Equity
-€40,530
Debts exceed assets in financial year 2025.
JLF
Overview
Lifetime
5 annual accounts with figures on one time axispeak €42,417 (2021)
€0
lowest -€99,416 (2024)
-€217▲ €99,199
peak €59,388 (2022)
-€40,530▼ €217
€40,684▼ 1.6%
Board1 name since 2020
1 directorDELOBBE Fabrice Eudore Marcel Ghislain
Documentsfilings and deeds
29-05-202629 days late
2025micro format
Loss of €217Cash from €5 to €154
Key points
from the 2025 annual accountsLosses
-€99,918 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
Filings
5 annual accounts 5 late
The 2022 accounts came latest: 121 days after the end of the period.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 22% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.8%
01-2025: 2.9%▲ +0.1 percentage points vs 12-2024
02-2025: 2.9%● unchanged vs 01-2025
03-2025: 3.1%▲ +0.2 percentage points vs 02-2025
04-2025: 3.1%● unchanged vs 03-2025
05-2025: 3.8%▲ +0.7 percentage points vs 04-2025
06-2025: 4.6%▲ +0.8 percentage points vs 05-2025
07-2025: 4.6%● unchanged vs 06-2025
08-2025: 4.6%● unchanged vs 07-2025
09-2025: 4.6%● unchanged vs 08-2025
10-2025: 4.6%● unchanged vs 09-2025
11-2025: 4.1%▼ -0.5 percentage points vs 10-2025
12-2025: 4.2%▲ +0.1 percentage points vs 11-2025
01-2026: 4.1%▼ -0.1 percentage points vs 12-2025
02-2026: 4.0%▼ -0.1 percentage points vs 01-2026
03-2026: 4.0%● unchanged vs 02-2026
04-2026: 4.1%▲ +0.1 percentage points vs 03-2026
05-2026: 5.1%▲ +1.0 percentage point vs 04-2026
06-2026: 5.5%▲ +0.4 percentage points vs 05-2026highest value
07-2026: 1.8%▼ -3.7 percentage points vs 06-2026
08-2026: 1.8%● unchanged vs 07-2026
09-2026: 1.8%● unchanged vs 08-2026
10-2026: 1.8%● unchanged vs 09-2026lowest value
11-2026: 1.8%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
No main activity registered
Negative equity -€40,530
lowers risk
Size: total assets €154
Liquidity: current ratio 0.00, cash €154
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 (no NACE code, micro). It does better than 5% of them on solvency, 35% on liquidity, 4% on profitability and 43% on growth.
The bankruptcy probability was computed on 07-11-2026 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 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 JLF 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 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JLF itself: 1.8% 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 JLF. 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
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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 risk
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 -€40,530
raises risk · 2025 accounts filed 29 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
29 days late
2024
28 days late
2023
30 days late
2022
121 days late
2021
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 5 accounts on average 48 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 30 May (4 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 end07-11-2026 today30-04-2027 deadline
Board and ownership
- DELOBBE Fabrice Eudore Marcel Ghislain founderdeed of 04-11-2020
Recent changes
First establishment
JLF srl, Rue du Colmy, Agimont 89, Hastière
Incorporation
Founder: DELOBBE Fabrice Eudore Marcel Ghislain (comparant) · Founding capital of €1,000, 1,000 shares · Appointment: DELOBBE Fabrice Eudore Marcel Ghislain (director) · published on 04-11-2020 · Gazette deed
Official details
Source: KBO- Status
- Active since 30-10-2020Normal situation
- Activity
- “La fabrication et le placement de meubles” (deed in French)From the articles, 16 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.309.827.3465544 Hastière, since 02-11-2020
- Financial year end
- 30 September
- Peppol
- Not found in the Peppol Directory
Annual accounts to 30-09-2025
- €0
- €217▼ 99.8%
- -€40,530▼ 0.5%
- €154▼ 84.8%
- Filing
- Filed on 29-05-2026
Insights on JLF
JLF files the micro format. That format states no turnover. The gross margin fell from €42,417 in 2021 to €0 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-05-2026, 29 days late€0
-€116
▼ €52
-€217
▲ €99,199
-€40,530
▼ €217
