Turnover
≈ €200,000 estimated
The micro format states no turnover.
JBDM
Overview
Lifetime
1 annual account with figurespeak €47,417 (2025)
€47,417
peak €329 (2025)
€329
peak €3,329 (2025)
€3,329
€144,124
Board3 names since 2024
2 directorsCÁRDENAS TRUJILLO Janeth Mónica and 1 other
Documentsfilings and deeds
27-08-202627 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€144,124 98% of the balance sheet
Suppliers 45%Taxes and wages 8%Other 47%
Of this, €80,529 falls due within a year.
Board
1 left
A director left. Latest change 31-07-2026 · 2 in office.
2025 accounts filed 27 days after the deadline
Checked score
52
Fair
Financially stronger than 48% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 3.9%
12-2025: 3.9%● unchanged vs 11-2025
01-2026: 4.1%▲ +0.2 percentage points vs 12-2025
02-2026: 4.4%▲ +0.3 percentage points vs 01-2026
03-2026: 4.6%▲ +0.2 percentage points vs 02-2026
04-2026: 4.9%▲ +0.3 percentage points vs 03-2026
05-2026: 4.9%● unchanged vs 04-2026
06-2026: 5.3%▲ +0.4 percentage points vs 05-2026highest value
07-2026: 5.3%● unchanged vs 06-2026
08-2026: 5.1%▼ -0.2 percentage points vs 07-2026
09-2026: 2.6%▼ -2.5 percentage points vs 08-2026lowest value
10-2026: 2.7%▲ +0.1 percentage points vs 09-2026
11-2026: 2.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Sector: Food and beverage service activities (NACE 56)
Size: total assets €147,453
lowers risk
Liquidity: current ratio 1.38, cash €59,811
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 56, micro). It does better than 27% of them on solvency, 76% on liquidity and 42% on profitability.
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 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 2,135 companies had the same profile as JBDM has now. Each dot stands for 6 companies, two years later.
92.0%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JBDM itself: 2.7% 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 2,135 companies, not a prediction for JBDM. 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 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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Resignation: Orega Cardenas Jaïr (director)
General meeting of 30-07-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015511212
Incorporation
Founding capital of €3,000, 300 shares · Founder: CÁRDENAS TRUJILLO Janeth Mónica · Appointments: CÁRDENAS TRUJILLO Janeth Mónica (director) and ORTEGA CARDENAS Jaïr Steev (director) · published on 28-10-2024 · Gazette deed
First establishment
't schuurke, Vleminkstraat 49, Aarschot
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JBDM Aarschot | €147,453 | €47,417 | 2.3% | - |
| RNQN Dilsen-Stokkem | €150,397 | €45,771 | 23.8% | - |
| DEN TUUS Asse | €127,021 | €43,821 | 26.6% | - |
| Elephant Coffee Tournai | €117,627 | €46,955 | 16.2% | - |
| AMK Concept La Hulpe | €125,299 | €61,863 | -44.1% | - |
| DE NIEUWE KLOK Ninove | €150,076 | €37,496 | 32.8% | - |
| ARNAUTOVIC Grâce-Hollogne | €180,515 | €43,118 | 8.0% | - |
These companies have the same main activity as JBDM: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €118,000 and €181,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 24-10-2024Normal situation
- Activity
- Cafés and barsNACE 56301
- Establishment unit
- 2.366.587.9843201 Aarschot, since 24-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Insights on JBDM
The computed 12-month bankruptcy probability of JBDM is 2.7% (moderate). The 2025 annual accounts show equity of €3,329 and a net result of €329.
Its solvency ranks better than 28% of 17,158 sector peers (NACE 56, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-08-2026, 27 days late€47,417
€6,124
€329
€30,339
2.3%
1.38
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €130,000 and €260,000.
Balance sheet
balance sheet total €147,453 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
2.3%
Higher than 28% of 17,158 companies in 2025.
1.38
Higher than 59% of 16,582 companies in 2025.
0.2%
Higher than 36% of 16,665 companies in 2025.
