JNAM
Open bankruptcyA bankruptcy procedure is open for JNAM according to publications in the Belgian State Gazette; curator: GENEVIEVE DEDOBBELEER.
Summary
The 2024 annual accounts show equity of €16,892 and a net result of €16,636.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Walloon Brabant
- Declared bankrupt
- 26 March 2026
- Supervising judge
- Christian Rampelbergh
- Official Gazette
- 01-04-2026 (pdf) ↗search the document for 2026/114148
Deadlines
- Appeal or third-party opposition until
- passed on 16 April 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 25 April 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 7 May 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 26 March 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Genevieve DedobbeleerRue De Charleroi 2, 1400 Nivellesgd@exalaw.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
57 d late
2022
193 d late
2021
31 d late
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 62 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Are there other customers at risk in your own list?List enrichment How is the Wholesale trade sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€16,892▲ 6,510%
2023 · €256
Total assets
€255,532▲ 0.7%
2023 · €253,822
Net result
€16,636▲ 29.4%
2023 · €12,860
Working capital
-€5,662▲ 86.6%
2023 · -€42,110
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€26,368-€6,154▼ 76.7%-€40,805€14,798-€1,284
Net result€19,702within the sector's middle half-€4,992within the sector's middle half▼ 74.7%-€42,299below the sector's middle half€12,860within the sector's middle half€16,636within the sector's middle half▲ 29.4%
Equity€24,702within the sector's middle half-€29,694within the sector's middle half▲ 20.2%-€12,605below the sector's middle half€256below the sector's middle half€16,892within the sector's middle half▲ 6,510%
Total assets€86,224within the sector's middle half-€103,835within the sector's middle half▲ 20.4%€118,832within the sector's middle half▲ 14.4%€253,822within the sector's middle half▲ 114%€255,532within the sector's middle half▲ 0.7%
Debt€61,522-€74,141▲ 20.5%€131,437▲ 77.3%€253,566▲ 92.9%€238,640▼ 5.9%
Working capital€8,854within the sector's middle half-€3,047within the sector's middle half▼ 65.6%-€36,402below the sector's middle half-€42,110below the sector's middle half▼ 15.7%-€5,662within the sector's middle half▲ 86.6%
Solvency28.6%within the sector's middle half-28.6%within the sector's middle half▼ 0.1pp-10.6%below the sector's middle half▼ 39.2pp0.1%below the sector's middle half▲ 10.7pp6.6%within the sector's middle half▲ 6.5pp
Current ratio1.15within the sector's middle half-1.04within the sector's middle half▼ 0.110.71below the sector's middle half▼ 0.330.83below the sector's middle half▲ 0.120.97within the sector's middle half▲ 0.13
Return on assets (ROA)22.8%above the sector's middle half-4.8%within the sector's middle half▼ 18.0pp-35.6%below the sector's middle half▼ 40.4pp5.1%within the sector's middle half▲ 40.7pp6.5%within the sector's middle half▲ 1.4pp
Staff (FTE)0.84.7▲ 488%4.1▼ 12.8%4.6▲ 12.2%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1,284 after €14,798 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €255,532
Fixed assets
€86,278 ▲ 104%
Current assets
€169,254 ▼ 20.0%
Equity and liabilities €255,532
Equity
€16,892 ▲ 6,510%
Debt
€238,640 ▼ 5.9%
Debt's share of the balance-sheet total falls from 99.9% to 93.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11,189▼
2023 · €28,337
Cash flow
€29,109▲
2023 · €26,400
Quick ratio
0.93▲
2023 · 0.81
Debt to equity
14.13
ROE
98.5%
Interest coverage
4.88▼
2023 · 14.63
Debt ≤ 1 year
€174,916▼
2023 · €253,566
Debt > 1 year
€39,198
Staff costs
€166,234▲
2023 · €133,463
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €17,490 | €134,490 | €133,463 | €166,234 | ▲ 24.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,896 | €4,988 | €10,273 | €13,540 | €12,473 | ▼ 7.9% |
| Other operating charges640/8 | - | €802 | €775 | €2,130 | €6,914 | ▲ 225% |
| Gross operating margin9900 | €30,188 | €29,434 | €104,733 | €163,930 | €184,337 | ▲ 12.4% |
| Operating profit (loss)9901 | €26,368 | €6,154 | -€40,805 | €14,798 | -€1,284 | ▼ 109% |
| Financial income75/76B | - | - | - | - | €20,213 | - |
| Recurring financial income75 | €278 | - | - | - | €20,213 | - |
| Financial charges65/66B | - | €1,162 | €743 | €1,938 | €2,293 | ▲ 18.4% |
| Recurring financial charges65 | €1,187 | €1,162 | €743 | €1,938 | €2,293 | ▲ 18.4% |
| Profit (loss) for the period before taxes9903 | €23,802 | €4,992 | -€41,548 | €12,860 | €16,636 | ▲ 29.4% |
| Income taxes67/77 | €4,100 | - | €751 | - | - | - |
| Profit (loss) for the period9904 | €19,702 | €4,992 | -€42,299 | €12,860 | €16,636 | ▲ 29.4% |
