Equity
-€16,990
Debts exceed assets in financial year 2025.
Jérôme
Lifetime
5 annual accounts with figures on one time axispeak €38,313 (2022)
-€14,342▼ €3,102
lowest -€20,675 (2025)
-€20,675▼ €843
peak €26,762 (2022)
-€16,990▼ €20,675
€57,448▲ 40.0%
peak 0.8 FTE (2021)
-not published
Board2 names since 2020
1 directorHENNO Julie
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from -€11,239 to -€14,342Loss of €20,675Equity from €3,685 to -€16,990Debts from €41,046 to €57,448Cash from €2,921 to €5
Key points
from the 2025 annual accountsLosses
-€43,753 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€57,448 142% of the balance sheet
Financial debts 19%Suppliers 20%Taxes and wages 0%Other 60%
Of this, €44,962 falls due within a year.
Liquidity
0.49 was 0.93 in 2024
Short-term debts rose from €25,936 to €44,962.
Board
1 joined
New director. Latest change 02-01-2026 · 2 in office.
Position in the sector
-€20,675
Lower net result than 89% of companies in retail trade. Sector median €5,048 · 22,907 companies.
Turnover not published (micro format)
Checked score
48
Fair
Financially stronger than 4% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.2%
01-2025: 4.1%▼ -0.1 percentage points vs 12-2024
02-2025: 4.9%▲ +0.8 percentage points vs 01-2025highest value
03-2025: 3.5%▼ -1.4 percentage points vs 02-2025
04-2025: 2.5%▼ -1.0 percentage point vs 03-2025
05-2025: 2.5%● unchanged vs 04-2025
06-2025: 2.3%▼ -0.2 percentage points vs 05-2025
07-2025: 2.3%● unchanged vs 06-2025
08-2025: 2.3%● unchanged vs 07-2025
09-2025: 2.2%▼ -0.1 percentage points vs 08-2025lowest value
10-2025: 2.3%▲ +0.1 percentage points vs 09-2025
11-2025: 2.4%▲ +0.1 percentage points vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.5%▲ +0.1 percentage points vs 12-2025
02-2026: 3.3%▲ +0.8 percentage points vs 01-2026
03-2026: 3.0%▼ -0.3 percentage points vs 02-2026
04-2026: 3.0%● unchanged vs 03-2026
05-2026: 3.0%● unchanged vs 04-2026
06-2026: 3.1%▲ +0.1 percentage points vs 05-2026
07-2026: 3.1%● unchanged vs 06-2026
08-2026: 3.1%● unchanged vs 07-2026
09-2026: 3.1%● unchanged vs 08-2026
10-2026: 3.0%▼ -0.1 percentage points vs 09-2026
11-2026: 2.9%▼ -0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €20,675, the second in a row (financial year 2025)
Liquidity: current ratio 0.49, cash €5, halved
Negative equity -€16,990
lowers risk
Size: total assets €40,457
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 47, micro). It does better than 6% of them on solvency, 1% on liquidity, 6% on profitability and 1% on growth.
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 30-06-2025.
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, 6,008 companies had the same profile as Jérôme 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.
That fits the bankruptcy probability of Jérôme itself: 2.9% 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 6,008 companies, not a prediction for Jérôme. 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 0.49 (0.93 in 2024), below 1. Short-term debt is 111.1% and cash 0% of total assets. Equity is negative.
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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
2122232425
2021 to 2025 · latest year -€16,990
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 day early
2024
4 days late
2023
68 days early
2022
48 days early
2021
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 32 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 14 December (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Appointment: De Wispelaere Charlie (director)
General meeting of 02-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0747931960
Registered office moved from Ternat to Kortenberg
New registered office: Erpsestraat 132, 3070 Kortenberg · Previous registered office: Statiestraat 22, 1740 Ternat · Board meeting of 13-03-2023 · Gazette deed
Incorporation
Founding capital of €25,000, 100 shares · Founder: HENNO Julie · Appointment: HENNO Julie (director) · published on 09-06-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Jérôme Kortenberg | €40,457 | -€14,342 | -42.0% | - |
| PLUS DE SPORT Antwerp | €41,577 | -€4,184 | 2.2% | - |
| RIDE THE WILD Waterloo | €41,107 | -€2,238 | -18.0% | - |
| Florence Cuylits Forest | €37,895 | -€3,631 | -108.1% | - |
| JOLIEN VDM Maarkedal | €47,869 | -€12,382 | -28.9% | - |
| MY BRIDAL ROOM Halle | €50,661 | -€5,597 | 21.3% | - |
| MIMATE Boortmeerbeek | €30,629 | -€131 | -353.4% | - |
These companies have the same main activity as Jérôme: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €30,600 and €50,700, founded between 2018 and 2021.
Official details
Source: KBO- Status
- Active since 05-06-2020Normal situation
- Activity
- Retail sale of women's outerwearNACE 47711and 2 others
- Establishment unit
- 2.305.103.2481740 Ternat, since 05-06-2020
- Financial year end
- 30 June
- Peppol
- Reachable since 21-11-2025
Annual accounts to 30-06-2025
- €40,457▼ 9.6%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on Jérôme
Jérôme files the micro format. That format states no turnover. The gross margin fell from €27,808 in 2021 to -€14,342 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 Jérôme
- What is the company number of Jérôme?
- The company number of Jérôme is 0747.931.960. The VAT number is the same number with BE in front: BE 0747.931.960.
- Where is Jérôme based?
- The registered office is at Erpsestraat 132, 3070 Kortenberg.Company details
- What does Jérôme do?
- According to the KBO register, the main activity is retail sale of women's outerwear (NACE 47711).
- What is the legal form of Jérôme?
- Jérôme is a private limited company (BV).
- When was Jérôme founded?
- Jérôme was founded on 05-06-2020.
- Is Jérôme still active?
- Yes, Jérôme is an active enterprise in the KBO register.
- How many employees does Jérôme have?
- Jérôme had an average of 0.8 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of Jérôme?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is Jérôme profitable?
- In financial year 2025, Jérôme made a loss of €20,675.
- Where can I find the annual accounts of Jérôme?
- Jérôme filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Jérôme due?
- Jérôme must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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