JBDM
Middle half of the sector
80% of the sector
Micro accounts in food and beverage service (NACE 56)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
147,453 | |
21/28 |
36,585 | |
21 |
26,992 | |
22/27 |
9,593 | |
23 |
9,593 | |
29/58 |
110,868 | |
3 |
7,981 | |
30/36 |
7,981 | |
40/41 |
40,075 | |
40 |
39,772 | |
41 |
302 | |
54/58 |
59,811 | |
490/1 |
3,000 | |
| Balance sheet: equity and liabilities | ||
10/49 |
147,453 | |
10/15 |
3,329 | |
10/11 |
3,000 | |
14 |
329 | |
17/49 |
144,124 | |
42/48 |
80,529 | |
44 |
65,414 | |
440/4 |
65,414 | |
46 |
3,630 | |
45 |
11,484 | |
450/3 |
3,554 | |
454/9 |
7,930 | |
492/3 |
63,595 | |
| Income statement | ||
9900 |
47,417 | |
62 |
35,299 | |
630 |
5,415 | |
640/8 |
580 | |
9901 |
6,124 | |
75/76B |
5 | |
75 |
5 | |
65/66B |
2,246 | |
65 |
2,246 | |
9903 |
3,883 | |
67/77 |
3,554 | |
9904 |
329 | |
9905 |
329 | |
| Appropriation of the result | ||
9906 |
329 | |
| Document | ||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 27 days after the deadline. Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00434478.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00434478 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 11,539 | ||
| 5,743 | ||
| 42,000 | ||
| 30,339 | ||
| 2.3% | ||
| 1.38 | ||
| 1.28 | ||
| 43.30 | ||
| 9.9% | ||
| 0.2% | ||
| 5.14 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €12,000 |
| Intangible fixed assets | €30,000 |
| €5,415 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on JBDM
Debt's share of the balance-sheet total is 97.7%.
Board & ownership
Board
2 directors, no change since July 2026Director (not named in the articles)
since 24-10-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 27-08-2026
Director (not named in the articles)
since 24-10-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 27-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-10-2024
Mandates through the years
3 names, the dashed line is todayCÁRDENAS TRUJILLO Janeth Mónica
Director (not named in the articles)
Director (not named in the articles)
ORTEGA CARDENAS Jaïr Steev
Director (not named in the articles)
Director (not named in the articles)
Orega Cardenas Jaïr
Director
Director
BoardEarliermandate already running before its first mention
Mandates as a list
- CÁRDENAS TRUJILLO Janeth Mónica
- Director (not named in the articles), from 24-10-2024 to date
- ORTEGA CARDENAS Jaïr Steev
- Director (not named in the articles), from 24-10-2024 to date
- Orega Cardenas Jaïr
- Director, until 31-07-2026
Control
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- €11.10 in 2025
- Source
- deed of 28-10-2024
Articles of association
deed of 28-10-2024 (in Dutch)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Onbepaalde duur, besluit algemene vergadering beraadslagend zoals inzake statutenwijziging”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Bestuurder(s) in functie aangewezen als vereffenaar(s) krachtens statuten indien geen andere vereffenaar benoemd; algemene vergadering mag…”
Shareholders
At incorporation
deed of 28-10-2024 ↗
- CÁRDENAS TRUJILLO Janeth Mónica 300 shares (100%) · €3,000
Network & group
No group
JBDM has no parent and no holdings in its annual accounts. JBDM shares no director with another company.
Timeline
Timeline
5 events since 2024Board
Filings
Establishments
202420252026
2026
- General meeting, 30-07-2026
- Director resignation, Orega Cardenas Jaïr
Annual accounts 2025 filed NBBmicro format · 27 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1015511212
2024
IncorporationFounding capital of €3,000, 300 shares · Founder: CÁRDENAS TRUJILLO Janeth Mónica · Appointments: CÁRDENAS TRUJILLO Janeth Mónica (director) and ORTEGA CARDENAS Jaïr Steev (director) · published on 28-10-20249 points ▸
- Founder, CÁRDENAS TRUJILLO Janeth Mónica
- Founding capital, €3,000, 300 shares
- 300 shares
- Registered office clause, Vleminkstraat 49, 3201 Aarschot (Langdorp)
- Board rule, 2
- Director appointment, CÁRDENAS TRUJILLO Janeth Mónica (director (not named in the articles))
- Director appointment, ORTEGA CARDENAS Jaïr Steev (director (not named in the articles))
- Permanent representative, CÁRDENAS TRUJILLO Janeth Mónica
- Power of attorney, BART VAN THIELEN
- The deed holds 6 more points.
First establishment 't schuurke, Vleminkstraat 49, Aarschot
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1015.511.212
- VAT number
- BE 1015.511.212
- Peppol ID
- 0208:1015511212
- Other Peppol ID
- 9925:BE1015511212
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-10-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00deed of 28-10-2024 (in Dutch)
- Peppol
- Reachable since 08-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- JBDM in Dutch
- Trade name
- ’t Schuurke in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 2025VAT activities
56301
Cafés and bars main activity
Social security (RSZ) activities
56301
Cafés and bars main activity
Codes under NACEBEL 2008
56301
Cafés and bars main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Café-restaurants (tavernen); Restaurant van het traditionele type; Verkoop van maaltijden aan boord van schepen en restauratiewagens…”deed of 28-10-2024 (in Dutch)
43 activities
- Café-restaurants (tavernen)
- Restaurant van het traditionele type
- Verkoop van maaltijden aan boord van schepen en restauratiewagens
- Restaurants gespecialiseerd in de organisatie van gastronomische weekends,exotische eethuizen,enz.
