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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of JM OCCAS is 3.2% (moderate). The 2024 annual accounts show equity of €1k and a net result of €-2k. Its solvency ranks better than 29% of 6698 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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.2%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00357326 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung 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 Flags
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-2k
Working capital€-6k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 1.8% | 20.4% | |
| Net result | €-2k | €4k | |
| Equity | €1k | €16k | |
| Gross operating margin | €11k | €24k | |
| Staff costs | €10k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-2k |
| Net profit | €-2k |
| Cash flow | €-2k |
| Staff costs | €10k |
| Income taxes | - |
| Dividends | - |
| Total assets | €58k |
| Equity | €1k |
| Debt | €57k |
| of which ≤ 1y | €57k |
| of which > 1y | - |
| Working capital | €-6k |
| Employees (FTE) | 0.3 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.90 |
| Quick ratio | 0.32 |
| Working capital ratio | -10.1% |
| Solvency | 1.8% |
| Debt / equity | 55.81 |
| Long-term debt ratio | - |
| Interest coverage | -1544.00 |
| Gross margin | - |
| Net margin | - |
| ROA | -3.4% |
| ROE | -195.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €58k |
| Fixed assets | 21/28 | €7k |
| Tangible fixed assets | 22/27 | €5k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €51k |
| Stocks & contracts in progress | 3 | €33k |
| Amounts receivable within one year | 40/41 | €15k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €58k |
| Equity | 10/15 | €1k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-2k |
| Amounts payable | 17/49 | €57k |
| Amounts payable within one year | 42/48 | €57k |
| Trade debts payable within one year | 44 | €15k |
| Income statement | ||
| Gross operating margin | 9900 | €11k |
| Operating result | 9901 | €-2k |
| Financial charges | 65 | €1 |
| Result before taxes | 9903 | €-2k |
| Net result for the period | 9904 | €-2k |
| Result to be appropriated | 9905 | €-2k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed5
/ 100
Critical
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.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
RASMONT JessyDirectorState Gazette act 24153270 (24-10-2024)Current01-10-2024 → present
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.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811) |
| Legal form | Private limited company(610) |
| Incorporation | 29-11-2023 |
| Status | Active |
| Postal code | 7860 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationJM OCCAS
since 20232.355.939.067
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area755 m²
Buildings1
Building footprint60 m²
Volume (LiDAR)552 m³
Tallest building11.1 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55023B1129/00B002 | Wallonia | 755 m² | 1 · 60 m² | 11.1 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 1 year ago
2024
24-10-2024 RASMONT Jessy appointed as director
- RASMONT Jessy, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes20
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
5
Profitability
0
Solvency
10
Growth
-
Stability
67
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Credit advice
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We hold annual accounts for 1,103 of the 10,652 companies in this sector. 272 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
| Legal nameFR | JM OCCAS |
Registered office
Chaussée Gabrielle Richet(L) 227 bus C
7860 Lessines, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.