IMMO A.J.M.
ActiveIMMO A.J.M. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €296k and a net result of €14k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 46% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability24▲+24
Solvency40▲+7
Growth62▲+16
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.9 in 2023), and 73.2% 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+raises 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-07-2025, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d early
2023
76 d early
2022
on the day
2021
33 d early
2020
31 d late
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€106k▼ 0.4%
2018 · €107k
2018: €107k
2018 → 2019
EBIT margin
39.0%▲ 11.3pp
2018 · 27.7%
2018: 27.7%
2018 → 2019
Net result
€14k
2023 · €-12k
2018: €8k
2019: €21k
2020: €14k
2021: €-5k
2022: €26k
2023: €-12k
2018 → 2024
Working capital
€-4k▲ 55.5%
2023 · €-8k
2018: €-36k
2019: €-45k
2020: €-57k
2021: €235k
2022: €81k
2023: €-8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€282k-€277k▼ 1.9%€294k▲ 6.0%€282k▼ 3.9%€296k▲ 5.1%
Operating result€33k-€37k▲ 9.9%€45k▲ 22.2%€21k▼ 52.5%€42k▲ 95.3%
Net result€14k-€-5k€26k€-12k€14k
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 2024; 2024 is 95% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.11M
Fixed assets
€1.05M▼ 4.3%
Current assets
€59k▼ 18.7%
Equity and liabilities €1.11M
Equity
€296k▲ 5.1%
Provisions
€18k▼ 6.1%
Debt
€794k▼ 8.5%
The debt ratio falls from 74.2% to 71.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€92k▲
2023 · €70k
Cash flow
€65k▲
2023 · €37k
Solvency
26.8%▲
2023 · 24.1%
Current ratio
0.94▲
2023 · 0.90
Quick ratio
0.94▲
2023 · 0.90
Debt / equity
2.68▼
2023 · 3.07
ROE
4.9%▲
2023 · -4.1%
ROA
1.3%▲
2023 · -1.0%
Interest coverage
3.51▲
2023 · 2.14
Debt
€794k▼
2023 · €867k
Debt ≤ 1 year
€62k▼
2023 · €80k
Debt > 1 year
€731k▼
2023 · €786k
Income taxes
€3k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.17M€1.11M▼
Fixed assets21/28€1.10M€1.05M▼
Tangible fixed assets22/27€1.10M€1.05M▼
Land and buildings22€1.09M€1.05M▼
Plant, machinery and equipment23€6k€4k▼
Current assets29/58€72k€59k▼
Amounts receivable within one year40/41€6k€2k▼
Trade receivables40€436€425▼
Other amounts receivable41€5k€2k▼
Current investments50/53-€40k
Cash at bank and in hand54/58€62k€13k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.11M▼
Equity10/15€282k€296k▲
Contributions10/11€162k€162k=
Capital10€162k€162k=
Issued capital100€162k€162k=
Reserves13€85k€96k▲
Non-distributable reserves130/1€4k€7k▲
Legal reserve130€4k€7k▲
Tax-exempt reserves132€58k€56k▼
Distributable reserves133€23k€33k▲
Profit (loss) carried forward14€35k€39k▲
Provisions and deferred taxes16€19k€18k▼
Deferred taxes168€19k€18k▼
Amounts payable17/49€867k€794k▼
Amounts payable after more than one year17€786k€731k▼
Financial debts170/4€702k€731k▲
Other amounts payable178/9€84k-
Amounts payable within one year42/48€80k€62k▼
Current portion of amounts payable after more than one year42€30k€41k▲
Financial debts43€731-
Credit institutions430/8€731-
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Remuneration and social security454/9€300-
Other amounts payable47/48€33k€1k▼
Accrued charges and deferred income492/3€986€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€50k▲
Other operating charges640/8€15k€12k▼
Non-recurring operating charges66A€57-
Gross operating margin9900€85k€104k▲
Operating profit (loss)9901€21k€42k▲
Financial income75/76B€1€394▲
Recurring financial income75€1€295▲
Non-recurring financial income76B-€99
Financial charges65/66B€33k€26k▼
Recurring financial charges65€33k€26k▼
Profit (loss) for the period before taxes9903€-11k€16k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-12k€14k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-9k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€52k▲
Profit (loss) brought forward from the previous period14P€44k€35k▼
Transfer to equity691/2-€13k
To the legal reserve6920-€3k
To other reserves6921-€10k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k ▼144%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 18current ratio 3.34
Current ratio from 0.19 to 3.34.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Charleroi
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.
Avenue de Philippeville 2846001 CharleroiGround area
8,419 m²
Building footprint
2,024 m²
Volume, LiDAR
8,764 m³
Parcel 52045A0558/00X002, Wallonia · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0558/00X002 | Wallonia | 8,419 m² | 1 · 2,024 m² | 10.6 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.
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IMMO JFRC
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WOONQUALITY
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Of 7,288 companies in sector 68110 we hold annual accounts for 5,354. 3,837 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-01-2002
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sa.immo.ajm@outlook.be