- Restaurants met een beperkt aantal kamers (max.5) ten behoeve van de eigen cliënteel
- Verkoop van dranken voor,in het algemeen,consumptie ter plaatse,eventueel in combinatie met enigerlei vorm van amusement door: cafés,bar,bierhallen,enz.
- Regelmatige exploitatie van discotheken,dancings en privé-clubs,die hun omzet verwezenlijken door de verkoop van dranken,ook indien entreekaarten worden verkocht die recht geven op consumpties
- Andere drinkgelegenheden
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: snelbuffetten (snackbars,sandwichbars,enz)
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: frietkramen,hotdogstalletjes,enz.
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: croissanteries,crêperies en warme wafelkramen
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: tearooms,ijssalons,enz.
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: cafetaria's
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: drive-in restaurants
- Verkoop aan de toog of via telefoon,fax,internet van eetwaren en dranken: pizzeria's
- Klaarmaken,thuisbezorgen en eventueel serveren van maaltijden en bereide schotels
- Organiseren en verzorgen van bruiloften,banketten,cocktails,lunches,recepties,enz.
- Managementsactiviteiten van holdings: tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal,enz.
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidene economische sectoren...
- Afsluiten van een financieringshuurcontract voor uitrustingsgoederen tussen leasinggever en leasingnemer
- Activiteiten van financieringsmaatschappijen die uitsluitend kredietovereenkomsten afsluiten met een consument: verkopen en leningen op afbetaling,financieringshuur,kredietopeningen,enz.
- Overige zakelijke dienstverlening,n.e.g.
- Ontwikkeling van bouwprojecten
- Ontwikkeling van residentiële bouwprojecten
- Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken
- Projectontwikkeling voor de bouw van appartementsgebouwen
- Projectontwikkeling voor kantoorbouw
- Projectontwikkeling voor de bouw of de aanleg van: commerciële,en industriële centra,hotels,industriezones en markten,jachthavens,wintersportcentra,enz.
- Bouw van appartementen volgens de formule "sleutel op de deur"
- De aan- en verkoop van onroerende goederen,het bouwrijp maken van terreinen,het bebouwen ervan met woningen en appartementen met het oog op de tekoopstelling,het verwerven,verbeteren,inrichten,bezitten en beheren van onroerende goederen van alle aard
- Het verhuren en ter beschikking stellen onder alle vormen van alle onroerende goederen van alle bestemmingen
- Projectontwikkeling van onroerende goederen
- Adviesverlening inzake onroerende goederen en onroerende beleggingen
- Het beleggen van vermogens,het beheer van onroerend vermogen en de huurfinanciering van onroerende goederen aan derden,alsmede alle herstellingen die rechtstreeks met dit doel in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen,zoals het onderhoud,de ontwikkeling,de verfraaiing,de aan- en verkoop,de huur en verhuring van deze goederen,alsmede de borgstelling voor de goede afloop van verbintenissen voor derde personen aangegaan die het genot zouden hebben van deze onroerende goederen
- De verwerving,vervreemding,het beheer,de uitbating,de valorisatie,het huren en verhuren,de ordening,de verkaveling,het doen bouwen of verbouwen,de procuratie,de handel in onroerende goederen,dit in de ruimste zin van het woord met inbegrip van onroerende leasing
- Het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden en afgeleide producten,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten vennootschappen
- Het bevorderen van de oprichting van vennootschappen door inbreng,participaties of investering
- Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositobanken,houders van deposito's op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondememingen
- Het verwerven (op eender welke manier) en/of aanhouden van participaties in bestaande en/of nog op te richten maatschappijen
- Het beheren,valoriseren en te gelde maken van deze participaties
- Het deelnemen aan het bestuur,de vereffening en het toezicht van de ondernemingen waarin zij participeert
- Het verlenen van technische,administratieve en financiële bijstand aan deze ondernemingen; het stimuleren,plannen,en coördineren van de ontwikkeling van deze ondernemingen
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| 't schuurke registered office Vleminkstraat 49, 3201 Aarschot | 24-10-2024 | 2.366.587.984 | Restaurant |
Buildings and parcels at the address
- Ground area
- 714 m²
- Buildings
- 177 m²
- Volume, LiDAR
- 850 m³
- Tallest building
- 7.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24652G0319/00Y000 | 714 m² | 1 · 177 m² | 7.5 m · 2 |
Recognitions
Food safety, FASFC
1 siteAarschotunit number 2.366.587.984