Skip to content

JAMILHOIR

Active
Rue des Droits de l'Homme 6 ·7000 Mons, Belgium
KBO/BCE: BE 0786.295.856
Watch Print / PDF
Age4 yrs
Real estate1 parcel · 407 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JAMILHOIR is 3.0% (moderate). The 2023 annual accounts show equity of €2k and a net result of €2k. Its solvency ranks better than 50% of 2975 sector peers (fiscal year 2023). 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 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 24-01-2025, 177 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2023 31-07-2024 24-01-2025 177 d late 2025-00022700

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More 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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€66k
EBIT margin5.6%
Net result€2k
Working capital€2k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 24-01-2025 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 25.1% 25.2%
better than 50% of 2975 sector peers
Net result €2k €4k
better than 47% of 2965 sector peers
Equity €2k €20k
better than 28% of 2986 sector peers
Gross operating margin €4k €18k
better than 33% of 2955 sector peers
Total assets €9k €102k
better than 8% of 2975 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2023
Depositmicro
Revenue€66k
EBITDA-
Net profit€2k
Cash flow-
Staff costs-
Income taxes€1k
Dividends-
Total assets€9k
Equity€2k
Debt€7k
of which ≤ 1y€7k
of which > 1y-
Working capital€2k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.33
Quick ratio1.33
Working capital ratio25.1%
Solvency25.1%
Debt / equity2.99
Long-term debt ratio-
Interest coverage-
Gross margin6.3%
Net margin3.3%
ROA25.0%
ROE99.5%
EBITDA margin-
Days sales outstanding6d
Days payable outstanding2d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€9k
Current assets 29/58€9k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9k
Equity 10/15€2k
Contributions / capital 10/11€10
Reserves 13€110
Accumulated profits (losses) 14€2k
Amounts payable 17/49€7k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€389
Income statement
Turnover 70€66k
Gross operating margin 9900€4k
Operating result 9901€4k
Financial charges 65€233
Result before taxes 9903€3k
Income taxes 67/77€1k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
70 / 100 Healthy
050100
Computed from 3 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 from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue des Droits de l'Homme 67000 Mons

Establishment units

1 location
JAMILHOIR
Rue des Droits de l'Homme 6, 7000 MonsGroothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20222.332.754.285
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area407 m²
Buildings1
Building footprint105 m²
Volume (LiDAR)967 m³
Tallest building11.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53403G0155/00B006 Wallonia 407 m² 1 · 105 m² 11.1 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 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

Belgisch Staatsblad · acts

1 acts
Address history · 1
01-07-2024
Registered-office move
All acts · 1 updated 2 years ago
2024
01-07-2024 Registered office moved from DOUR to MONS Registered-office change
  • 7370 DOUR - Rue des Andrieux 168 boite 3 → 7000 MONS, Rue des droits de l' Homme N° 6

Analysis

Snowflake analysis

financial profile on 5 axes
Health70Profitability71Solvency45Growth-Stability79
66 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 70
Profitability 71
Solvency 45
Growth -
Stability 79

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 136 of the 1,280 companies in this sector. 54 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Handelsbemiddeling in textiel, kleding, bont, schoeisel en lederwaren46160Handelsbemiddeling in de groothandel in textiel, kleding, bont, schoeisel en lederwaren46160
Primary activity highlighted.
Names & trade names
Legal nameFR JAMILHOIR
Registered office
Rue des Droits de l'Homme 6
7000 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.