ATELIER JMD
ActiveATELIER JMD has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €706k and a net result of €76k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency92▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.95 against 2.44 in 2024; short-term debt: 27.1% and cash: 13.9% of total assets), and 33.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.5%
Return on assets
7.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
38 d late
2024
26 d late
2023
29 d late
2022
3 d early
2021
26 d late
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€76k▼ 9.2%
2024 · €84k
2018: €60k
2019: €36k
2020: €37k
2021: €50k
2022: €66k
2023: €50k
2024: €84k
2018 → 2025
Working capital
€561k▲ 15.8%
2024 · €485k
2018: €152k
2019: €256k
2020: €262k
2021: €345k
2022: €358k
2023: €396k
2024: €485k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€433k-€499k▲ 15.1%€547k▲ 9.7%€630k▲ 15.2%€706k▲ 12.0%
Operating result€67k-€90k▲ 35.3%€70k▼ 22.6%€116k▲ 66.0%€110k▼ 5.4%
Net result€50k-€66k▲ 32.3%€50k▼ 25.3%€84k▲ 70.0%€76k▼ 9.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€212k▲ 13.0%
Current assets
€849k▲ 3.2%
Equity and liabilities €1.06M
Equity
€706k▲ 12.0%
Debt
€355k▼ 6.4%
The debt ratio falls from 37.6% to 33.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€153k▲
2024 · €153k
Cash flow
€120k▼
2024 · €121k
Solvency
66.5%▲
2024 · 62.4%
Current ratio
2.95▲
2024 · 2.44
Quick ratio
0.91▲
2024 · 0.65
Debt / equity
0.50▼
2024 · 0.60
ROE
10.8%▼
2024 · 13.4%
ROA
7.2%▼
2024 · 8.3%
Interest coverage
37.58▼
2024 · 43.05
Debt
€355k▼
2024 · €380k
Debt ≤ 1 year
€288k▼
2024 · €337k
Debt > 1 year
€68k▲
2024 · €42k
Income taxes
€30k▲
2024 · €29k
Staff costs
€55k▲
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€1.06M▲
Fixed assets21/28€188k€212k▲
Tangible fixed assets22/27€188k€212k▲
Land and buildings22€129k€116k▼
Plant, machinery and equipment23€47k€40k▼
Furniture and vehicles24€12k€57k▲
Financial fixed assets28€175€175=
Current assets29/58€822k€849k▲
Stocks and contracts in progress3€602k€589k▼
Stocks30/36€602k€589k▼
Amounts receivable within one year40/41€52k€106k▲
Trade receivables40€32k€80k▲
Other amounts receivable41€20k€26k▲
Cash at bank and in hand54/58€164k€148k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.06M▲
Equity10/15€630k€706k▲
Contributions10/11€159k€159k=
Capital10€159k€159k=
Issued capital100€159k€159k=
Reserves13€53k€53k=
Non-distributable reserves130/1€22k€22k=
Legal reserve130€22k€22k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€413k€489k▲
Investment grants15€6k€5k▼
Amounts payable17/49€380k€355k▼
Amounts payable after more than one year17€42k€68k▲
Financial debts170/4€12k€38k▲
Other amounts payable178/9€30k€30k=
Amounts payable within one year42/48€337k€288k▼
Current portion of amounts payable after more than one year42€35k€39k▲
Trade debts44€267k€218k▼
Suppliers440/4€267k€218k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€28k€28k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€43k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€203k€211k▲
Operating profit (loss)9901€116k€110k▼
Financial income75/76B€52€264▲
Recurring financial income75€52€264▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€113k€106k▼
Income taxes67/77€29k€30k▲
Profit (loss) for the period9904€84k€76k▼
Profit (loss) for the period to be appropriated9905€84k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€413k€489k▲
Profit (loss) brought forward from the previous period14P€329k€413k▲
Social balance
Average headcount (FTE)90871.00.7▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 38 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €84k ▲70%
Operating result €116k, net result €84k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Equity above €500kEq €547k ▲9.7%
6 profitable years in a row build equity to €547k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €36k ▼40.3%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Le Roeulx · 1 establishment unit since 2011
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 du Vent Val(GOT) 847070 Le RoeulxGround area
1,268 m²
Building footprint
94 m²
Volume, LiDAR
623 m³
Parcel 55542C0339/00R000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Atelier JMD
since 20112.201.351.751
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55542C0339/00R000 | Wallonia | 1,268 m² | 1 · 94 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 3,713 companies in sector 33120 we hold annual accounts for 1,342. 816 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2011
Fiscal year end31-12
Activities, NACEBEL
33120Repair and maintenance of machinery
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
45204
47820Retail sale of motor vehicle parts and accessories
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.