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Complete company report
Generated 15-08-2026
Active BE 0664.856.509Private limited company

JM & F

· 9 yrs active
Conclusion Checked

The KBO register records legal situation 013 for JM & F (Register: dissolution or liquidation); this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €39k and a net result of €-8k.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €39k
Net result €-8k
Active 9 yrs
Locations 1
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health10Profitability0Solvency100Growth78Stability32
44 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 10
Profitability 0
Solvency 100
Growth 78
Stability 32
Bankruptcy probability (12 mo) Checked model v1 · free

Dissolution or liquidation

The KBO register records that this company is being wound up. A twelve-month bankruptcy probability no longer says anything in that case, so we show no figure.

Risk Assessment rule-based
3 / 100
High riskRegister: dissolution or liquidation
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 013 for this company; it does not feed the figure above.
Components
· 1 administrative flag (+3)
Trust signals 1 signals
Register: dissolution or liquidation
The KBO register records legal situation 013 for this company. This is today's state according to the register itself; the register carries no start date.
Administrative Flags1 events
Address struck
Health barometer FY 2022 · computed
10 / 100 Critical
050100
Computed from 5 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 2022 and the legal situation the KBO register itself records. Indicative, not credit advice.
Financial overview6 NBB filings
Annual accounts filed on 29-08-2023 with the NBB · fiscal year 2022 · micro
€-20k€0€20k€40kOperating result 2018: €14k€14kNet result 2018: €-20k€-20kOperating result 2019: €18k€18kNet result 2019: €-2k€-2kOperating result 2020: €43k€43kNet result 2020: €30k€30kOperating result 2021: €-2k€-2kNet result 2021: €-2k€-2kOperating result 2022: €-7k€-7kNet result 2022: €-8k€-8k20182019202020212022
Operating resultNet result
EBITDA
€3k
-56.4% 18-22
Net profit
€-8k
-324.7% 18-22
Cash flow
€3k
-59.8% 18-22
Total assets
€57k
-20.9% 18-22
Equity
€39k
-16.3% 18-22
Working capital
€28k
+8.7% 18-22
Income taxes
€5
-100.0% 18-22
Debt
€18k
-29.4% 18-22
Debt ≤ 1y
€18k
-29.4% 18-22
Current ratio
2.55
+27.1% 18-22
Quick ratio
2.20
+15.8% 18-22
Solvency
68.5%
+5.8% 18-22
Debt / equity
0.46
-15.7% 18-22
ROE
-19.4%
-407.2% 18-22
ROA
-13.3%
-436.8% 18-22
Interest coverage
10.50
-83.0% 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€3k
Net profit€-8k
Cash flow€3k
Staff costs-
Income taxes-
Dividends-
Total assets€57k
Equity€39k
Debt€18k
of which ≤ 1y€18k
of which > 1y-
Working capital€28k
Employees (FTE)-
Ratios (computed)
2022
Current ratio2.55
Quick ratio2.20
Working capital ratio48.8%
Solvency68.5%
Debt / equity0.46
Long-term debt ratio-
Interest coverage10.50
Gross margin-
Net margin-
ROA-13.3%
ROE-19.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€57k
Fixed assets 21/28€11k
Tangible fixed assets 22/27€11k
Current assets 29/58€46k
Stocks & contracts in progress 3€6k
Amounts receivable within one year 40/41€26k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€57k
Equity 10/15€39k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€21k
Amounts payable 17/49€18k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€12k
Income statement
Gross operating margin 9900€4k
Operating result 9901€-7k
Financial charges 65€305
Result before taxes 9903€-8k
Net result for the period 9904€-8k
Result to be appropriated 9905€-8k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Florent Renard
    Director
    State Gazette act 24090300 (14-06-2024)
    Former
    - → 15-05-2024
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 -
Legal form Private limited company(610)
Incorporation21-10-2016
StatusActive
Postal code-
Establishment units 1 location
JM & F
Groothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20162.299.161.009
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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
61061A0307/00C004 Wallonia 9,849 m² 1 · 178 m² 15.3 m
61322A0487/00Y002 Wallonia 394 m² 1 · 58 m² 9.1 m · 2 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 10 events

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

2025
29-09-2025
KBO administration Address struck
Rue de la Paix 3 4500 Die Sitzadresse Rue de la Paix 3 4500 Huy Huy · event 27-08-2025
2024
14-06-2024
State Gazette act Director changes
29-02-2024
State Gazette act Registered-office change
2023
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
29-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
30-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
30-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
Lifecycle & Insolvency Signals1 events
29-09-2025
KBO administration Address struck
Date: 27-08-2025 · Rue de la Paix 3 4500 Die Sitzadresse Rue de la Paix 3 4500 Huy Huy · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-09-29 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 2 acts
Address history · 1
29-02-2024
Registered-office move
All acts · 2 updated 2 years ago
2024
14-06-2024 Florent Renard resigns as director Director changes
  • Florent Renard, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Florent Renard",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-05-15",
      "evidence_quote": "D\u00E9mission de Monsieur Florent Renard de son poste d\u0027administrateur \u00E0 dater du 15 mai 2024.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": null,
      "person": {
        "rrn": null,
        "name": "Florent Renard",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "D\u00E9charge lui est donn\u00E9e pour le mandat accompli.",
      "decharge_status": "granted",
      "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": "Li\u00E8ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": null,
    "filing_date": "2024-06-05",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-03-31",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0664.856.509",
    "name_full": "JM \u0026 F",
    "legal_form": "SRL",
    "_kbo_filled_from_list": true
  },
  "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
}
29-02-2024 Registered office moved within HUY Registered-office change
  • 94 Rue du Mont Falise -4500 HUY → numéro 3 de la rue de la Paix (4500 HUY)
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "num\u00E9ro 3 de la rue de la Paix (4500 HUY)",
        "city": "HUY",
        "region": "waals_gewest",
        "street": "rue de la Paix",
        "country": "BE",
        "postcode": "4500",
        "box_number": null,
        "street_number": "3",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "94 Rue du Mont Falise -4500 HUY",
        "city": "HUY",
        "region": "waals_gewest",
        "street": "Rue du Mont Falise",
        "country": "BE",
        "postcode": "4500",
        "box_number": null,
        "street_number": "94",
        "locality_suffix": null
      },
      "effective_date": "2024-02-20",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2024-02-29",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2024-01-31",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0664.856.509",
    "name_full": "JM\u0026F",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Bijlag gen bij het Belgisch Staatsblad - 29/02/2024 - Annexes du Moniteur belge"
  ]
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR JM & F
Registration history
  1. 27-08-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative