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JMZ Estates

Active
Private limited companyfounded 20241 yr activeHoveniersstraat 30, 2018 Antwerpen, BelgiumKBO/BCE: BE 1014.987.313
Summary

The computed 12-month bankruptcy probability of JMZ Estates is 3.5% (moderate). The annual accounts of JMZ Estates for fiscal year 2025 show a net loss of 53% of total assets. The 2025 annual accounts show equity of €2,682 and a net result of -€2,318. Its solvency ranks better than 77% of 13683 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency87
Growth-
Track record67
Bankruptcy probability, 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 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 24-09-2026, 55 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 filing
Deviation from the deadline
2025
55 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

JMZ Estates was incorporated on 11 October 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€2,682
Total assets
€4,338
Net result
-€2,318
Working capital
€2,682

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €4,338
Equity €2,682
Debt €1,656
Debt finances 38.2% of the balance-sheet total.
Key figures and ratios
2025 value
Debt ≤ 1 year
€1,656
Ratios withheld: a balance sheet total of €4,338 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 584 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
1.4% went bankrupt
6.0% stopped otherwise
93% still going

For this company itself Checked computes a higher bankruptcy probability: 3.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 584 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 24 lines
Balance sheet Code2025
Assets
Total assets20/58€4,338
Current assets29/58€4,338
Amounts receivable within one year40/41€3,489
Other amounts receivable41€3,489
Cash at bank and in hand54/58€848
Equity and liabilities
Total equity and liabilities10/49€4,338
Equity10/15€2,682
Contributions10/11€5,000
Profit (loss) carried forward14-€2,318
Amounts payable17/49€1,656
Amounts payable within one year42/48€1,656
Trade debts44€1,656
Suppliers440/4€1,656
Income statement Code2025
Other operating charges640/8€1,138
Gross operating margin9900-€1,237
Operating profit (loss)9901-€2,375
Financial income75/76B€215
Recurring financial income75€215
Financial charges65/66B€157
Recurring financial charges65€157
Profit (loss) for the period before taxes9903-€2,318
Profit (loss) for the period9904-€2,318
Profit (loss) for the period to be appropriated9905-€2,318
Appropriation of the result
Profit (loss) to be appropriated9906-€2,318

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€1,138
Gross operating margin9900-€1,237
Operating profit (loss)9901-€2,375
Financial income75/76B€215
Recurring financial income75€215
Financial charges65/66B€157
Recurring financial charges65€157
Profit (loss) for the period before taxes9903-€2,318
Profit (loss) for the period9904-€2,318
Profit (loss) for the period to be appropriated9905-€2,318
Line2025
Assets
Total assets20/58€4,338
Current assets29/58€4,338
Amounts receivable within one year40/41€3,489
Other amounts receivable41€3,489
Cash at bank and in hand54/58€848
Equity and liabilities
Total equity and liabilities10/49€4,338
Equity10/15€2,682
Contributions10/11€5,000
Profit (loss) carried forward14-€2,318
Amounts payable17/49€1,656
Amounts payable within one year42/48€1,656
Trade debts44€1,656
Suppliers440/4€1,656
Line2025
Profit (loss) for the period9904-€2,318
Operating cash flow (approximation)-€2,318

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 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, Antwerpen · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
3,508 m²
Building footprint
3,365 m²
Volume, LiDAR
81,704 m³
2 parcels, Flanders · tallest building 46.0 m, ±8 floors. Linked by address, not a title deed.
258 companies at this address See who is registered here
1 establishment unit
JMZ Estates
Frankrijklei 122, 2000 AntwerpenReal estate activities
since 20242.366.300.845
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11808H1178/00S008 Flanders 3,046 m² 1 · 2,904 m² 46.0 m · 8 fl.
11803C0380/00P003 Flanders 461 m² 1 · 461 m² 29.0 m · 5 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 14,001 companies in sector 56301 we hold annual accounts for 4,899. 2,073 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded11-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
68110Buying and selling of own real estate
47110Non-specialised retail sale with food, beverages or tobacco predominating
47279Other retail sale of food
68201Renting and operating of own or leased residential real estate, excluding social housing
82300Organisation of conventions and trade shows
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014987313
Registered 07-02-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.