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JERARMI

Active
Private limited company·Activiteiten van eetgelegenheden met volledige bediening· 3 yrs active
Leuvensesteenweg 309 ·1030 Schaarbeek, Belgium
KBO/BCE: BE 0800.379.761
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Age3 yrs
Staff (FTE)9.5
Real estate1 parcel · 262 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JERARMI is 12.3% (high). The 2024 annual accounts show negative equity (€-20k) and a net result of €-63k. Its solvency ranks better than 26% of 5615 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
12.3% High
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 25-08-2025 25 d late 2025-00466891

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-63k
Working capital€-95k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -9.3% 19.3%
better than 26% of 5615 sector peers
Net result €-63k €4k
better than 5% of 5603 sector peers
Equity €-20k €14k
better than 16% of 5626 sector peers
Gross operating margin €224k €52k
better than 88% of 5589 sector peers
Staff costs €230k €49k
higher than 91% of 4064 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-12k
Net profit€-63k
Cash flow€-28k
Staff costs€230k
Income taxes-
Dividends-
Total assets€219k
Equity€-20k
Debt€239k
of which ≤ 1y€130k
of which > 1y€106k
Working capital€-95k
Employees (FTE)9.5
Ratios (computed)
2024
Current ratio0.27
Quick ratio0.21
Working capital ratio-43.2%
Solvency-9.3%
Debt / equity-11.81
Long-term debt ratio-5.22
Interest coverage-0.60
Gross margin-
Net margin-
ROA-28.6%
ROE309.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€219k
Fixed assets 21/28€179k
Formation expenses 20€4k
Tangible fixed assets 22/27€179k
Current assets 29/58€35k
Stocks & contracts in progress 3€9k
Amounts receivable within one year 40/41€760
Cash & bank 54/58€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€219k
Equity 10/15€-20k
Contributions / capital 10/11€15k
Accumulated profits (losses) 14€-63k
Amounts payable 17/49€239k
Amounts payable after one year 17€106k
Amounts payable within one year 42/48€130k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€224k
Operating result 9901€-46k
Financial income 75€3k
Financial charges 65€20k
Result before taxes 9903€-63k
Net result for the period 9904€-63k
Result to be appropriated 9905€-63k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Leuvensesteenweg 3091030 Schaarbeek

Establishment units

1 location
JERARMI
Leuvensesteenweg 309, 1030 SchaarbeekEetgelegenheden met volledige bediening
since 20232.344.410.123
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area262 m²
Buildings1
Building footprint263 m²
Volume (LiDAR)1,607 m³
Tallest building14.0 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21906D0064/00Y003 Brussels 262 m² 1 · 263 m² 14.0 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health10Profitability100Solvency33Growth-Stability79
56 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 79

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,912 of the 20,287 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR JERARMI
Registered office
Leuvensesteenweg 309
1030 Schaarbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.