Turnover
≈ €150,000 estimated
The accounts state no turnover.
MJSV
Lifetime
12 annual accounts with figures on one time axispeak €98,518 (2018)
€32,964▼ 22.4%
lowest -€42,159 (2015)
€3,110▼ 71.1%
peak €162,195 (2014)
€127,474▲ 2.5%
€386,464▲ 15.9%
peak 1 FTE (2018)
-not published
Board2 names since 2013
2 directorsJoëlle Vaessen and 1 other
Documentsfilings and deeds
07-03-202635 days late
2025abbreviated format
Gross margin from €42,471 to €32,964Result from €10,777 to €3,110Debts from €333,315 to €386,464Cash from €10,418 to €19,410
Key points
from the 2025 annual accountsChecked score
79
Excellent
Financially stronger than 32% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.5%▲ +0.2 percentage points vs 12-2024
02-2025: 0.7%▲ +0.2 percentage points vs 01-2025
03-2025: 0.2%▼ -0.5 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025lowest value
05-2025: 0.2%● unchanged vs 04-2025lowest value
06-2025: 0.2%● unchanged vs 05-2025lowest value
07-2025: 0.2%● unchanged vs 06-2025lowest value
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.3%▲ +0.1 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.4%▲ +0.1 percentage points vs 12-2025
02-2026: 0.7%▲ +0.3 percentage points vs 01-2026
03-2026: 0.9%▲ +0.2 percentage points vs 02-2026highest value
04-2026: 0.5%▼ -0.4 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.6%▲ +0.1 percentage points vs 09-2026
11-2026: 0.5%▼ -0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 36 days late; 1 of the last 3 accounts late
Sector: Retail trade (NACE 47)
Liquidity: current ratio 1.24, cash €19,410
lowers risk
Founded in 2013
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 47, micro). It does better than 40% of them on solvency, 14% on liquidity, 27% on profitability and 46% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as MJSV has now. Each dot stands for 11 companies, two years later.
97.9%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MJSV itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 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 4,107 companies, not a prediction for MJSV. 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.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (1.33 in 2024), below the usual 1.5. Short-term debt is 75% and cash 3.8% of total assets. 75.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €127,474
raises risk · 2025 accounts filed 35 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-03-2026, 35 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 · 10 filingsDeviation from the deadline
2025
35 days late
2024
13 days late
2023
21 days late
2022
on the day
2021
26 days late
2020
1 day late
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 21 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0524852449
Changes of role: SCHOUTERDEN Michaël Paul Karel Robert (director) and VAESSEN Joëlle Irma Hubert Augusta (director)
Director discharge: SCHOUTERDEN Michaël Paul Karel Robert · Director discharge: VAESSEN Joëlle Irma Hubert Augusta · General meeting of 01-02-2024 · Gazette deed
Registered office moved within Maaseik
New registered office: Bosstraat 40 te 3680 Maaseik · Previous registered office: Bosstraat 94 te 3680 Maaseik · Gazette deed
First establishment
Bosstraat 40, Maaseik
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MJSV Maaseik | €513,938 | €32,964 | 24.8% | - |
| JOMAREY Oostkamp | €566,436 | €46,869 | 17.2% | - |
| CaroK Uccle | €426,151 | €37,304 | -62.9% | - |
| NEOZONE.EU Malmedy | €375,331 | €45,143 | 28.5% | - |
| SHIVA ASSE Asse | €588,099 | €52,375 | 39.5% | - |
| HUBA Hasselt | €333,910 | €66,442 | 6.8% | - |
| Helios Holding Kampenhout | €725,863 | €32,053 | -8.4% | - |
These companies have the same main activity as MJSV: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €334,000 and €726,000, founded between 2009 and 2017.
Official details
Source: KBO- Status
- Active since 21-03-2013Normal situation
- Activity
- Retail sale of women's outerwearNACE 47711and 1 other
- Establishment unit
- 2.218.823.7283680 Maaseik, since 26-03-2013
- Financial year end
- 30 June
- Peppol
- Reachable since 03-12-2025
Insights on MJSV
MJSV files the abbreviated format. That format states no turnover. The gross margin fell from €42,855 in 2014 to €32,964 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MJSV
- What is the company number of MJSV?
- The company number of MJSV is 0524.852.449. The VAT number is the same number with BE in front: BE 0524.852.449.
- Where is MJSV based?
- The registered office is at Bosstraat 40, 3680 Maaseik.Company details
- What does MJSV do?
- According to the KBO register, the main activity is retail sale of women's outerwear (NACE 47711).
- What is the legal form of MJSV?
- MJSV is a private limited company (BV).
- When was MJSV founded?
- MJSV was founded on 21-03-2013.
- Is MJSV still active?
- Yes, MJSV is an active enterprise in the KBO register.
- How many employees does MJSV have?
- MJSV had an average of 0.3 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of MJSV?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €32,964 and 72 comparable companies (NACE 477). It probably lies between €83,000 and €280,000.
- Is MJSV profitable?
- In financial year 2025, MJSV made a profit of €3,110.
- Where can I find the annual accounts of MJSV?
- MJSV filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MJSV due?
- MJSV must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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