JFMO
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
JFMO has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€5,031) and a net result of -€3,176. Its solvency ranks better than 5% of 39,242 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Overview
Official details
KBO- Status
- Active since 18-07-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 6 others
- Establishment unit
- 2.348.574.787 8400 Oostende, since 18-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 28-03-2025
Board and ownership
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.5%
- Gross margin
- -€2,904
- ▲ 32.3%
- Loss
- €3,176
- ▼ 53.7%
- Equity
- -€5,031
- ▼ 171%
- Total assets
- €1,673
- ▼ 50.1%
Score breakdownraises riskCapped at 59: negative equityNegative equity -€5,031Loss of €3,176, the second in a row (financial year 2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €1,673Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro). It does better than 3% of them on solvency, 3% on liquidity, 4% on profitability and 2% on growth.
The bankruptcy probability was computed on 31-10-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 59 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 10-06-2026 PDF all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is a loss of €3,032, smaller than the loss of €6,709 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets and working capital.
Comparable companies
These companies have the same main activity as JFMO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1,430 and €1,940, founded between 2022 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| JFMO Oostende | 2023 | €1,673 | -€5,031 | -€2,904 | -€3,176 | 2025 |
| Sensazioni Heers | 2023 | €1,841 | -€146 | -€2,323 | -€3,146 | 2024 |
| DR-Successconsulting Turnhout | 2023 | €1,587 | -€2,477 | €560 | €150 | 2024 |
| BELOM Sint-Pieters-Woluwe | 2023 | €1,715 | -€474 | -€1,333 | -€1,874 | 2025 |
| Natlan Invest Huldenberg | 2023 | €1,942 | -€25,646 | -€12,363 | -€28,151 | 2024 |
| Dignitas Meise | 2023 | €1,433 | €940 | -€1,579 | -€1,781 | 2025 |
| ACACIA MANAGEMENT & CONSULTING Schilde | 2022 | €1,630 | -€1,217 | -€716 | -€1,144 | 2025 |
They were chosen from the 54,697 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 7,639 companies had the same profile as JFMO has now. Two years later, 8.8% had gone bankrupt and 84.9% were still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JFMO itself is lower: 0.5% within 12 months. It rests on far more data about JFMO than the profile alone.
Test of the method
The method was tested on the 497,445 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 7,639 companies, not a prediction for JFMO. 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,294 | €0 | ▼ 100% |
| Other operating charges640/8 | €126 | €128 | ▲ 1.6% |
| Gross operating margin9900 | -€4,289 | -€2,904 | ▲ 32.3% |
| Operating profit (loss)9901 | -€6,709 | -€3,032 | ▲ 54.8% |
| Financial charges65/66B | €146 | €144 | ▼ 1.4% |
| Recurring financial charges65 | €146 | €144 | ▼ 1.4% |
| Profit (loss) for the period before taxes9903 | -€6,855 | -€3,176 | ▲ 53.7% |
| Profit (loss) for the period9904 | -€6,855 | -€3,176 | ▲ 53.7% |
| Profit (loss) for the period to be appropriated9905 | -€6,855 | -€3,176 | ▲ 53.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €3,351 | €1,673 | ▼ 50.1% |
| Current assets29/58 | €3,351 | €1,673 | ▼ 50.1% |
| Amounts receivable within one year40/41 | €1,070 | €1,607 | ▲ 50.2% |
| Other amounts receivable41 | €1,070 | €1,607 | ▲ 50.2% |
| Cash at bank and in hand54/58 | €2,281 | €65 | ▼ 97.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €3,351 | €1,673 | ▼ 50.1% |
| Equity10/15 | -€1,855 | -€5,031 | ▼ 171% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€6,855 | -€10,031 | ▼ 46.3% |
| Amounts payable17/49 | €5,206 | €6,704 | ▲ 28.8% |
| Amounts payable within one year42/48 | €5,206 | €6,704 | ▲ 28.8% |
| Trade debts44 | - | €498 | - |
| Suppliers440/4 | - | €498 | - |
| Other amounts payable47/48 | €5,206 | €6,206 | ▲ 19.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€6,855 | -€3,176 | ▲ 53.7% |
| + Depreciation and write-downs630 | €2,294 | €0 | ▼ 100% |
| Operating cash flow (approximation) | -€4,561 | -€3,176 | ▲ 30.4% |
| Change in cash | - | -€2,216 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- MONSEREZ Jean-François Georges Germain 500 shares (100%) · €5,000
Capital transactions
- 20-07-2023 Incorporation · 500 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| MONSEREZ Jean-François Georges Germain |
