Age4 yrs
Real estate2 parcels · 1,042 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of James & Co is 3.8% (moderate). The 2024 annual accounts show equity of €17k and a net result of €-9k. Its solvency ranks better than 44% of 1225 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-9k
Working capital€17k+2.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 16.4% | 20.4% | |
| Net result | €-9k | €26k | |
| Equity | €17k | €142k | |
| Gross operating margin | €-5k | €217k | |
| Total assets | €105k | €765k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-6k
-
far below sector median
€-9k
-
far below sector median
€-6k
-
far below sector median
€105k
-7.4%
-50% vs sector
€17k
-33.4%
-34% vs sector
€17k
+2.2%
-24% vs sector
€6k
-
+108% vs sector
€88k
+0.2%
-49% vs sector
€81k
-7.6%
-15% vs sector
€7k
-
-97% vs sector
1.21
+1.7%
-5% vs sector
1.21
+4.0%
+8% vs sector
16.4%
-28.0%
-10% vs sector
5.10
+50.4%
+14% vs sector
-50.1%
-
far below sector median
-8.2%
-
far below sector median
-2.36
-
far below sector median
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €-6k |
| Net profit | €-9k |
| Cash flow | €-6k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €105k |
| Equity | €17k |
| Debt | €88k |
| of which ≤ 1y | €81k |
| of which > 1y | €7k |
| Working capital | €17k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.21 |
| Quick ratio | 1.21 |
| Working capital ratio | 16.3% |
| Solvency | 16.4% |
| Debt / equity | 5.10 |
| Long-term debt ratio | 0.40 |
| Interest coverage | -2.36 |
| Gross margin | - |
| Net margin | - |
| ROA | -8.2% |
| ROE | -50.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €105k |
| Fixed assets | 21/28 | €7k |
| Tangible fixed assets | 22/27 | €7k |
| Current assets | 29/58 | €98k |
| Amounts receivable within one year | 40/41 | €82k |
| Cash & bank | 54/58 | €16k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €105k |
| Equity | 10/15 | €17k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €12k |
| Amounts payable | 17/49 | €88k |
| Amounts payable after one year | 17 | €7k |
| Amounts payable within one year | 42/48 | €81k |
| Trade debts payable within one year | 44 | €70k |
| Income statement | ||
| Gross operating margin | 9900 | €-5k |
| Operating result | 9901 | €-8k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €-9k |
| Net result for the period | 9904 | €-9k |
| Result to be appropriated | 9905 | €-9k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed27
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
2 locationsWijnhandel La Fleur
since 20222.334.692.505
Le Bœuf
since 20222.334.692.604
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,042 m²
Buildings2
Building footprint288 m²
Volume (LiDAR)1,256 m³
Tallest building7.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036A0162/00G000 | Flanders | 832 m² | 1 · 128 m² | 6.6 m · 1 fl. |
| 13302D0683/00E005 | Flanders | 210 m² | 1 · 160 m² | 7.3 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axes36
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
27
Profitability
0
Solvency
27
Growth
32
Stability
94
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Credit advice
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Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | James & Co |
Registered office
Pontfort 105
2470 Retie, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.