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Palms - Jans

Active
Private limited companyfounded 1992active for 34 yearsFonteinstraat 12, 3560 Lummen, BelgiumKBO/BCE: BE 0446.543.458
Summary

Palms - Jans has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €680,280 and a net result of -€1,124. Equity remains stable across the filed financial years (±1.6% per year). Its solvency ranks better than 65% of 12,678 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Palms - JansActiveChecked score 83/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512Retail sale of women's outerwear NACE 47711
2 sites
Size
€1.3mtotal assets 2025
Staff
2.2 FTE
Equity
€680,280
Loss
-€1,124
Turnover not published (abbreviated format)
Financial health
83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Holdings
1
2025 accounts 71 days early1 of 3 deeds summarised
Why 83raises riskLiquidity: current ratio 0.08, cash €3,600Sector: Retail trade (NACE 47)lowers riskFounded in 1992Size: 2.2 FTE, total assets €1.3mShow the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 44% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 76+1
equity 51.4% of total assets
Liquidity 40-1
short-term debt 26.3% · cash 0.3%
Profitability 47+9
return on assets -0.1%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,246 companies, NACE 47, micro)
Last 24 months 11-2024: 0.5%highest value 12-2024: 0.5%● unchanged vs 11-2024highest value 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.4%▼ -0.1 percentage points vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026lowest value 04-2026: 0.4%● unchanged vs 03-2026lowest value 05-2026: 0.4%● unchanged vs 04-2026lowest value 06-2026: 0.4%● unchanged vs 05-2026lowest value 07-2026: 0.4%● unchanged vs 06-2026lowest value 08-2026: 0.4%● unchanged vs 07-2026lowest value 09-2026: 0.4%● unchanged vs 08-2026lowest value 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.08, compared with 0.08 in 2024, below 1; short-term debt: 26.3% and cash: 0.3% of total assets), and 48.6% of the assets are financed with debt and provisions.
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 47, micro): better than 66% on solvency, 38% on liquidity, 35% on profitability and 38% on growth.

The bankruptcy probability was computed on 26-10-2026 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

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1992
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 0.08, cash €3,600
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Size: 2.2 FTE, total assets €1.3m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-02-2026, 71 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
71 days early
2024
139 days early
2023
34 days early
2022
32 days early
2021
1 day early
2020
4 days late
2019
37 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 44 days before the deadline; the sector median (NACE 47) for financial year 2024 is 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 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 March (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end27-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Annual accounts filedfinancial year 2023 · abbreviated…

Key points

  • Risk: 5 loss-making years in a rowloss financial year 2025 -€1,124 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View
  • Active since 1992founded 07-02-1992 34 years View

By topic

Financials

Financial year
2025
Total assets
€1.3m
Loss
-€1,124
Solvency
51.4%
Total assets▼ 3.1%
Net result
20192025
Go to Financials

Timeline

Events
36
Since
1993
Next accounts
by 30-04-2027
  1. 08-12-2023Appointment: PALMS Inge (director)
  2. 29-03-2023Annual accounts filed
  3. 30-09-2022Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of household textiles and beddingNACE 47512
Founded
07-02-1992
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Palms - Jans

What is the company number of Palms - Jans?
0446.543.458. In Belgium the VAT number is the company number with BE in front: BE 0446.543.458.
Where is Palms - Jans based?
The registered office is at Fonteinstraat 12, 3560 Lummen.Company details
What does Palms - Jans do?
According to the KBO register, the main activity is retail sale of household textiles and bedding (NACE 47512).
What is the legal form of Palms - Jans?
Private limited company (BV).
When was Palms - Jans founded?
On 07-02-1992.
Is Palms - Jans still active?
Yes, Palms - Jans is an active enterprise in the KBO register.
How many employees does Palms - Jans have?
On average 2.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Palms - Jans?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Palms - Jans profitable?
In financial year 2025, Palms - Jans made a loss of €1,124.
Where can I find the annual accounts of Palms - Jans?
Palms - Jans filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Palms - Jans due?
By 30-04-2027, for financial year 2026.Timeline

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