JML CREATION & SAVEUR
ActiveThe computed 12-month bankruptcy probability of JML CREATION & SAVEUR is 3.5% (moderate). The 2025 annual accounts show equity of €18k and a net result of €13k. Its solvency ranks better than 49% of 13071 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency40
Growth-
Stability67
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.79), and 71.1% 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.
−lowers risk+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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.9%
Return on assets
20.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€18k
Total assets
€63k
Net result
€13k
Working capital
€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €63k
Fixed assets
€53k
Current assets
€9k
Equity and liabilities €63k
Equity
€18k
Debt
€45k
Debt finances 71.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€29k
Cash flow
€26k
Solvency
28.9%
Current ratio
0.79
Quick ratio
0.79
Debt / equity
2.46
ROE
72.3%
ROA
20.9%
Interest coverage
1207.51
Debt
€45k
Debt ≤ 1 year
€12k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€63k
Fixed assets21/28€53k
Intangible fixed assets21€52k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€2k
Current assets29/58€9k
Amounts receivable within one year40/41€9k
Trade receivables40€5k
Other amounts receivable41€5k
Cash at bank and in hand54/58€100
Equity and liabilities
Total equity and liabilities10/49€63k
Equity10/15€18k
Contributions10/11€5k
Reserves13€10k
Distributable reserves133€10k
Profit (loss) carried forward14€3k
Amounts payable17/49€45k
Amounts payable within one year42/48€12k
Financial debts43€24
Credit institutions430/8€24
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€4k
Accrued charges and deferred income492/3€33k
Income statement
Code2025
Goods, raw materials, services and sundry goods60/61€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k
Other operating charges640/8€218
Gross operating margin9900€29k
Operating profit (loss)9901€16k
Financial charges65/66B€24
Recurring financial charges65€24
Profit (loss) for the period before taxes9903€16k
Income taxes67/77€3k
Profit (loss) for the period9904€13k
Profit (loss) for the period to be appropriated9905€13k
Appropriation of the result
Profit (loss) to be appropriated9906€13k
Transfer to equity691/2€10k
To the legal reserve6920€10k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Kraainem · 2 establishment units since 2025
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.1 ha
Building footprint
932 m²
Volume, LiDAR
34,674 m³
2 parcels, Flanders, Wallonia · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
2 establishment units
JML CREATION & SAVEUR
since 20252.375.711.033
JML CREATION & SAVEUR
since 20252.375.711.132
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 62009A1118/00E000 | Wallonia | 166 m² | 1 · 67 m² | 12.0 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAywaille2.375.711.132
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BE 0679.871.614
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EMPORIUM G.P.
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GLOBAL SERVICE
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 8,463 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2025
Fiscal year end31-12
Activities, NACEBEL
56111Full-service restaurants
46431Wholesale of electrical household appliances and audio-video equipment
46441Wholesale trade
68203Renting and operating of own or leased non-residential real estate, excluding land
77223Rental and leasing activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.