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Generated 16-08-2026
Active BE 1002.365.534Private limited company

JG RETAIL

Kemphaanlaan 20 ·2960 Brecht, Belgium· 2 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of JG RETAIL is 1.9% (moderate). The 2024 annual accounts show equity of €88k and a net result of €68k. Its solvency ranks better than 25% of 1230 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.
Key figures
Equity €88k
Net result €68k
Staff (FTE) 47.4
Better than sector 25%
Financial profile 4 of 5 axes measured · computed by Checked
Health58Profitability100Solvency14Growth-Stability67
60 / 100

Strong profile, led by profitability.

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

Health 58
Profitability 100
Solvency 14
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
1.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Health barometer FY 2024 · computed
58 / 100 Fair
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 18-07-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 3.4% 20.3%
better than 25% of 1230 sector peers
Net result €68k €25k
better than 68% of 1229 sector peers
Equity €88k €142k
better than 41% of 1230 sector peers
Gross operating margin €2.07M €215k
better than 95% of 1228 sector peers
Staff costs €1.94M €160k
higher than 95% of 937 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositverkort
Revenue-
EBITDA€127k
Net profit€68k
Cash flow€70k
Staff costs€1.94M
Income taxes€25k
Dividends-
Total assets€2.57M
Equity€88k
Debt€2.48M
of which ≤ 1y€2.44M
of which > 1y-
Working capital€115k
Employees (FTE)47.4
Ratios (computed)
2024
Current ratio1.05
Quick ratio0.80
Working capital ratio4.5%
Solvency3.4%
Debt / equity28.19
Long-term debt ratio-
Interest coverage2.67
Gross margin-
Net margin-
ROA2.6%
ROE77.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.57M
Fixed assets 21/28€7k
Formation expenses 20€0
Tangible fixed assets 22/27€7k
Current assets 29/58€2.56M
Stocks & contracts in progress 3€612k
Amounts receivable within one year 40/41€45k
Cash & bank 54/58€1.89M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.57M
Equity 10/15€88k
Contributions / capital 10/11€20k
Reserves 13€68k
Amounts payable 17/49€2.48M
Amounts payable within one year 42/48€2.44M
Trade debts payable within one year 44€1.62M
Income statement
Gross operating margin 9900€2.07M
Operating result 9901€125k
Financial income 75€16k
Financial charges 65€48k
Result before taxes 9903€93k
Income taxes 67/77€25k
Net result for the period 9904€68k
Result to be appropriated 9905€68k
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • Kemphaan Invest BVLegal entity
    Director· perm. rep.: Geert Hontis
    State Gazette act 24146258 (10-10-2024)
    Current
    10-10-2024 → present
  • Leo Invest CVLegal entity
    Director· perm. rep.: Jeroen Hermans
    State Gazette act 24146258 (10-10-2024)
    Current
    10-06-2024 → present
Former directors (1)
  • WARJAN GCVLegal entity
    Director
    State Gazette act 24146258 (10-10-2024)
    Former
    - → 10-06-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Private limited company(610)
Incorporation17-11-2023
StatusActive
Postal code2960
Establishment units 1 location
Delhaize Schoten
Theofiel Van Cauwenberghslei 90, 2900 SchotenSupermarkt(niet-gespecialiseerde kleinhandel in algemene voedingsmiddelen met verkoopsoppervlakte tussen 400m2 en 2500 m2)
since 20242.352.429.746
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11442C0139/00K008 Flanders 8,757 m² 1 · 3,081 m² 9.1 m · 2 fl.
11009M0018/00D002 Flanders 3,014 m² 1 · 157 m² 21.8 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
18-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
10-10-2024
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
10-10-2024 2 directors appointed, 1 resigning Director changes
  • Jeroen Hermans, Bestuurder
  • Geert Hontis, Bestuurder
  • WARJAN GCV, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "WARJAN GCV",
        "address": "Broekstraat 10 te 3545 Zelem",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-10",
      "evidence_quote": "De algemene vergadering van 10 juni 2024 beslist om WARJAN GCV Broekstraat 10 te 3545 Zelem te ontslaan als bestuurder en dit vanaf 10 juni 2024.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jeroen Hermans",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "Leo Invest CV",
        "address": "Broekstraat 10 te 3545 Zelem",
        "country": null,
        "legal_form": "CV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-10",
      "evidence_quote": "De algemene vergadering van 10 juni 2024 beslist om Leo Invest CV Broekstraat 10 te 3545 Zelem te benoemen als bestuurder met vaste vertegenwoordiger Jeroen Hermans en dit vanaf 10 juni 2024.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Geert Hontis",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "Kemphaan Invest BV",
        "address": null,
        "country": null,
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Kemphaan Invest BV vv Geert Hontis bestuurder",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-10",
    "filing_date": "2024-09-30",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-10",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1002.365.534",
    "name_full": "JG RETAIL",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
Legal nameNL JG RETAIL
Registered office
Kemphaanlaan 20
2960 Brecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative