -€10,091
Net result drops to -€10,091, the lowest in the series.
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 5.21
Current ratio from 2.35 to 5.21; short-term debt falls from €20,971 to €10,590.
2022
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2020
Ground area
173 m²
Building footprint
101 m²
Volume, LiDAR
1,548 m³
Parcel 92094C0111/00L021, Wallonia · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
GREEN FAIRY 2
since 20202.305.014.958
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C0111/00L021 | Wallonia | 173 m² | 1 · 101 m² | 18.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.305.014.958
Similar companies · same sector, comparable size
PAPILLON A3
BE 0674.826.327
Sint-Jans-Molenbeek · Eq €19,968
SALOED
BE 0759.695.585
Rijkevorsel · Eq €19,947
BASTAENS
BE 0432.792.818
Lier · Eq €19,978
GMY
BE 0669.863.984
La Hulpe · Eq €19,996
Kaffee De Sleutel
BE 0896.116.583
Halle · Eq €20,011
Of 14,002 companies in sector 56301 we hold annual accounts for 4,896. 3,999 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-07-2020
Fiscal year end31-03
Activities, NACEBEL 2025
56301Cafés and bars
Contact
E-mail
jbd.namur@hotmail.com
Phone
+32474706746
E-invoicing
Reachable via Peppol
Peppol ID
0208:0749699340
Also
9925:BE0749699340
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.