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JPH Handelsonderneming

Active
Private limited companyfounded 2019active for 7 yearsKriekelsheuvelstraat 75, 3680 Maaseik, BelgiumKBO/BCE: BE 0736.565.441
Summary

The computed 12-month bankruptcy probability of JPH Handelsonderneming is 3.3% (moderate). The 2024 annual accounts show equity of €3,595 and a net result of €6,840. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 27% of 15,439 sector peers (NACE 46, financial year 2024). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 18-10-2019 Normal situation
Activity
Wholesale trade NACE 46110and 2 others
Establishment unit
2.294.722.664 3680 Maaseik, since 18-10-2019
Financial year end
31 December
Peppol
Reachable since 06-12-2025

Board and ownership

Board
  • Paumen JanDirector

Financial position

51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
3.3%
Annual accounts 2024
Gross margin
€13,706
Turnover
≈ €120,000
estimated
Profit
€6,840
Equity
€3,595
Total assets
€38,544
▲ 41.8%
  • 2025 accounts not filed, 95 days past the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 21-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 52 days late; 3 of the last 3 accounts lateFounded in 2019lowers riskLiquidity: current ratio 0.92, cash €31,408Show the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 64% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2023
Average
Solvency 34+21
equity 9.3% of total assets
Liquidity 50+32
short-term debt 90.7% · cash 81.5%
Profitability 91+91
return on assets 17.7%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 12-2024: 6.3% 01-2025: 8.8%▲ +2.5 percentage points vs 12-2024highest value 02-2025: 3.5%▼ -5.3 percentage points vs 01-2025 03-2025: 3.6%▲ +0.1 percentage points vs 02-2025 04-2025: 3.7%▲ +0.1 percentage points vs 03-2025 05-2025: 3.7%● unchanged vs 04-2025 06-2025: 3.5%▼ -0.2 percentage points vs 05-2025 07-2025: 3.5%● unchanged vs 06-2025 08-2025: 4.1%▲ +0.6 percentage points vs 07-2025 09-2025: 4.5%▲ +0.4 percentage points vs 08-2025 10-2025: 1.5%▼ -3.0 percentage points vs 09-2025 11-2025: 1.6%▲ +0.1 percentage points vs 10-2025 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.2%▼ -0.4 percentage points vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.3%▲ +0.1 percentage points vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.2%▼ -0.1 percentage points vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026lowest value 08-2026: 1.7%▲ +0.5 percentage points vs 07-2026 09-2026: 1.9%▲ +0.2 percentage points vs 08-2026 10-2026: 3.3%▲ +1.4 percentage points vs 09-2026 11-2026: 3.3%● unchanged vs 10-2026
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.92 (0.5 in 2023), below 1. Short-term debt is 90.7% and cash 81.5% of total assets. 90.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 23% of them on solvency, 51% on liquidity, 85% on profitability and 97% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 21-09-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 52 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 0.92, cash €31,408
NBB · annual accounts
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 95 days later.
NBB · 5 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline03-11-2026 today
raises risk · 2024 accounts filed 52 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-09-2025, 52 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
not filed
2024
52 days late
2023
158 days late
2022
44 days late
2021
69 days late
2020
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 83 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 9 events

Comparable companies

These companies have the same main activity as JPH Handelsonderneming: wholesale trade (NACE 46110). They are comparable in size and age: total assets between €32,600 and €106,000, founded between 2012 and 2022.

CompanyTotal assetsGross margin
JPH Handelsonderneming Maaseik€38,544€13,706
COPROSPECT Villers-le-Bouillet€32,586€13,260
Belgian Elite Koksijde€54,981€18,808
ADM Services & Consulting Mons€49,161€9,243
VRUCHTENDAL Tervuren€68,157€18,886
GUNTHER RONSIJN SYSTEMS Enghien€105,626€23,900
Coopérative Bio de Hesbaye Lincent€38,275€4,257
Full comparison

Key facts about JPH Handelsonderneming

What is the company number of JPH Handelsonderneming?
The company number of JPH Handelsonderneming is 0736.565.441. The VAT number is the same number with BE in front: BE 0736.565.441.
Where is JPH Handelsonderneming based?
The registered office is at Kriekelsheuvelstraat 75, 3680 Maaseik.Company details
What does JPH Handelsonderneming do?
According to the KBO register, the main activity is wholesale trade (NACE 46110).
What is the legal form of JPH Handelsonderneming?
The legal form of JPH Handelsonderneming is Private limited company (BV).
When was JPH Handelsonderneming founded?
JPH Handelsonderneming was founded on 18-10-2019.
Is JPH Handelsonderneming still active?
Yes, JPH Handelsonderneming is an active enterprise in the KBO register.
What is the turnover of JPH Handelsonderneming?
The turnover in financial year 2024 is ≈ €120,000. This figure is estimated from the gross margin of €13,706 and 75 comparable companies (NACE 461). It probably lies between €53,000 and €220,000. It is a rough estimate.Financials
Is JPH Handelsonderneming profitable?
In financial year 2024, JPH Handelsonderneming made a profit of €6,840.
Where can I find the annual accounts of JPH Handelsonderneming?
JPH Handelsonderneming filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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