JMF
ActiveThe computed 12-month bankruptcy probability of JMF is 4.6% (elevated). The 2025 annual accounts show equity of €33k and a net result of €290. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 13159 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+59
Solvency40▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.12 against 0.83 in 2024; short-term debt: 50.3% and cash: 30.6% of total assets), and 85.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
8 d early
2022
21 d early
2021
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 0.9%
2024 · €33k
2021: €51k
2022: €69k
2023: €73k
2024: €33k
2021 → 2025
Total assets
€223k▲ 55.3%
2024 · €143k
2021: €177k
2022: €136k
2023: €161k
2024: €143k
2021 → 2025
Net result
€290
2024 · €-35k
2021: €17k
2022: €18k
2023: €5k
2024: €-35k
2021 → 2025
Working capital
€14k
2024 · €-15k
2021: €7k
2022: €17k
2023: €13k
2024: €-15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€69k▲ 33.2%€73k▲ 6.3%€33k▼ 54.8%€33k▲ 0.9%
Operating result€19k-€22k▲ 13.7%€9k▼ 58.7%€-29k€4k
Net result€17k-€18k▲ 3.6%€5k▼ 71.5%€-35k€290
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €29k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€97k▲ 32.8%
Current assets
€126k▲ 78.6%
Equity and liabilities €223k
Equity
€33k▲ 0.9%
Debt
€189k▲ 71.6%
The debt ratio rises from 77.0% to 85.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €-13k
Cash flow
€21k▲
2024 · €-19k
Solvency
14.9%▼
2024 · 23.0%
Current ratio
1.12▲
2024 · 0.83
Quick ratio
1.01▲
2024 · 0.72
Debt / equity
5.70▲
2024 · 3.35
ROE
0.9%▲
2024 · -105.3%
ROA
0.1%▲
2024 · -24.2%
Interest coverage
4.82▲
2024 · -2.47
Debt
€189k▲
2024 · €110k
Debt ≤ 1 year
€112k▲
2024 · €85k
Debt > 1 year
€75k▲
2024 · €25k
Staff costs
€205k▲
2024 · €201k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€143k€223k▲
Fixed assets21/28€73k€97k▲
Tangible fixed assets22/27€73k€96k▲
Plant, machinery and equipment23€28k€31k▲
Furniture and vehicles24€11k€9k▼
Other tangible fixed assets26€34k€56k▲
Financial fixed assets28-€390
Current assets29/58€70k€126k▲
Stocks and contracts in progress3€9k€12k▲
Stocks30/36€9k€12k▲
Amounts receivable within one year40/41€22k€37k▲
Trade receivables40€21k€9k▼
Other amounts receivable41€362€28k▲
Cash at bank and in hand54/58€32k€68k▲
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€143k€223k▲
Equity10/15€33k€33k▲
Contributions10/11€28k€28k=
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€110k€189k▲
Amounts payable after more than one year17€25k€75k▲
Financial debts170/4€25k€75k▲
Amounts payable within one year42/48€85k€112k▲
Current portion of amounts payable after more than one year42€4k€13k▲
Trade debts44€36k€37k▲
Suppliers440/4€36k€37k▲
Taxes, remuneration and social security45€43k€45k▲
Taxes450/3€18k€22k▲
Remuneration and social security454/9€25k€24k▼
Other amounts payable47/48€2k€16k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A-€472
Remuneration, social security and pensions62€201k€205k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€20k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€192k€235k▲
Operating profit (loss)9901€-29k€4k▲
Financial income75/76B€10€2k▲
Recurring financial income75€10€2k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€-35k€290▲
Profit (loss) for the period9904€-35k€290▲
Profit (loss) for the period to be appropriated9905€-35k€290▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€40k€5k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €290
Net result €290 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-35k ▼784%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2021net €18k ▲3.6%
Operating result €22k, net result €18k, both a record.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Gent · 2 establishment units since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Koophandelsplein 329000 GentGround area
285 m²
Building footprint
136 m²
Volume, LiDAR
1,527 m³
2 parcels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
JMF
since 20192.296.977.618
ARA
since 20252.371.335.541
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1051/00_000 | Flanders | 257 m² | 1 · 109 m² | 15.3 m · 4 fl. |
| 44803C0928/00_000 | Flanders | 27 m² | 1 · 27 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesGent2.296.977.618
Gent2.371.335.541
Similar companies · same sector, comparable size
Le Pot'Entiel
BE 0503.771.478
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BARBUX
BE 0800.977.795
Willebroek · Eq €33k
PIER & POL
BE 1011.381.584
Oostende · Eq €33k
ROSEUS PORCUS
BE 0654.834.924
Dendermonde · Eq €33k
YILDIZ A
BE 0537.776.809
Wemmel · Eq €33k
Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2019
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.