JWM

Active

Private limited companyfounded 20187 yrs activeRijkelstraat 55, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0713.571.392

Summary

JWM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,917 and a net result of €243. Its solvency ranks better than 88% of 8535 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch Report Compare

JWMActiveChecked score 81/100

Risk analysis Report Compare

Activity

Other business support services

NACE 82990

1 site

Size

€130,690total assets 2025

Equity: €115,917
Profit: €243

Turnover not published (abridged schema)

Financial health

81 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Accounts on time0 of 2 deeds read

Why 81- 1 of the last 3 late- Size: total assets €130,690- Liquidity: current ratio 8.58, cash €2,675, halved+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2025

81 / 100

Excellent

Probability in this band: under 0.55%

Better than 48% of its sector peers (NACE 82, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 88.7% of total assets

Liquidity 52-5

short-term debt 11.3% · cash 2.0%

Profitability 39-45

return on assets 0.2%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,439 companies)

Last 14 months 09-2025: 0.4%lowest value 10-2025: 0.4%▲ +6.8% vs 09-2025 11-2025: 0.6%▲ +60.9% vs 10-2025highest value 12-2025: 0.5%▼ -25.0% vs 11-2025 01-2026: 0.5%● 0.0% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.5%▼ -1.7% vs 03-2026 05-2026: 0.5%▲ +3.2% vs 04-2026 06-2026: 0.5%▼ -0.6% vs 05-2026 07-2026: 0.5%▼ -1.1% vs 06-2026 08-2026: 0.5%▲ +1.3% vs 07-2026 09-2026: 0.5%▼ -0.2% vs 08-2026 10-2026: 0.5%▲ +10.3% vs 09-2026

Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
1 of the last 3 late raises the probability
Size: total assets €130,690 raises the probability for this profile
Liquidity: current ratio 8.58, cash €2,675, halved raises the probability

Credit up to €9,000 at 30 days acceptable

Liquidity ample (current ratio 8.58 against 14.34 in 2024; short-term debt: 11.3% and cash: 2% of total assets), and 11.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 88%, liquidity 43%, profitability 22%, growth against the median 40%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Office administrative, office support and other business support activities (NACE 82)

In the bankruptcy model this factor lowers the probability.

KBO

1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €130,690

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 8.58, cash €2,675, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

on the day

2024

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close02-10-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

31-10-25 Annual accounts filedfiscal year 2025 · micro…
01-12-24 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Among the best 13% on solvencysector median 51.1% · 8,535 companies 88.7% View
Total assets 20252 fiscal years filed €130,690 View
Active since 2018founded 15-11-2018 7 years View