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €154 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
154 | 1,013 | 102,334 | 122,104 | 120,564 | |
21/28 |
- | 0 | 100,000 | 100,000 | 100,000 | |
28 |
- | 0 | 100,000 | 100,000 | 100,000 | |
29/58 |
154 | 1,013 | 2,334 | 22,104 | 20,564 | |
40/41 |
- | 260 | 260 | 22,040 | 15,470 | |
40 |
- | - | 0 | 22,040 | 15,470 | |
41 |
- | 260 | 260 | - | - | |
54/58 |
154 | 5 | 2,073 | 64 | 5,094 | |
490/1 |
0 | 748 | - | - | - | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
154 | 1,013 | 102,334 | 122,104 | 120,564 | |
10/15 |
-40,530 | -40,313 | 59,103 | 59,388 | 31,812 | |
10/11 |
1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
13 |
57,000 | 57,000 | 57,000 | 57,000 | 30,000 | |
133 |
57,000 | 57,000 | 57,000 | 57,000 | 30,000 | |
14 |
-98,530 | -98,313 | 1,103 | 1,388 | 812 | |
17/49 |
40,684 | 41,326 | 43,231 | 62,716 | 88,751 | |
42/48 |
40,684 | 41,326 | 43,231 | 61,316 | 82,051 | |
44 |
- | - | - | 3,369 | 3,209 | |
440/4 |
- | - | - | 3,369 | 3,209 | |
45 |
- | - | 10,269 | 19,089 | 15,863 | |
450/3 |
- | - | 10,269 | 19,089 | 15,863 | |
47/48 |
40,684 | 41,326 | 32,962 | 38,858 | 62,979 | |
492/3 |
- | - | 0 | 1,400 | 6,700 | |
| Income statement | ||||||
9900 |
0 | 0 | 0 | 38,005 | 42,417 | |
640/8 |
116 | 64 | 244 | 57 | 100 | |
9901 |
-116 | -64 | -244 | 37,948 | 42,317 | |
65/66B |
101 | 99,352 | 42 | 103 | 27 | |
65 |
101 | 100 | 42 | 103 | 27 | |
66B |
- | 99,252 | - | - | - | |
9903 |
-217 | -99,416 | -286 | 37,845 | 42,290 | |
67/77 |
- | - | 0 | 10,269 | 11,478 | |
9904 |
-217 | -99,416 | -286 | 27,576 | 30,812 | |
9905 |
-217 | -99,416 | -286 | 27,576 | 30,812 | |
| Appropriation of the result | ||||||
9906 |
-98,530 | -98,313 | 1,103 | 28,388 | 30,812 | |
14P |
-98,313 | 1,103 | 1,388 | 812 | - | |
691/2 |
- | - | 0 | 27,000 | 30,000 | |
6921 |
- | - | 0 | 27,000 | 30,000 | |
| Document | ||||||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 29-05-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 29 days after the deadline. Filed on 29 May 2026, deadline 30 April 2026 (7 months after the close on 30 September 2025, Companies Code art. 3:10). Source: NBB, 2026-00133204.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 29-05-2026 | 2026-00133204 | |
| 30-09-2024 | micro format | 28-05-2025 | 2025-00111014 | |
| 30-09-2023 | micro format | 30-05-2024 | 2024-00104530 | |
| 30-09-2022 | micro format | 29-08-2023 | 2023-00371211 | |
| 30-09-2021 | micro format | 30-05-2022 | 2022-20046658 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| - | - | - | - | 100,000 | ||
| 149 | -2,069 | 2,009 | -5,029 | - | ||
| -40,530 | -40,313 | -40,897 | -39,212 | -61,488 | ||
| - | - | 57.8% | 48.6% | 26.4% | ||
| - | - | 0.05 | 0.36 | 0.25 | ||
| - | - | 0.73 | 1.06 | 2.79 | ||
| - | - | -0.5% | 46.4% | 96.9% | ||
| - | - | -0.3% | 22.6% | 25.6% |
The ratios are withheld because a balance sheet total of €154 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Financial fixed assets | - | - | - | - | €100,000 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on JLF
The operating result for 2025 is a loss of €116, larger than the loss of €64 in 2024.
Equity is negative. Debt (€40,684) exceeds the balance-sheet total (€154).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 30-10-2020
listed in the 2025 annual accounts, filed on 29-05-2026
Mandates through the years
1 name, the dashed line is todayDELOBBE Fabrice Eudore Marcel Ghislain
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DELOBBE Fabrice Eudore Marcel Ghislain
- Director (not named in the articles), from 30-10-2020 to date
Control
Capital
- Contribution
- €1,000
- Source
- 2025 annual accounts
Articles of association
deed of 04-11-2020 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant, moitié acquéreurs proportionnellement nombre d'actions acquises, actions dont la cession est proposée”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of March at 18:00
Founder
At incorporation
deed of 04-11-2020 ↗
- DELOBBE Fabrice Eudore Marcel Ghislain sole founder · 100% at incorporation
Network & group
No group
JLF has no parent and no holdings in its annual accounts. DELOBBE Fabrice Eudore Marcel Ghislain is the only director.
