Starting capital
€2,000 100 shares
NMJ SERVICES
Lifetime
1 annual account with figurespeak -€1,925 (2025)
-€1,925
lowest -€1,982 (2025)
-€1,982
peak €18 (2025)
€18
€1,300
Board1 name since 2025
1 directorALAMI Nora
Documentsfilings and deeds
14-07-202617 days before the deadline
2025micro format
Loss of €1,982Incorporation 24-071 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsTurnover not published (micro format)
Checked score
54
Fair
Financially stronger than 26% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2026: 1.0%lowest value
09-2026: 1.0%● unchanged vs 08-2026lowest value
10-2026: 1.0%● unchanged vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Founded in 2025
Equity €18 (1.4% of total assets)
lowers risk
Liquidity: current ratio 1.01, cash €1,318
Size: total assets €1,318
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 20% of them on solvency, 52% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 31-12-2025.
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, 167 companies had the same profile as NMJ SERVICES has now. Each dot is one company, two years later.
89.2%
were still trading
6.6%
stopped another way
4.2%
went bankrupt
That fits the bankruptcy probability of NMJ SERVICES itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,448 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 167 companies, not a prediction for NMJ SERVICES. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
The balance sheet total is too small for a liquidity verdict.
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
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 22939 sector peers (2025).
NBB · sector comparisonPosition among 22939 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
17 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1025754313
Incorporation
Founding capital of €2,000, 100 shares · Founder: ALAMI Nora · Appointment: ALAMI Nora (director) · published on 24-07-2025 · Gazette deed
First establishment
Joseph Hansesquare 2, Woluwe-Saint-Lambert
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NMJ SERVICES Woluwe-Saint-Lambert | €1,318 | -€1,925 | 1.4% | - |
| ET-Group Antwerp | €1,979 | -€1,849 | 100.0% | - |
| PLUI Kampenhout | €4,056 | -€7,358 | -385.1% | - |
| Candy Factory Corporate Ixelles | €6,980 | -€6,549 | -51.1% | - |
| SABER SERVICES Zaventem | €1,728 | -€3,977 | -670.9% | - |
| KRK GROUP Machelen (Brab.) | €7,102 | -€333 | 92.2% | - |
| Seat@thetable Laarne | €4,024 | -€3,965 | -66.3% | - |
These companies have the same main activity as NMJ SERVICES: other retail sale of new goods (NACE 47789). They are comparable in size and age: total assets between €1,730 and €7,100, founded between 2020 and 2024.
Official details
Source: KBO- Status
- Active since 22-07-2025Normal situation
- Activity
- Other retail sale of new goodsNACE 47789
- Establishment unit
- 2.378.241.3471200 Woluwe-Saint-Lambert, since 22-07-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 24-04-2026
Annual accounts 2025
- €1,318
- Filing
- Filed on 14-07-2026, 17 days before the end of the filing period
Insights on NMJ SERVICES
The annual accounts of NMJ SERVICES for financial year 2025 show a net loss of 150% of total assets. The 2025 annual accounts show equity of €18 and a net result of -€1,982.
Its solvency ranks better than 23% of 22,939 sector peers (NACE 47, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
The computed 12-month bankruptcy probability is 1.0% (low).
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 NMJ SERVICES
- What is the company number of NMJ SERVICES?
- The company number of NMJ SERVICES is 1025.754.313. The VAT number is the same number with BE in front: BE 1025.754.313.
- Where is NMJ SERVICES based?
- The registered office is at Joseph Hansesquare 2, 1200 Woluwe-Saint-Lambert.Company details
- What does NMJ SERVICES do?
- According to the KBO register, the main activity is other retail sale of new goods (NACE 47789).
- What is the legal form of NMJ SERVICES?
- NMJ SERVICES is a private limited company (BV).
- When was NMJ SERVICES founded?
- NMJ SERVICES was founded on 22-07-2025.
- Is NMJ SERVICES still active?
- Yes, NMJ SERVICES is an active enterprise in the KBO register.
- What is the turnover of NMJ SERVICES?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is NMJ SERVICES profitable?
- In financial year 2025, NMJ SERVICES made a loss of €1,982.
- Where can I find the annual accounts of NMJ SERVICES?
- NMJ SERVICES filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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