Equity
€46,636 from €125,644 in 2007
Equity fell by 63% in 18 years.
JESSEM
Lifetime
19 annual accounts with figures on one time axis, 37 filings since 1989Gross marginpeak €143,141 (2020)
-€3,741▲ €6,932
Resultlowest -€42,424 (2010)
-€4,481▲ €7,077
Equitypeak €125,644 (2007)
€46,636▼ 8.8%
Debts
€25,400▲ 24.6%
Board1 name since 2021
1 directorGERAERTS Roeland Paulus Elisa
Documentsfilings and deeds
29-04-20261 days before the deadline
2025micro format
Gross margin from -€10,673 to -€3,741Loss of €4,481Debts from €20,387 to €25,400
Key points
from the 2025 annual accountsLosses
-€61,297 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
Filings
37 annual accounts since 1989
The last five annual accounts were filed 0 to 29 days before the end of the period.
Turnover not published (micro format)
Checked score
91
Excellent
Financially stronger than 38% of micro companies in crop and animal production (NACE 01)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 5,695 companies (NACE 01, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%▼ -0.1 percentage points vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.2 percentage points vs 04-2026highest value
06-2026: 0.1%▼ -0.3 percentage points vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €4,481, the second in a row (financial year 2025)
lowers risk
Sector: Crop and animal production, hunting and related service activities (NACE 01)
Founded in 1988
Size: total assets €72,036
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 01, micro). It does better than 76% of them on solvency, 38% on liquidity, 16% on profitability and 23% on growth.
The bankruptcy probability was computed on 04-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 12,322 companies had the same profile as JESSEM has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JESSEM itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 12,322 companies, not a prediction for JESSEM. 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
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.18 (0.2 in 2024), below 1. Short-term debt is 35.3% and cash 6.5% of total assets. 35.3% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€4,481
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
29 days early
2023
on the day
2022
3 days early
2021
5 days early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 01), the median for financial year 2024 was 3 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 27 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end05-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0436090719
Change of role: GERAERTS Roeland Paulus Elisa, from manager to director
“Opsomming niet limitatief,meest uitgebreide zin,aanduidend niet beperkend;alle handelingen die bijdragen tot…” (deed in Dutch) · Gazette deed
Environmental permit refused
Ontbossen · Maasmechelen
First establishment
Oude Baan 684, Maasmechelen
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| JESSEM Maasmechelen | €72,036 | -€3,741 | 64.7% | - |
| CAROMAT Waimes | €32,721 | €735 | 90.9% | - |
| LE COQ DE LA POTERIE Lessines | €87,840 | €1,807 | 99.9% | - |
| Moonen Ravels | €168,990 | -€4,501 | 93.8% | - |
| SELECT Brunehaut | €95,412 | €2,437 | 98.8% | - |
| LA FERME DU MOULIN DE LEUZE Leuze-en-Hainaut | €88,146 | €7,872 | -127.3% | - |
| NIJS AGRO Westerlo | €192,079 | €9,885 | 68.5% | - |
These companies have the same main activity as JESSEM: crop and animal production, hunting and related service activities (NACE 01471). They are comparable in size and age: total assets between €32,700 and €192,000, founded between 1968 and 2001.
Official details
Source: KBO- Status
- Active since 05-12-1988Normal situation
- Activity
- Crop and animal production, hunting and related service activitiesNACE 01471and 1 other
- Establishment unit
- 2.041.458.7333630 Maasmechelen, since 30-12-1988
- Financial year end
- 30 September
- Peppol
- Reachable since 18-12-2024
Annual accounts to 30-09-2025
- Total assets
- €72,036▲ 0.7%
- Filing
- Filed on 29-04-2026, 1 day before the end of the filing period
Insights on JESSEM
JESSEM files the micro format. That format states no turnover. The gross margin fell from €24,541 in 2007 to -€3,741 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 JESSEM
- What is the company number of JESSEM?
- The company number of JESSEM is 0436.090.719. The VAT number is the same number with BE in front: BE 0436.090.719.
- Where is JESSEM based?
- The registered office is at Oude Baan 684, 3630 Maasmechelen.Company details
- What does JESSEM do?
- According to the KBO register, the main activity is crop and animal production, hunting and related service activities (NACE 01471).
- What is the legal form of JESSEM?
- JESSEM is a private limited company (BV).
- When was JESSEM founded?
- JESSEM was founded on 05-12-1988.
- Is JESSEM still active?
- Yes, JESSEM is an active enterprise in the KBO register.
- What is the turnover of JESSEM?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is JESSEM profitable?
- In financial year 2025, JESSEM made a loss of €4,481.
- Where can I find the annual accounts of JESSEM?
- JESSEM filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JESSEM due?
- JESSEM must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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