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Generated 04-08-2026
Active BE 0791.703.805Private limited company

JMJ FRUIT

Z. 4 Broekooi 104 ·1730 Asse, Belgium· 3 yrs active
Sector: Wholesale trade (46319)
Conclusion Checked

The computed 12-month bankruptcy probability of JMJ FRUIT is 2.8% (moderate). The 2024 annual accounts show negative equity (€-187k) and a net result of €-205k. Its solvency ranks better than 10% of 961 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-187k
Net result €-205k
Staff (FTE) 4
Better than sector 10%
Snowflake analysis 5 axes · computed by Checked
Health22Profitability100Solvency39Growth32Stability94
57 / 100

Mixed profile: strong on profitability, weaker on health.

Health 22
Profitability 100
Solvency 39
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% 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?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
22 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · verkort
€-300k€-200k€-100k€0Operating result 2023: €13k€13kNet result 2023: €8k€8kOperating result 2024: €-204k€-204kNet result 2024: €-205k€-205k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency -28.7% 27.4%
better than 10% of 961 sector peers
Net result €-205k €24k
better than 7% of 961 sector peers
Equity €-187k €171k
better than 7% of 961 sector peers
Gross operating margin €10k €174k
better than 19% of 959 sector peers
Staff costs €214k €166k
higher than 57% of 593 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-205k
- far below sector median
Total assets
€652k
-35.9% -93% vs sector
Equity
€-187k
- far below sector median
Working capital
€-187k
- far below sector median
Employees (FTE)
4
-23.1% +13% vs sector
Staff costs
€214k
-36.6% +17% vs sector
Income taxes
€0
-100.0% -100% vs sector
Debt
€839k
-16.0% -76% vs sector
Debt ≤ 1y
€839k
-16.0% -53% vs sector
Current ratio
0.78
-23.7% -75% vs sector
Quick ratio
0.78
-23.7% -74% vs sector
Solvency
-28.7%
- far below sector median
Debt / equity
-4.48
- far below sector median
ROE
109.5%
+148.7% far above sector median
ROA
-31.5%
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-205k
Cash flow-
Staff costs€214k
Income taxes€0
Dividends-
Total assets€652k
Equity€-187k
Debt€839k
of which ≤ 1y€839k
of which > 1y-
Working capital€-187k
Employees (FTE)4.0
Ratios (computed)
2024
Current ratio0.78
Quick ratio0.78
Working capital ratio-28.7%
Solvency-28.7%
Debt / equity-4.48
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-31.5%
ROE109.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€652k
Current assets 29/58€652k
Amounts receivable within one year 40/41€648k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€652k
Equity 10/15€-187k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-197k
Amounts payable 17/49€839k
Amounts payable within one year 42/48€839k
Trade debts payable within one year 44€168k
Income statement
Gross operating margin 9900€10k
Operating result 9901€-204k
Financial charges 65€702
Result before taxes 9903€-205k
Income taxes 67/77€0
Net result for the period 9904€-205k
Result to be appropriated 9905€-205k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • VDZ INVESTLegal entity
    Director· perm. rep.: Michel Vander Zijpen
    State Gazette act 25089710 (15-07-2025)
    Current
    19-05-2025 → present
Former directors (1)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Wholesale trade(46319)
Legal form Private limited company(610)
Incorporation01-10-2022
StatusActive
Postal code1730
Connections & network 3 connected companies
Group structure
VDZ INVEST
Parent · 3 subsidiaries · 1 location
Control→
Network connections
CORNELIS - ADRIAENSSENS
Shared corporate director
→
La Ricetta
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
JMJ FRUIT
Z. 4 Broekooi 104, 1730 AsseGroothandel in groenten en fruit, muv consumptieaardappelen
since 20222.336.272.120
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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23041A0039/00T000 Flanders 2.4 ha 1 · 1.2 ha 42.9 m · 2 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.
Updates 6 events

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

2026
12-01-2026
State Gazette act Minor change
v3.2
2025
15-07-2025
State Gazette act Director changes
v3.2
04-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
26-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
20-07-2023
State Gazette act Minor change
v3.2
2022
05-10-2022
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 4 acts
All acts · 4 updated 6 months ago
2026
12-01-2026 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "fiscal_year_change",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0791.703.805",
    "name_full": "JMJ FRUIT",
    "legal_form": "BV"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2025
15-07-2025 1 director appointed, 1 resigning Director changes
  • Michel Vander Zijpen, Bestuurder
  • Michel Vander Zijpen, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Michel Vander Zijpen",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-19",
      "evidence_quote": "De vergadering neemt kennis van het ontslag met onmiddellijke ingang van de heer Michel Vander Zijpen met nationaal nummer 63.04.03-227.64 en wonende te 1730 Asse, Petrus Ascanusstraat 140, als bestuurder van de vennootschap."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Michel Vander Zijpen",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0473608240",
        "name": "NV VDZ INVEST",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-19",
      "evidence_quote": "De vergadering benoemt met onmiddellijke ingang, de NV VDZ INVEST met ondernemingsnummer 0473.608.240 en zetel te 1730 Asse, Z. 4 Broekooi 103, tot bestuurder van de vennootschap."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0791.703.805",
    "name_full": "JMJ FRUIT",
    "legal_form": "BV"
  }
}
2023
20-07-2023 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "fiscal_year_change",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0791.703.805",
    "name_full": "JMJ FRUIT",
    "legal_form": "BV"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2022
05-10-2022 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Z. 4 Broekooi 104, 1730 Asse",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1963-04-03",
        "name": "VANDER ZIJPEN Michel Francis",
        "niss": null,
        "address": "1730 Asse, Petrus Ascanusstraat 140"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 5200,
      "holder_person_name": "VANDER ZIJPEN Michel Francis",
      "is_subscriber_only": true,
      "n_shares_subscribed": 52,
      "amount_subscribed_eur": 5200,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1989-08-07",
        "name": "VANDER ZIJPEN Jimmy",
        "niss": null,
        "address": "1785 Merchtem, Biesboslaan 9 A"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 2400,
      "holder_person_name": "VANDER ZIJPEN Jimmy",
      "is_subscriber_only": true,
      "n_shares_subscribed": 24,
      "amount_subscribed_eur": 2400,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1992-01-06",
        "name": "VAN EESTER Jitse Marc Dani\u00EBlle",
        "niss": null,
        "address": "2000 Antwerpen, Gentplaats 3 bus 2"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 2400,
      "holder_person_name": "VAN EESTER Jitse Marc Dani\u00EBlle",
      "is_subscriber_only": true,
      "n_shares_subscribed": 24,
      "amount_subscribed_eur": 2400,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "De heer VANDER ZIJPEN Michel",
        "niss": null,
        "address": null
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": null,
      "amount_paid_in_eur": 0,
      "holder_person_name": "De heer VANDER ZIJPEN Michel",
      "is_subscriber_only": true,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 10000,
  "subject_company": {
    "kbo": "0791.703.805",
    "name_full": "JMJ FRUIT",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2022-09-28",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Verwerking en conservering van fruit, exclusief productie van diepgevroren fruit10392Verwerking en conservering van fruit, exclusief productie van diepgevroren fruit10392Groothandel in groenten en fruit, m.u.v. consumptieaardappelen46319Groothandel in groenten en fruit, muv consumptieaardappelen46319
Primary activity highlighted.
Names & trade names
Legal nameNL JMJ FRUIT
Registered office
Z. 4 Broekooi 104
1730 Asse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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DANIEL DENDAUW - STRAGIER BE 0446.585.327 · Tielt
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative