JRD MANAGEMENT
ActiveSummary
The computed 12-month bankruptcy probability of JRD MANAGEMENT is 1.9% (moderate). The 2025 annual accounts show equity of €258,055 and a net result of -€209,151. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 10519 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-37
Solvency38▼-35
Growth62▲+11
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 3.45 against 4.42 in 2024; short-term debt: 5.5% and cash: 6.2% of total assets), but 87.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10519 sector peers (2025).
NBB · sector comparisonPosition among 10519 sector peers
Solvency
better than 23%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 company by total assets in Ham-sur-Heure-Nalinnes, Wholesale and retail trade sector
Turnover
€867,555▲ 67.8%
2024 · €516,987
EBIT margin
-21.4%▼ 58.4pp
2024 · 37.0%
Net result
-€209,151
2024 · €99,183
Working capital
€279,687▼ 43.8%
2024 · €497,473
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Line20212022202320242025
Turnover€524,823▲ 18.9%€420,409▼ 19.9%€516,987€867,555▲ 67.8%
Operating result€372,661▲ 135%€55,987▼ 85.0%€50,487▼ 9.8%€191,053▲ 278%-€185,976
Net result€303,094above the sector's middle half▲ 150%€46,102above the sector's middle half▼ 84.8%€38,609above the sector's middle half▼ 16.3%€99,183above the sector's middle half▲ 157%-€209,151below the sector's middle half
EBIT margin71.0%▲ 35.1pp13.3%▼ 57.7pp37.0%-21.4%▼ 58.4pp
Equity€328,312above the sector's middle half▲ 336%€329,414above the sector's middle half▲ 0.3%€368,023above the sector's middle half▲ 11.7%€467,205above the sector's middle half▲ 27.0%€258,055within the sector's middle half▼ 44.8%
Total assets€694,865above the sector's middle half▲ 224%€913,111above the sector's middle half▲ 31.4%€835,999above the sector's middle half▼ 8.4%€969,045above the sector's middle half▲ 15.9%€2.1mabove the sector's middle half▲ 113%
Debt€366,553▲ 163%€583,697▲ 59.2%€467,976▼ 19.8%€501,840▲ 7.2%€1.8m▲ 259%
Working capital€116,555above the sector's middle half▲ 203%€329,092above the sector's middle half▲ 182%€373,093above the sector's middle half▲ 13.4%€497,473above the sector's middle half▲ 33.3%€279,687within the sector's middle half▼ 43.8%
Solvency47.2%within the sector's middle half▲ 12.2pp36.1%within the sector's middle half▼ 11.2pp44.0%within the sector's middle half▲ 7.9pp48.2%within the sector's middle half▲ 4.2pp12.5%below the sector's middle half▼ 35.7pp
Current ratio1.43within the sector's middle half▲ 0.152.09within the sector's middle half▲ 0.672.70within the sector's middle half▲ 0.614.42above the sector's middle half▲ 1.723.45above the sector's middle half▼ 0.96
Return on assets (ROA)43.6%above the sector's middle half▼ 12.9pp5.0%within the sector's middle half▼ 38.6pp4.6%within the sector's middle half▼ 0.4pp10.2%within the sector's middle half▲ 5.6pp-10.1%below the sector's middle half▼ 20.4pp
Staff (FTE)11=1=1below the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Turnover +68% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €185,976 after €191,053 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.1m
Fixed assets
€1.7m ▲ 412%
Current assets
€393,764 ▼ 38.8%
Equity and liabilities €2.1m
Equity
€258,055 ▼ 44.8%
Debt
€1.8m ▲ 259%
Debt's share of the balance-sheet total rises from 51.8% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€83,749▼
2024 · €262,863
Cash flow
€60,575▼
2024 · €170,992
Debt to equity
6.99▲
2024 · 1.07
ROE
-81.0%▼
2024 · 21.2%
Interest coverage
5.00▼
2024 · 28.82
Debt ≤ 1 year
€114,077▼
2024 · €145,624
Debt > 1 year
€1.7m▲
2024 · €356,215
Income taxes
€6,425▼
2024 · €82,749
Staff costs
€86,313▼
2024 · €90,804
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,133 companies that looked in July 2024 the way this one looks now, 6.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
6.4%
went bankrupt
6.6%
stopped otherwise
86%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 1,133 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €524,823 | €420,409 | - | €516,987 | €867,555 | ▲ 67.8% |
| Non-recurring operating income76A | - | - | - | €50,681 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €148,277 | €223,733 | - | €203,804 | €192,462 | ▼ 5.6% |
| Remuneration, social security and pensions62 | - | €69,316 | €99,771 | €90,804 | €86,313 | ▼ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,497 | €63,031 | €42,541 | €71,810 | €269,726 | ▲ 276% |
| Other operating charges640/8 | €4,249 | €15,983 | €11,329 | €36,581 | €10,641 | ▼ 70.9% |
| Gross operating margin9900 | €394,406 | €204,316 | €204,128 | €390,248 | €180,704 | ▼ 53.7% |
| Operating profit (loss)9901 | €372,661 | €55,987 | €50,487 | €191,053 | -€185,976 | ▼ 197% |
| Financial charges65/66B | €304 | €1,685 | €3,449 | €9,122 | €16,749 | ▲ 83.6% |
| Recurring financial charges65 | €304 | €1,685 | €3,449 | €9,122 | €16,749 | ▲ 83.6% |
