Financials
- Financial year
- 2025
- Total assets
- €127,101
- Loss
- -€17,526
- Solvency
- -9.9%
JVM PLAFONNAGE
ActiveSummary
The computed 12-month bankruptcy probability of JVM PLAFONNAGE is 2.9% (moderate). The 2025 annual accounts show negative equity (-€12,526) and a net result of -€17,526. Its solvency ranks better than 8% of 34,356 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insulation installation
NACE 43230Other building finishing work NACE 43350
9th largest company by total assets in Comblain-au-Pont, Construction sector1 site
Size
€127,101total assets 2025
- Staff
- 0.9 FTE
- Equity
- -€12,526
- Loss
- -€17,526
Turnover not published (micro format)
Structure
Accounts filed 30 days late
Why 49raises riskFounded in 2024Sector: Specialised construction activities (NACE 43)Negative equity -€12,526lowers riskSize: total assets €127,101Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 14% of its sector peers (NACE 43, micro)
Financial strength
Weak
Solvency
15
equity -9.9% of total assets
Liquidity
35
short-term debt 46.4% · cash 6.3%
Profitability
15
return on assets -13.8%
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 1.9%lowest value
02-2026: 1.9%● unchanged vs 01-2026lowest value
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.4 percentage points vs 03-2026
05-2026: 2.4%▲ +0.1 percentage points vs 04-2026
06-2026: 2.7%▲ +0.3 percentage points vs 05-2026
07-2026: 2.7%● unchanged vs 06-2026
08-2026: 3.0%▲ +0.3 percentage points vs 07-2026
09-2026: 3.0%● unchanged vs 08-2026highest value
10-2026: 2.9%▼ -0.1 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.52, below 1; short-term debt: 46.4% and cash: 6.3% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 7% on solvency, 23% on liquidity and 13% on profitability.
The bankruptcy probability was computed on 17-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 1 filingDeviation from the deadline
2025
30 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: Julien VRANKEN (director) ·…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insulation installationNACE 43230
- Founded
- 31-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 26
See the provisions in the deeds
Go to Articles of associationGo further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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