Skip to content

SFAR-JMS

Active
Private limited companyfounded 2021active for 4 yearsBergstraat 125, 2220 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0776.837.168
Summary

The computed 12-month bankruptcy probability of SFAR-JMS is 4.5% (elevated). The 2025 annual accounts show equity of €10,899 and a net result of €9,936. Equity has been shrinking by about 3.2% per year since 2023. Its solvency ranks better than 25% of 4,785 sector peers (NACE 56, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 04-11-2021 Normal situation
Activity
Full-service restaurants NACE 56111and 2 others
Establishment unit
2.328.186.179 2220 Heist-op-den-Berg, since 04-11-2021
Financial year end
30 September
Peppol
Reachable since 08-10-2025

Board and ownership

Board
  • Belkhadra MohammedDirector · since 04-11-2021

Financial position

39 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
4.5%
Annual accounts to 30-09-2025
Gross margin
€386,489
▲ 26.0%
Turnover
≈ €910,000
estimated
Profit
€9,936
Equity
€10,899
▲ 11×
Total assets
€218,793
▲ 3.3%
Staff
≈ 7.9 FTE
estimated
  • 2025 accounts filed 104 days after the deadline
Filed on 12-08-2026
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)Last filed accounts filed 104 days late; 1 of the last 3 accounts lateFounded in 2021lowers riskLiquidity: current ratio 0.42, cash €44,639Show the evidence

Checked score

Score 2025
39 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 51% of micro companies in food and beverage service (NACE 56)
Financial strength · tick: 2024
Weak
Solvency 30+5
equity 5.0% of total assets
Liquidity 26+9
short-term debt 95.0% · cash 20.4%
Profitability 74+37
return on assets 4.5%
Bankruptcy probability within 12 months
4.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,778 companies, NACE 56, micro)
Last 24 months 12-2024: 3.8% 01-2025: 4.0%▲ +0.2 percentage points vs 12-2024 02-2025: 4.0%● unchanged vs 01-2025 03-2025: 4.0%● unchanged vs 02-2025 04-2025: 4.2%▲ +0.2 percentage points vs 03-2025 05-2025: 4.6%▲ +0.4 percentage points vs 04-2025 06-2025: 4.7%▲ +0.1 percentage points vs 05-2025 07-2025: 3.4%▼ -1.3 percentage points vs 06-2025 08-2025: 3.3%▼ -0.1 percentage points vs 07-2025 09-2025: 3.3%● unchanged vs 08-2025 10-2025: 3.3%● unchanged vs 09-2025 11-2025: 3.3%● unchanged vs 10-2025lowest value 12-2025: 3.3%● unchanged vs 11-2025lowest value 01-2026: 3.4%▲ +0.1 percentage points vs 12-2025 02-2026: 3.5%▲ +0.1 percentage points vs 01-2026 03-2026: 3.5%● unchanged vs 02-2026 04-2026: 3.9%▲ +0.4 percentage points vs 03-2026 05-2026: 4.3%▲ +0.4 percentage points vs 04-2026 06-2026: 4.5%▲ +0.2 percentage points vs 05-2026 07-2026: 4.9%▲ +0.4 percentage points vs 06-2026 08-2026: 5.0%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 4.6%▼ -0.4 percentage points vs 08-2026 10-2026: 4.5%▼ -0.1 percentage points vs 09-2026 11-2026: 4.5%● unchanged vs 10-2026
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.42 (0.36 in 2024), below 1. Short-term debt is 95% and cash 20.4% of total assets. 95% of the assets are financed with debt and provisions.
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 56, micro). It does better than 29% of them on solvency, 21% on liquidity, 57% on profitability and 99% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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

Five signals.
lowers riskraises risk
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
raises risk · Last filed accounts filed 104 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.42, cash €44,639
NBB · annual accounts
raises risk · 2025 accounts filed 104 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-08-2026, 104 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 · 3 filings
Deviation from the deadline
2025
104 days late
2024
30 days late
2023
15 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 50 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 30 May (3 of the last 3 accounts filed within 74 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end02-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 6 events

Comparable companies

These companies have the same main activity as SFAR-JMS: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €194,000 and €234,000, founded in 2021.

CompanyTotal assetsGross margin
SFAR-JMS Heist-op-den-Berg€218,793€386,489
Bij Bibi Heist-op-den-Berg€225,392€362,744
BATTELIEK Mechelen€232,468€439,131
UNCLE CHANG Antwerpen€194,136€397,163
Steenstraete Langemark-Poelkapelle€234,230€417,355
Philokalia 3 Sint-Gillis (bij-Brussel)€213,336€343,240
KESTANE Zaventem€216,855€360,640
Full comparison

Key facts about SFAR-JMS

What is the company number of SFAR-JMS?
The company number of SFAR-JMS is 0776.837.168. The VAT number is the same number with BE in front: BE 0776.837.168.
Where is SFAR-JMS based?
The registered office is at Bergstraat 125, 2220 Heist-op-den-Berg.Company details
What does SFAR-JMS do?
According to the KBO register, the main activity is full-service restaurants (NACE 56111).
What is the legal form of SFAR-JMS?
The legal form of SFAR-JMS is Private limited company (BV).
When was SFAR-JMS founded?
SFAR-JMS was founded on 04-11-2021.
Is SFAR-JMS still active?
Yes, SFAR-JMS is an active enterprise in the KBO register.
What is the turnover of SFAR-JMS?
The turnover in financial year 2025 is ≈ €910,000. This figure is estimated from the gross margin of €386,489 and 43 comparable companies (NACE 56111). It probably lies between €840,000 and €1.3m.Financials
Is SFAR-JMS profitable?
In financial year 2025, SFAR-JMS made a profit of €9,936.
Where can I find the annual accounts of SFAR-JMS?
SFAR-JMS filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SFAR-JMS due?
SFAR-JMS must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.