JWBM
ActiveSummary
JWBM has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36,821 and a net result of €2,994. Equity has been growing by about 48% per year since 2023. Its solvency ranks better than 49% of 39,275 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 02-06-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 2 others
- Establishment unit
- 2.345.716.158 8301 Knokke-Heist, since 02-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 06-03-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €8,270
- ▼ 81.9%
- Turnover
- ≈ €39,000
- estimated
- Profit
- €2,994
- ▼ 89.9%
- Equity
- €36,821
- ▲ 8.9%
- Total assets
- €67,205
- ▲ 8.0%
Score breakdownraises risk1 change of registered office in 24 monthslowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 2.11, cash €18,842Size: total assets €67,205Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro). It does better than 50% of them on solvency, 55% on liquidity, 39% on profitability and 56% on growth.
The bankruptcy probability was computed on 02-11-2026 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).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 7 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-07-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is 88% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | - | - | €3,302 |
| Depreciation and write-downs of the year | - | - | €218 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €218 | - |
| Other operating charges640/8 | €479 | €1,185 | €2,513 | ▲ 112% |
| Gross operating margin9900 | €1,954 | €45,792 | €8,270 | ▼ 81.9% |
| Operating profit (loss)9901 | €1,475 | €44,607 | €5,539 | ▼ 87.6% |
| Financial income75/76B | €2 | €1 | €323 | ▲ 299× |
| Recurring financial income75 | €2 | €1 | €323 | ▲ 299× |
| Financial charges65/66B | €28 | €89 | €440 | ▲ 394% |
| Recurring financial charges65 | €28 | €89 | €440 | ▲ 394% |
| Profit (loss) for the period before taxes9903 | €1,449 | €44,519 | €5,422 | ▼ 87.8% |
| Income taxes67/77 | €1,244 | €14,897 | €2,429 | ▼ 83.7% |
| Profit (loss) for the period9904 | €205 | €29,622 | €2,994 | ▼ 89.9% |
| Profit (loss) for the period to be appropriated9905 | €205 | €29,622 | €2,994 | ▼ 89.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €14,459 | €62,218 | €67,205 | ▲ 8.0% |
| Fixed assets21/28 | - | - | €3,084 | - |
| Tangible fixed assets22/27 | - | - | €3,084 | - |
| Plant, machinery and equipment23 | - | - | €917 | - |
| Furniture and vehicles24 | - | - | €2,167 | - |
| Current assets29/58 | €14,459 | €62,218 | €64,121 | ▲ 3.1% |
| Amounts receivable within one year40/41 | €5,592 | €39,641 | €31,019 | ▼ 21.7% |
| Trade receivables40 | €5,592 | €39,189 | €25,195 | ▼ 35.7% |
| Other amounts receivable41 | - | €452 | €5,824 | ▲ 13× |
| Cash at bank and in hand54/58 | €8,867 | €22,577 | €18,842 | ▼ 16.5% |
| Deferred charges and accrued income490/1 | - | - | €14,259 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €14,459 | €62,218 | €67,205 | ▲ 8.0% |
| Equity10/15 | €4,205 | €33,827 | €36,821 | ▲ 8.9% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | = |
| Profit (loss) carried forward14 | €205 | €29,827 | €32,821 | ▲ 10.0% |
| Amounts payable17/49 | €10,254 | €28,391 | €30,384 | ▲ 7.0% |
| Amounts payable within one year42/48 | €10,254 | €28,391 | €30,384 | ▲ 7.0% |
| Trade debts44 | €3,507 | - | €6,395 | - |
| Suppliers440/4 | €3,507 | - | €6,395 | - |
| Taxes, remuneration and social security45 | €2,387 | €22,249 | €23,989 | ▲ 7.8% |
| Taxes450/3 | €2,387 | €22,249 | €23,989 | ▲ 7.8% |
| Other amounts payable47/48 | €4,361 | €6,142 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €205 | €29,622 | €2,994 | ▼ 89.9% |
| + Depreciation and write-downs630 | - | - | €218 | - |
| Operating cash flow (approximation) | €205 | €29,622 | €3,211 | ▼ 89.2% |
| Change in cash | - | €13,709 | -€3,734 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,546 companies had the same profile as JWBM has now. Two years later, 94.3% were still going and 2.3% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JWBM itself is lower: 0.1% within 12 months. It rests on far more data about JWBM than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for JWBM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- BOGAERT Jan-Willem sole founder · 100% at incorporation
Capital transactions
- 06-06-2023 Incorporation · €4,000 · 10 shares
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
11-09
Gazette deed
Registered office moved from Knokke to Knokke-HeistNew seat: Tegelrie 11, 8301 Knokke-Heist · Previous seat: Bayauxlaan 3 bus 51, 8300 Knokke · Director in office3 points ▸
- General meeting, “alle aandelen aanwezig” (deed in Dutch)
- Registered-office move, Tegelrie 11, 8301 Knokke-Heist
- Director in office, Jan Willem Bogaert (director)
28-03
Gazette deed
Registered office moved within Knokke-HeistNew seat: Bayauxlaan 3/51, 8300 Knokke-Heist · Previous seat: Gulden Vliesstraat 1A bus 21, 8300 Knokke-Heist · Director in office3 points ▸
- General meeting, 20-11-2023
- Registered-office move, Bayauxlaan 3/51,8300 Knokke-Heist
- Director in office, Bogaert Jan-Willem (director)
06-06
Gazette deed
IncorporationStarting capital €4,000 · Appointment: BOGAERT Jan-Willem (director) · Founder7 points ▸
- Incorporation, 31-05-2023
- Founder, BOGAERT Jan-Willem
- Founding capital, €4,000
- Share issue, “vergoeding voor de inbrengen”, 10 (deed in Dutch)
- Registered office clause, “Knokke-Heist,Gulden Vliesstraat 1A bus 21” (deed in Dutch)
- Director appointment, BOGAERT Jan-Willem (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten in naam en voor rekening vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
JWBM was incorporated on 2 June 2023 as a private limited company by one natural person, with a starting capital of €4,000.12 The registered office was moved to Knokke-Heist in 2024.3 BOGAERT Jan-Willem is director of the company, appointed in the act of 06-06-2023.2 Total assets rose from €14,459 in 2023 to €67,205 in 2025.4
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Bayauxlaan 3 bus 51, 8300 Knokke until 30-06-2025 · act of 11-09-2025
Activities
NACEBEL 2025Codes under NACEBEL 2008
7 activities
- Diensten aanleveren op het gebied van management en consultancy.
- Overige gespecialiseerde wetenschappelijke en technische activiteiten
- Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering.
- Financiële dienstverlening en / of corporate finance.
- Adviesbureaus op het gebied van public relations en communicatie.
- Het bestuur van bedrijven en vennootschappen waarin zij een participatie heeft.
- Verlenen van adviezen en hulp aan het bedrijfsleven op het gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van in formatie aan de bedrijfsleiding enz.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31024A0093/00A003 | Flanders | 302 m² | 1 · 132 m² | 0.9 m |