Debts
€48,435 96% of the balance sheet
Financial debts 0%Suppliers 10%Taxes and wages 27%Other 63%
Of this, €45,819 falls due within a year.
QJB BILLARD
Lifetime
6 annual accounts with figures on one time axispeak €78,543 (2023)
€69,501▼ 11.5%
lowest -€16,462 (2024)
-€16,462▼ €19,050
peak €38,860 (2021)
€2,138▼ 88.5%
€48,435▼ 18.8%
peak 0.8 FTE (2020)
-not published
Board4 names since 2019
2 directorsKominczak Jérôme and 1 other
Documentsfilings and deeds
06-11-202598 days late
2024micro format
Loss of €16,462Equity from €18,600 to €2,138Debts from €59,683 to €48,435Cash from €21,327 to €6,377
Key points
from the 2024 annual accountsChecked score
47
Fair
Financially stronger than 15% of micro companies in sports and recreation (NACE 93)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 4,268 companies (NACE 93, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025lowest value
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.8%▲ +0.2 percentage points vs 08-2025
10-2025: 1.3%▲ +0.5 percentage points vs 09-2025
11-2025: 1.4%▲ +0.1 percentage points vs 10-2025
12-2025: 1.7%▲ +0.3 percentage points vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.7%● unchanged vs 03-2026
05-2026: 1.7%● unchanged vs 04-2026
06-2026: 1.7%● unchanged vs 05-2026
07-2026: 1.7%● unchanged vs 06-2026
08-2026: 2.2%▲ +0.5 percentage points vs 07-2026
09-2026: 2.5%▲ +0.3 percentage points vs 08-2026
10-2026: 3.7%▲ +1.2 percentage points vs 09-2026highest value
11-2026: 3.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 98 days late; 2 of the last 3 accounts late
Figures for financial year 2024 (filed on 16-11-2025)
lowers risk
Sector: Sports, amusement and recreation activities (NACE 93)
Size: total assets €50,573
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 93, micro). It does better than 29% of them on solvency, 14% on liquidity, 7% on profitability and 8% on growth.
The bankruptcy probability was computed on 07-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 646 companies had the same profile as QJB BILLARD has now. Each dot stands for 2 companies, two years later.
86.1%
were still trading
5.7%
stopped another way
7.3%
went bankrupt
Another 0.9% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of QJB BILLARD itself: 3.7% 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 646 companies, not a prediction for QJB BILLARD. 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.
Liquidity is insufficient, with a current ratio of 0.42 (0.67 in 2023), below 1. Short-term debt is 90.6% and cash 12.6% of total assets. 95.8% of the assets are financed with debt and provisions.
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 risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 100 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline08-11-2026 today
raises risk · 2024 accounts filed 98 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-11-2025, 98 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
98 days late
2023
27 days early
2022
122 days late
2021
31 days late
2020
30 days late
2019
110 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 61 days after the deadline. In the sector (NACE 93), the median for financial year 2024 was 1 day before the deadline, and 42% of those companies filed late.
Searched, nothing found (1)
Board and ownership
KJ
Kominczak Jérôme
Director, since 14-05-2019
- Damée Bertrand 62 sharesdeed of 19-06-2020
- Kominczak Jérôme 62 sharesdeed of 19-06-2020
Recent changes
Resignation: Damée Bertrand (director)
Appointment: Debarge Valérie (director) · General meeting of 12-05-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0726739836
Resignation: Carlier Quentin (manager)
Damée Bertrand holds 62 shares · Kominczak Jérôme holds 62 shares · General meeting of 09-06-2020 · Gazette deed
First establishment
Rue Grande 63, Quiévrain
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| QJB BILLARD Quiévrain | €50,573 | €69,501 | 4.2% | - |
| DUPIL Namur | €41,566 | €71,663 | -128.7% | 1.2 |
| Jaspers Zonhoven | €97,465 | €47,142 | 82.6% | - |
| DELTA MOON Mons | €94,543 | €41,502 | 74.3% | - |
| DE KOMMA LEUVEN Leuven | €59,623 | €24,761 | 68.5% | - |
| DEN BP Ingelmunster | €126,591 | €37,649 | 38.3% | - |
| NEW EUROGAME Tielt | €174,622 | €47,689 | 23.5% | - |
These companies have the same main activity as QJB BILLARD: sports, amusement and recreation activities (NACE 93292). They are comparable in size and age: total assets between €41,600 and €175,000, founded between 2008 and 2022.
Official details
Source: KBO- Status
- Active since 14-05-2019Normal situation
- Activity
- Sports, amusement and recreation activitiesNACE 93292and 1 other
- Joint committee
- 302Hotels and catering · annual accounts 2024
- Establishment unit
- 2.291.112.0867380 Quiévrain, since 01-08-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 15-04-2025
Annual accounts 2024
- ≈ €210,000estimated
- €50,573▼ 35.4%
- Employeeson 31-12-2024
- 2=
- Filing
- Filed on 06-11-2025
Insights on QJB BILLARD
QJB BILLARD files the micro format. That format states no turnover. The gross margin rose from €14,209 in 2019 to €69,501 in 2024.
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 QJB BILLARD
- What is the company number of QJB BILLARD?
- The company number of QJB BILLARD is 0726.739.836. The VAT number is the same number with BE in front: BE 0726.739.836.
- Where is QJB BILLARD based?
- The registered office is at Rue Grande 63, 7380 Quiévrain.Company details
- What does QJB BILLARD do?
- According to the KBO register, the main activity is sports, amusement and recreation activities (NACE 93292).
- What is the legal form of QJB BILLARD?
- QJB BILLARD is a private limited company (BV).
- When was QJB BILLARD founded?
- QJB BILLARD was founded on 14-05-2019.
- Is QJB BILLARD still active?
- Yes, QJB BILLARD is an active enterprise in the KBO register.
- How many employees does QJB BILLARD have?
- QJB BILLARD had an average of 1.4 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does QJB BILLARD fall under?
- In its 2024 annual accounts, QJB BILLARD states joint committee 302 (Hotels and catering).
- What is the turnover of QJB BILLARD?
- The turnover in financial year 2024 is ≈ €210,000. This figure is estimated from the gross margin of €69,501 and 2,665 comparable companies of the same size. It probably lies between €140,000 and €360,000. It is a rough estimate.
- Is QJB BILLARD profitable?
- In financial year 2024, QJB BILLARD made a loss of €16,462.
- Where can I find the annual accounts of QJB BILLARD?
- QJB BILLARD filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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