GROUP J.M.C.
ActiveGROUP J.M.C. has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €14k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+18
Solvency87▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 2.6 in 2024; short-term debt: 16% and cash: 35.2% of total assets), and 37.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
62.4%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
28 d late
2022
31 d late
2021
2 d early
2020
4 d early
2019
28 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€283k▲ 5.4%
2024 · €269k
2018: €166k
2019: €164k
2020: €181k
2021: €195k
2022: €224k
2023: €261k
2024: €269k
2018 → 2025
Total assets
€453k▲ 0.5%
2024 · €451k
2018: €351k
2019: €502k
2020: €503k
2021: €476k
2022: €642k
2023: €529k
2024: €451k
2018 → 2025
Net result
€14k▲ 82.0%
2024 · €8k
2018: €14k
2019: €-2k
2020: €16k
2021: €15k
2022: €29k
2023: €37k
2024: €8k
2018 → 2025
Working capital
€136k▲ 14.3%
2024 · €119k
2018: €100k
2019: €86k
2020: €114k
2021: €128k
2022: €109k
2023: €149k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€224k▲ 14.9%€261k▲ 16.3%€269k▲ 3.0%€283k▲ 5.4%
Operating result€26k-€47k▲ 80.5%€58k▲ 23.0%€21k▼ 63.9%€27k▲ 29.2%
Net result€15k-€29k▲ 98.7%€37k▲ 25.5%€8k▼ 78.2%€14k▲ 82.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453k
Fixed assets
€245k▼ 5.0%
Current assets
€209k▲ 7.8%
Equity and liabilities €453k
Equity
€283k▲ 5.4%
Debt
€170k▼ 6.7%
The debt ratio falls from 40.4% to 37.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▲
2024 · €36k
Cash flow
€30k▲
2024 · €23k
Solvency
62.4%▲
2024 · 59.6%
Current ratio
2.88▲
2024 · 2.60
Quick ratio
2.88▲
2024 · 2.60
Debt / equity
0.60▼
2024 · 0.68
ROE
5.1%▲
2024 · 3.0%
ROA
3.2%▲
2024 · 1.8%
Interest coverage
8.17▲
2024 · 4.11
Debt
€170k▼
2024 · €182k
Debt ≤ 1 year
€72k▼
2024 · €74k
Debt > 1 year
€98k▼
2024 · €108k
Income taxes
€9k▲
2024 · €4k
Staff costs
€60k▲
2024 · €48k
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€451k€453k▲
Fixed assets21/28€258k€245k▼
Tangible fixed assets22/27€257k€244k▼
Land and buildings22€247k€235k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€3k€4k▲
Financial fixed assets28€496€496=
Current assets29/58€193k€209k▲
Amounts receivable within one year40/41€27k€47k▲
Trade receivables40€27k€46k▲
Other amounts receivable41-€186
Current investments50/53€0-
Cash at bank and in hand54/58€164k€160k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€451k€453k▲
Equity10/15€269k€283k▲
Contributions10/11€11k€11k=
Reserves13€257k€272k▲
Tax-exempt reserves132€23k€23k=
Distributable reserves133€234k€249k▲
Amounts payable17/49€182k€170k▼
Amounts payable after more than one year17€108k€98k▼
Financial debts170/4€108k€98k▼
Amounts payable within one year42/48€74k€72k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€845€3k▲
Credit institutions430/8€845€3k▲
Trade debts44€8k€8k▼
Suppliers440/4€8k€8k▼
Taxes, remuneration and social security45€42k€38k▼
Taxes450/3€34k€28k▼
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€13k€14k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€33k€0▼
Remuneration, social security and pensions62€48k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€87k€107k▲
Operating profit (loss)9901€21k€27k▲
Financial income75/76B€58€1k▲
Recurring financial income75€58€1k▲
Financial charges65/66B€9k€5k▼
Recurring financial charges65€9k€5k▼
Profit (loss) for the period before taxes9903€12k€23k▲
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€8k€14k▲
Profit (loss) for the period to be appropriated9905€8k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€14k▲
Transfer to equity691/2€8k€14k▲
To the legal reserve6920€0-
To other reserves6921€8k€14k▲
The notes to these accounts (13 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €37k ▲25.5%
Operating result €58k, net result €37k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €224k ▲14.9%
3 profitable years in a row build equity to €224k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-2k ▼113%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Lanaken · 1 establishment unit since 1994
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.
Stationsstraat 503620 LanakenGround area
3,036 m²
Building footprint
2,748 m²
Volume, LiDAR
12,057 m³
Parcel 73042D0699/00M002, Flanders · tallest building 14.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GROUP J.M.C.
since 19942.067.695.946
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042D0699/00M002 | Flanders | 3,036 m² | 1 · 2,748 m² | 14.6 m · 1 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.
Similar companies · same sector, comparable size
NATUS
BE 0830.357.414
Holsbeek · Eq €283k
BOUWEXPERTS
BE 0871.997.237
Bree · Eq €284k
Fiema Construct
BE 0717.592.835
Lommel · Eq €283k
LMA INVEST
BE 0646.935.758
Mons · Eq €284k
ARYES INVEST
BE 0687.818.981
Villers-la-Ville · Eq €284k
Of 9,696 companies in sector 68121 we hold annual accounts for 7,378. 5,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-1994
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68310Real estate agency activities
68311Real estate activities
70111
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:immo@jongen.be