| Profit (loss) for the period before taxes9903 | €372,357 | €54,302 | €47,038 | €181,931 | -€202,726 | ▼ 211% |
| Income taxes67/77 | €69,263 | €8,200 | €8,430 | €82,749 | €6,425 | ▼ 92.2% |
| Profit (loss) for the period9904 | €303,094 | €46,102 | €38,609 | €99,183 | -€209,151 | ▼ 311% |
| Profit (loss) for the period to be appropriated9905 | €303,094 | €46,102 | €38,609 | €99,183 | -€209,151 | ▼ 311% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €694,865 | €913,111 | €835,999 | €969,045 | €2.1m | ▲ 113% |
| Fixed assets21/28 | €305,017 | €282,990 | €243,449 | €325,948 | €1.7m | ▲ 412% |
| Tangible fixed assets22/27 | €304,967 | €282,340 | €242,799 | €325,298 | €1.7m | ▲ 412% |
| Land and buildings22 | €274,287 | €156,789 | €147,677 | €135,566 | €1.5m | ▲ 1,014% |
| Plant, machinery and equipment23 | - | €10,563 | €9,399 | €7,734 | €28,413 | ▲ 267% |
| Furniture and vehicles24 | €30,681 | €114,989 | €85,722 | €181,998 | €128,749 | ▼ 29.3% |
| Financial fixed assets28 | €50 | €650 | €650 | €650 | €650 | = |
| Current assets29/58 | €389,848 | €630,122 | €592,550 | €643,097 | €393,764 | ▼ 38.8% |
| Stocks and contracts in progress3 | - | €507,437 | €507,437 | €507,437 | - | - |
| Stocks30/36 | - | €507,437 | €507,437 | €507,437 | - | - |
| Amounts receivable within one year40/41 | €212,617 | €58,946 | €39,488 | €125,681 | €241,398 | ▲ 92.1% |
| Trade receivables40 | €161,735 | €33,779 | €23,062 | €14,634 | €16,198 | ▲ 10.7% |
| Other amounts receivable41 | €50,882 | €25,167 | €16,426 | €111,047 | €225,200 | ▲ 103% |
| Cash at bank and in hand54/58 | €177,230 | €63,739 | €45,625 | €9,979 | €126,975 | ▲ 1,172% |
| Deferred charges and accrued income490/1 | - | - | - | - | €25,390 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €694,865 | €913,111 | €835,999 | €969,045 | €2.1m | ▲ 113% |
| Equity10/15 | €328,312 | €329,414 | €368,023 | €467,205 | €258,055 | ▼ 44.8% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Capital10 | €4,000 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Issued capital100 | €4,000 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €70,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Distributable reserves133 | €70,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Profit (loss) carried forward14 | €254,312 | €255,414 | €294,023 | €393,205 | €184,055 | ▼ 53.2% |
| Amounts payable17/49 | €366,553 | €583,697 | €467,976 | €501,840 | €1.8m | ▲ 259% |
| Amounts payable after more than one year17 | €93,260 | €282,667 | €248,519 | €356,215 | €1.7m | ▲ 374% |
| Financial debts170/4 | €93,260 | €282,667 | €248,519 | €356,215 | €1.7m | ▲ 374% |
| Amounts payable within one year42/48 | €273,293 | €301,030 | €219,457 | €145,624 | €114,077 | ▼ 21.7% |
| Current portion of amounts payable after more than one year42 | - | €33,828 | €34,148 | €34,486 | €34,820 | ▲ 1.0% |
| Trade debts44 | €151,135 | €44,154 | €1,967 | €13,965 | €33,852 | ▲ 142% |
| Suppliers440/4 | €151,135 | €44,154 | €1,967 | €13,965 | €33,852 | ▲ 142% |
| Taxes, remuneration and social security45 | €69,704 | €78,111 | €52,583 | €39,563 | €45,406 | ▲ 14.8% |
| Taxes450/3 | €67,072 | €75,272 | €27,649 | €20,112 | €16,405 | ▼ 18.4% |
| Remuneration and social security454/9 | €2,632 | €2,839 | €24,934 | €19,451 | €29,001 | ▲ 49.1% |
| Other amounts payable47/48 | €52,455 | €144,937 | €130,759 | €57,610 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €303,094 | €46,102 | €38,609 | €99,183 | -€209,151 | ▼ 311% |
| + Depreciation and write-downs630 | €17,497 | €63,031 | €42,541 | €71,810 | €269,726 | ▲ 276% |
| Operating cash flow (approximation) | €320,591 | €109,133 | €81,150 | €170,992 | €60,575 | ▼ 64.6% |
| Investment in fixed assets (approximation) | - | -€41,003 | -€3,000 | -€154,309 | -€1.6m | ▼ 944% |
| Change in cash | - | -€113,492 | -€18,114 | -€35,646 | €116,996 | ▲ 428% |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet -€209,151
Net result drops to -€209,151, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2020net €303,094 ▲150%
Operating result €372,661, net result €303,094, both a record.
31-12
Financial
Equity above €200,000Eq €328,312 ▲336%
2 profitable years in a row build equity to €328,312.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2019
Ground area
1,963 m²
Building footprint
180 m²
Volume, LiDAR
817 m³
Parcel 56034B0286/00M005, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Allée de la Charmille(HSH) 15, 6120 Ham-sur-Heure-Nalinnes
since 20192.293.049.415
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034B0286/00M005 | Wallonia | 1,963 m² | 1 · 180 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,823 companies in sector 47210 we hold annual accounts for 965. 676 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
Founded22-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
jrdmanagement@outlook.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0732796396
Also
9925:BE0732796396
Registered
18-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.