| Profit (loss) for the period to be appropriated9905 | €19,702 | €4,992 | -€42,299 | €12,860 | €16,636 | ▲ 29.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €86,224 | €103,835 | €118,832 | €253,822 | €255,532 | ▲ 0.7% |
| Fixed assets21/28 | €20,015 | €30,814 | €27,964 | €42,366 | €86,278 | ▲ 104% |
| Tangible fixed assets22/27 | €20,015 | €30,814 | €27,664 | €42,066 | €86,278 | ▲ 105% |
| Plant, machinery and equipment23 | - | €6,999 | €6,118 | €26,511 | €18,962 | ▼ 28.5% |
| Furniture and vehicles24 | - | €9,844 | €6,923 | €2,908 | €1,651 | ▼ 43.2% |
| Other tangible fixed assets26 | - | €13,971 | €14,622 | €12,647 | €65,665 | ▲ 419% |
| Financial fixed assets28 | - | - | €300 | €300 | - | - |
| Current assets29/58 | €66,208 | €73,021 | €90,868 | €211,456 | €169,254 | ▼ 20.0% |
| Stocks and contracts in progress3 | - | €5,648 | €10,483 | €6,180 | €6,380 | ▲ 3.2% |
| Stocks30/36 | - | €5,648 | €10,483 | €6,180 | €6,380 | ▲ 3.2% |
| Amounts receivable within one year40/41 | €33,714 | €33,268 | €75,087 | €189,587 | €149,483 | ▼ 21.2% |
| Trade receivables40 | - | - | €1,487 | €78,537 | - | - |
| Other amounts receivable41 | - | €33,268 | €73,600 | €111,049 | €149,483 | ▲ 34.6% |
| Cash at bank and in hand54/58 | €32,088 | €32,523 | €4,902 | €15,690 | €13,390 | ▼ 14.7% |
| Deferred charges and accrued income490/1 | - | €1,582 | €396 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €86,224 | €103,835 | €118,832 | €253,822 | €255,532 | ▲ 0.7% |
| Equity10/15 | €24,702 | €29,694 | -€12,605 | €256 | €16,892 | ▲ 6,510% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €19,702 | €24,694 | -€17,605 | -€4,744 | €11,892 | ▲ 351% |
| Amounts payable17/49 | €61,522 | €74,141 | €131,437 | €253,566 | €238,640 | ▼ 5.9% |
| Amounts payable after more than one year17 | - | - | - | - | €39,198 | - |
| Financial debts170/4 | - | - | - | - | €39,198 | - |
| Amounts payable within one year42/48 | €57,355 | €69,974 | €127,270 | €253,566 | €174,916 | ▼ 31.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €8,963 | - |
| Trade debts44 | €53,043 | €55,600 | €34,061 | €196,066 | €107,216 | ▼ 45.3% |
| Suppliers440/4 | - | €55,600 | €34,061 | €196,066 | €107,216 | ▼ 45.3% |
| Advances received on contracts in progress46 | - | €681 | €9,062 | €26,531 | - | - |
| Taxes, remuneration and social security45 | - | €13,181 | €51,203 | €21,187 | €55,960 | ▲ 164% |
| Taxes450/3 | - | €13,181 | €16,784 | €4,923 | €32,232 | ▲ 555% |
| Remuneration and social security454/9 | - | - | €34,419 | €16,264 | €23,728 | ▲ 45.9% |
| Other amounts payable47/48 | - | €511 | €32,945 | €9,783 | €2,777 | ▼ 71.6% |
| Accrued charges and deferred income492/3 | - | €4,167 | €4,167 | - | €24,527 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,702 | €4,992 | -€42,299 | €12,860 | €16,636 | ▲ 29.4% |
| + Depreciation and write-downs630 | €2,896 | €4,988 | €10,273 | €13,540 | €12,473 | ▼ 7.9% |
| Operating cash flow (approximation) | €22,598 | €9,980 | -€32,026 | €26,400 | €29,109 | ▲ 10.3% |
| Investment in fixed assets (approximation) | - | -€15,786 | -€7,424 | -€27,941 | -€56,386 | ▼ 102% |
| Change in cash | - | €435 | -€27,621 | €10,788 | -€2,299 | ▼ 121% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
01-04
Bankruptcy
Opening
Tribunal de l’entreprise du Brabant wallon · event 26-03-2026
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 193 days late
2023
31-12
Financial
Back to profitnet €12,860
Net result €12,860 after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet -€42,299
Net result drops to -€42,299, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Braine-l'Alleud · 1 establishment unit since 2019
Ground area
8.1 ha
Building footprint
5,852 m²
Volume, LiDAR
57,463 m³
2 parcels, Wallonia · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
JNAM
since 20192.297.289.305
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25743G0205/00T000 | Wallonia | 7.9 ha | 1 · 5,444 m² | 18.9 m · 3 fl. |
| 92094C1485/00H000 | Wallonia | 1,764 m² | 1 · 408 m² | 17.5 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | GENEVIEVE DEDOBBELEER RUE DE CHARLEROI 2,
1400 NIVELLES |
26-03-2026 → present |
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Of 183 companies in sector 46411 we hold annual accounts for 112. 53 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
Founded20-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46411Wholesale trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46412Wholesale of household textiles and bedding
46419Wholesale trade
47721Retail sale of footwear
47722Retail trade
47770Retail sale of watches and jewellery
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.