Checked.be
Active
BE 0739.721.901Private limited company
JMCK
Rue Neuve Chaussée(PER) 88B ·7600 Péruwelz, Belgium· 6 yrs active
Sector: Manufacture of food products
(10711)
Conclusion
The computed 12-month bankruptcy probability of JMCK is 1.9% (moderate). The 2025 annual accounts show equity of €15k and a net result of €31k. Equity is growing by ~112% per year across the filed fiscal years. Its solvency ranks better than 28% of 1473 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €15k |
| Net result | €31k |
| Staff (FTE) | 4.7 |
| Better than sector | 28% |
Financial profile
67
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
51
Profitability
100
Solvency
8
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, 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.
Checked score
51
/ 100
Fair
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.
Indicative credit limit
€1k
estimate, not credit advice
Score history
10
2022
16
2023
8
2024
51
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.60 (< 1.0)
-10
Quick ratio
Quick ratio 0.41 (< 0.6)
-5
Leverage
Debt/equity 10.63 (> 3.0)
-10
Profitability
ROE 205% (≥ 10%)
+10
Interest coverage
Interest coverage 12.7× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-03-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~112%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 10, Manufacture of food products · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.6% | 32.7% | |
| Net result | €31k | €8k | |
| Equity | €15k | €54k | |
| Gross operating margin | €178k | €81k | |
| Staff costs | €103k | €75k |
€73k
+40.4%
22-25
€31k
+1254.5%
22-25
€67k
+55.3%
22-25
€176k
-9.5%
22-25
€15k
-
22-25
€-31k
+36.6%
22-25
5
-17.5%
22-25
€103k
-0.7%
22-25
€60
-82.4%
22-25
€161k
-23.5%
22-25
€79k
0.0%
22-25
€79k
-38.9%
22-25
0.60
+60.5%
22-25
0.41
+98.8%
22-25
8.6%
-
22-25
10.63
-
22-25
205.2%
-
22-25
17.7%
+1396.2%
22-25
12.65
+105.0%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €73k | €52k | €85k | €-2k |
| Net profit | €31k | €2k | €31k | €-59k |
| Cash flow | €67k | €43k | €74k | €-19k |
| Staff costs | €103k | €103k | €102k | €102k |
| Income taxes | €60 | €342 | €72 | €96 |
| Dividends | - | - | - | - |
| Total assets | €176k | €194k | €238k | €271k |
| Equity | €15k | €-16k | €-18k | €-49k |
| Debt | €161k | €210k | €256k | €321k |
| of which ≤ 1y | €79k | €79k | €90k | €107k |
| of which > 1y | €79k | €130k | €166k | €214k |
| Working capital | €-31k | €-49k | €-55k | €-80k |
| Employees (FTE) | 4.7 | 5.7 | 6.3 | 4.4 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.60 | 0.38 | 0.39 | 0.25 |
| Quick ratio | 0.41 | 0.20 | 0.28 | 0.16 |
| Working capital ratio | -17.7% | -25.3% | -23.0% | -29.4% |
| Solvency | 8.6% | -8.2% | -7.7% | -18.2% |
| Debt / equity | 10.63 | -13.21 | -14.06 | -6.49 |
| Long-term debt ratio | 5.23 | -8.13 | -9.10 | -4.33 |
| Interest coverage | 12.65 | 6.17 | 7.57 | -0.16 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 17.7% | 1.2% | 13.1% | -21.8% |
| ROE | 205.2% | -14.4% | -171.1% | 119.7% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €176k | €194k | €238k | €271k |
| Fixed assets | 21/28 | €128k | €165k | €201k | €243k |
| Formation expenses | 20 | €0 | €195 | €810 | €1k |
| Intangible fixed assets | 21 | €0 | €1k | €6k | €11k |
| Tangible fixed assets | 22/27 | €111k | €146k | €178k | €214k |
| Financial fixed assets | 28 | €17k | €17k | €17k | €17k |
| Current assets | 29/58 | €48k | €30k | €36k | €27k |
| Stocks & contracts in progress | 3 | €16k | €14k | €10k | €10k |
| Amounts receivable within one year | 40/41 | €5k | €11k | €16k | €9k |
| Cash & bank | 54/58 | €27k | €5k | €8k | €6k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €176k | €194k | €238k | €271k |
| Equity | 10/15 | €15k | €-16k | €-18k | €-49k |
| Contributions / capital | 10/11 | €10k | €10k | €10k | €10k |
| Accumulated profits (losses) | 14 | €5k | €-26k | €-28k | €-59k |
| Amounts payable | 17/49 | €161k | €210k | €256k | €321k |
| Amounts payable after one year | 17 | €79k | €130k | €166k | €214k |
| Amounts payable within one year | 42/48 | €79k | €79k | €90k | €107k |
| Trade debts payable within one year | 44 | €26k | €29k | €34k | €48k |
| Income statement | |||||
| Gross operating margin | 9900 | €178k | €156k | €189k | €102k |
| Operating result | 9901 | €37k | €11k | €42k | €-43k |
| Financial income | 75 | €0 | €20 | €67 | €0 |
| Financial charges | 65 | €6k | €8k | €11k | €14k |
| Result before taxes | 9903 | €31k | €3k | €31k | €-59k |
| Income taxes | 67/77 | €60 | €342 | €72 | €96 |
| Net result for the period | 9904 | €31k | €2k | €31k | €-59k |
| Result to be appropriated | 9905 | €31k | €2k | €31k | €-59k |
Legal Structure
| NACE primary | Manufacture of food products(10711) |
| Legal form | Private limited company(610) |
| Incorporation | 17-12-2019 |
| Status | Active |
| Postal code | 7600 |
Establishment units
Boulangerie Firmin Péruwelz
since 20192.297.426.093
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57064B0751/00C000 | Wallonia | 1,729 m² | 1 · 118 m² | 7.2 m |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Manufacture of food products10711Limited-service restaurants56102Limited-service restaurants, excluding mobile food services56112Retail sale of bread and pastry (bakery outlets)47241
Names & trade names
| Legal nameFR | JMCK |
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