Skip to content

JJM

Active
Private limited companyfounded 20187 yrs activeOveres 56, 3990 Peer, BelgiumKBO/BCE: BE 0715.615.025
Summary

JJM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102,984 and a net result of €9,262. Its solvency ranks better than 53% of 1913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Checked score

Score 2025
Axes
Profitability74
Solvency74
Growth-
Track record85
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.45; short-term debt: 26.7% and cash: 5.3% of total assets), and 51.4% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
about 50% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
48.6%
Return on assets
4.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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.
NBB · 1 filing
Deviation from the deadline
2025
4 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 9 December 2018, JJM was incorporated.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€102,984
Total assets
€211,805
Net result
€9,262
Working capital
€25,253

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €211,805
Fixed assets €129,943
Current assets €81,862
Equity and liabilities €211,805
Equity €102,984
Debt €108,821
Debt finances 51.4% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€54,381
Cash flow
€45,066
Current ratio
1.45
Debt to equity
1.06
ROE
9.0%
ROA
4.4%
Interest coverage
14.33
Debt ≤ 1 year
€56,608
Debt > 1 year
€51,583
Income taxes
€5,675
Staff costs
€35,393

Peer companies

Historical observation

Of the 5,047 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.0% went bankrupt
3.7% stopped otherwise
94% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 5,047 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 50 lines
Balance sheet Code2025
Assets
Total assets20/58€211,805
Fixed assets21/28€129,943
Tangible fixed assets22/27€129,793
Plant, machinery and equipment23€22,491
Furniture and vehicles24€56,145
Leasing and similar rights25€51,157
Financial fixed assets28€150
Current assets29/58€81,862
Amounts receivable within one year40/41€67,972
Trade receivables40€18,267
Other amounts receivable41€49,705
Cash at bank and in hand54/58€11,285
Deferred charges and accrued income490/1€2,604
Equity and liabilities
Total equity and liabilities10/49€211,805
Equity10/15€102,984
Contributions10/11€18,600
Reserves13€84,384
Distributable reserves133€84,384
Amounts payable17/49€108,821
Amounts payable after more than one year17€51,583
Financial debts170/4€51,583
Amounts payable within one year42/48€56,608
Current portion of amounts payable after more than one year42€23,710
Trade debts44€14,451
Suppliers440/4€14,451
Taxes, remuneration and social security45€14,120
Taxes450/3€6,769
Remuneration and social security454/9€7,350
Other amounts payable47/48€4,328
Accrued charges and deferred income492/3€630
Income statement Code2025
Non-recurring operating income76A€7,840
Remuneration, social security and pensions62€35,393
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35,804
Other operating charges640/8€3,634
Gross operating margin9900€93,409
Operating profit (loss)9901€18,577
Financial income75/76B€156
Recurring financial income75€156
Financial charges65/66B€3,796
Recurring financial charges65€3,796
Profit (loss) for the period before taxes9903€14,938
Income taxes67/77€5,675
Profit (loss) for the period9904€9,262
Profit (loss) for the period to be appropriated9905€9,262
Appropriation of the result
Profit (loss) to be appropriated9906€9,262
Transfer from equity791/2€75,955
Transfer to equity691/2€84,384
To other reserves6921€84,384
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Non-recurring operating income76A€7,840
Remuneration, social security and pensions62€35,393
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35,804
Other operating charges640/8€3,634
Gross operating margin9900€93,409
Operating profit (loss)9901€18,577
Financial income75/76B€156
Recurring financial income75€156
Financial charges65/66B€3,796
Recurring financial charges65€3,796
Profit (loss) for the period before taxes9903€14,938
Income taxes67/77€5,675
Profit (loss) for the period9904€9,262
Profit (loss) for the period to be appropriated9905€9,262
Line2025
Assets
Total assets20/58€211,805
Fixed assets21/28€129,943
Tangible fixed assets22/27€129,793
Plant, machinery and equipment23€22,491
Furniture and vehicles24€56,145
Leasing and similar rights25€51,157
Financial fixed assets28€150
Current assets29/58€81,862
Amounts receivable within one year40/41€67,972
Trade receivables40€18,267
Other amounts receivable41€49,705
Cash at bank and in hand54/58€11,285
Deferred charges and accrued income490/1€2,604
Equity and liabilities
Total equity and liabilities10/49€211,805
Equity10/15€102,984
Contributions10/11€18,600
Reserves13€84,384
Distributable reserves133€84,384
Amounts payable17/49€108,821
Amounts payable after more than one year17€51,583
Financial debts170/4€51,583
Amounts payable within one year42/48€56,608
Current portion of amounts payable after more than one year42€23,710
Trade debts44€14,451
Suppliers440/4€14,451
Taxes, remuneration and social security45€14,120
Taxes450/3€6,769
Remuneration and social security454/9€7,350
Other amounts payable47/48€4,328
Accrued charges and deferred income492/3€630
Line2025
Profit (loss) for the period9904€9,262
+ Depreciation and write-downs630€35,804
Operating cash flow (approximation)€45,066

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
04-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
NBB filing
0 of 2 acts read
About the unread acts

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Peer · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
887 m²
Building footprint
141 m²
Volume, LiDAR
690 m³
Parcel 72030D0748/00Y010, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
JJM
Overes 56, 3990 PeerRetail sale of hardware, building materials, paint and glass (general range)
since 20182.283.151.554
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72030D0748/00Y010 Flanders 887 m² 1 · 141 m² 7.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 3,984 companies in sector 25110 we hold annual accounts for 2,145. 1,633 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded09-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
49410Freight transport by road
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0715615025
Registered 18-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.