|
| VERBAUWHEDE Lieve Greta Laurence Marcelline |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen,al dan niet aandeelhouder, één of meer bestuurders”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Beslissing van algemene vergadering beslissende in vormen vereist voor statutenwijziging, ontbinding en sluiting vereffening in één akte…”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Ontbinding om welke reden en op welk ogenblik ook, onverminderd recht van algemene vergadering om één of meerdere vereffenaars aan te…”
Articles of association, deed of 20-07-2023 (in Dutch)
Network & group
JFMO shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of JFMO. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
20-07
Gazette deed
IncorporationAppointments: MONSEREZ Jean-François Georges Germain (director) and VERBAUWHEDE Lieve Greta Laurence Marcelline (director) · Founder · Capital contribution10 points ▸
- Incorporation, 17-07-2023
- Founder, MONSEREZ Jean-François Georges Germain (shareholder)
- Capital contribution
- Founding capital
- Other provision, “bevestiging deponering overeenkomstig Wetboek van Vennootschappen en Verenigingen, ondergetekende notaris” (deed in Dutch)
- Board rule, 2
- Director appointment, MONSEREZ Jean-François Georges Germain (director (not named in the articles))
- Director appointment, VERBAUWHEDE Lieve Greta Laurence Marcelline (director (not named in the articles))
- Declaration, “verbodsbepaling mandaat, niet getroffen door enige verbodsbepaling voor uitoefening mandaat” (deed in Dutch)
- Registered office clause, “8400 Oostende,Vrijhavenstraat 40 bus 0102” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202523 activities
- Consulting
- Het verlenen van diensten aan bedrijven op vlak van administratie en management
- Het uitoefenen van het mandaat van zaakvoerder,bestuurder,directeur of vereffenaar van vennootschappen
- Het verstrekken van operationeel advies,alle managementopdrachten,dagelijkse leiding en consulting voor zover als wettelijk toegelaten of voor zover de vennootschap aan de wettelijke vereisten voldoet
- Patrimoniumbeheer
- Ontwikkeling van residentiële of niet-residentiële bouwprojecten
- Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed,exclusief sociale woningen
- Algemene bouw van residentiële gebouwen,kantoorgebouwen en niet residentiële gebouwen
- Handel in onroerend goed
- Het aanleggen,oordeelkundig uitbouwen en beheren van een onroerend vermogen: alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten (vruchtgebruik,recht van opstal,erfpacht,huurfinanciering van onroerende goederen aan derden)
- Het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen
- Het ontwerpen en opvolgen van projecten en het maken van studie met betrekking tot immobiliën
- De aan- en verkoop,huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen,alsmede zich borgstellen voor het goede verloop van verbintenissen,door derde personen aangegaan,die het genot zouden hebben van voormelde roerende en onroerende goederen
- Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie,de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren,onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen,inpandgeving handelszaak,dit alles in de meest ruimte zin,alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan kredietinstellingen
- Het verlenen van adviezen van financiële,technische,commerciële of administratieve aard; in de ruimste zin,met uitzondering van adviezen inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen,rechtstreeks of onrechtstreeks op het vlak van administratie en financiën,verkoop,productie en algemeen bestuur
- Het waarnemen van alle bestuursopdrachten en opdrachten van vereffenaars,het uitoefenen van opdrachten en functies
- Het ontwikkelen,kopen,verkopen,in licentie nemen of geven van octrooien,knowhow en aanverwante immateriële duurzame activa
- Het verlenen van administratieve prestaties en computer-services
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen,in ’t kort tussenpersoon in de handel
- Het onderzoek,de ontwikkeling,de vervaardiging of commercialisering van nieuwe producten,nieuwe vormen van technologie en hun toepassingen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen; de aan- en verkoop,huur en verhuur van roerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit doel in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0804.099.910
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 35013A1480/00D000 | Flanders | 1,697 m² | 1 · 1,475 m² | 39.1 m · 8 |