Earlier ties
| Agence locale pour l'Emploi de Hastière via DELOBBE Fabrice, no longer at Agence locale pour l'Emploi de Hastière · Director · deed of 30-08-2021 |
founded in 1995 |
Connections & network
The network starts from the earlier ties.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
8 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 29 days late
2025
Annual accounts 2024 filed PDFmicro format · 28 days late
2024
Weakest financial year net -€99,416 The net result drops to -€99,416, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 30 days late
2023
Annual accounts 2022 filed PDFmicro format · 121 days late
2022
Annual accounts 2021 filed PDFmicro format · 30 days late
2020
First establishment JLF srl, Rue du Colmy, Agimont 89, Hastière
IncorporationFounder: DELOBBE Fabrice Eudore Marcel Ghislain (comparant) · Founding capital of €1,000, 1,000 shares · Appointment: DELOBBE Fabrice Eudore Marcel Ghislain (director) · published on 04-11-20207 points ▸
- Founder, DELOBBE Fabrice Eudore Marcel Ghislain (comparant)
- Founding capital, €1,000, 1,000 shares
- 1,000 shares
- Registered office clause, rue du Colmy 89 à 5544 Hastière (Agimont)
- Board rule, 1
- Director appointment, DELOBBE Fabrice Eudore Marcel Ghislain (director (not named in the articles))
- Power of attorney, Augustin de LOVINFOSSE
- The deed holds 8 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
JLF was incorporated on 30 October 2020 as a private limited company.1 Since 2020, DELOBBE Fabrice Eudore Marcel Ghislain has served as director.2 Total assets fell from €120,564 in 2021 to €1,013 in 2024.3
Company details
Identity
- Enterprise number
- 0757.683.232
- VAT number
- BE 0757.683.232
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 30-10-2020
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of March at 18:00deed of 04-11-2020 (in French)
- Peppol
- Not found in the Peppol Directory
- Name
- JLF in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-11-2020 (in French)
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La fabrication et le placement de meubles; La menuiserie intérieure et extérieure pour tous immeubles; L’entreprise de charpenterie; La…”deed of 04-11-2020 (in French)
16 activities
- La fabrication et le placement de meubles
- La menuiserie intérieure et extérieure pour tous immeubles
- L’entreprise de charpenterie
- La confection,la pose,la réparation et plus généralement toutes interventions et activités relatives aux travaux de toiture,de couverture et/ou d’isolation de bâtiments
- La fabrication d’immeubles en ossature bois
- La fabrication et la vente de tous produits en bois ou dérivés du bois
- La pose de parquet
- La menuiserie en PVC
- Le placement de serrureries et de quincailleries du bâtiment
- Le placement de plinthes ou de portes en matière plastique et métallique
- La pose de cloisons et faux plafonds en bois et en gyproc et éléments de plâtre
- La société aura également pour objet l’entreprise de plafonnage,de cimentage,démolition,platrerie,maçonnerie et rejointoiement ainsi que toute prestation de services d’entreprise de peinture du bâtiment
- Travaux de vitrerie notamment pose de glace,de miroiterie et de vitraux ainsi que la mise en œuvre de tous les matériaux translucides et transparents
- Le service,la recherche,l’avis,la consultance,l’assistance et le conseil dans les domaines précités
- L’étude,la réalisation et le suivi de projets
- La gestion administrative,commerciale,financière et d’entreprise,le secrétariat et le management au sens large de toute entreprise dans le domaine de la menuiserie
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| JLF srl registered office Rue du Colmy, Agimont 89, 5544 Hastière 25401 Forging of metal | 02-11-2020 | 2.309.827.346 |
Buildings and parcels at the address
- Ground area
- 2,497 m²
- Buildings
- 167 m²
- Volume, LiDAR
- 842 m³
- Tallest building
- 7.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 93001C0603/00C000 | 2,497 m² | 1 · 167 m² | 7.1 m · 2 |
Contact
E-mail
fabrice@menuiserie-delobbe.be
Phone
+32 477 20 95 15