Financials
- Financial year
- 2024
- Turnover
- €143,500
- Loss
- -€18,985
- Solvency
- 94.2%
Turnover▼ 14.8%
Net result
20182024
J.C.M.
ActiveSummary
J.C.M. has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €470,230 and a net result of -€18,985. Equity remains stable across the filed financial years (±0.8% per year). Its solvency ranks better than 95% of 1,713 sector peers (NACE 69, financial year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Other tax advisory services
NACE 69209
5th oldest company in Thuin, Professional and technical services sector1 site
Size
€143,500turnover 2024
- Equity
- €470,230
- Loss
- -€18,985
Structure
2025 accounts not filed, 85 days past the deadline1 deed in the Belgian Official Gazette
Why 55raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 07-10-2025)Liquidity: current ratio 14.29, cash €10,568lowers riskSector: Legal and accounting activities (NACE 69)Founded in 1989Show the evidence
Checked score
Score 2024
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 39% of its sector peers (NACE 69, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency
100=
equity 94.2% of total assets
Liquidity
53+2
short-term debt 5.8% · cash 2.1%
Profitability
59-10
return on assets -3.8%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%
12-2024: 0.4%● unchanged vs 11-2024
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.5%▲ +0.1 percentage points vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.4%▼ -0.1 percentage points vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.1 percentage points vs 07-2025
09-2025: 0.7%▲ +0.1 percentage points vs 08-2025
10-2025: 0.9%▲ +0.2 percentage points vs 09-2025highest value
11-2025: 0.2%▼ -0.7 percentage points vs 10-2025lowest value
12-2025: 0.2%● unchanged vs 11-2025lowest value
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.3%▲ +0.1 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.2%▼ -0.1 percentage points vs 04-2026
06-2026: 0.3%▲ +0.1 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.4%▲ +0.1 percentage points vs 08-2026
10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
Credit of up to €14,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 14.29, compared with 13.63 in 2023, above the usual 1.5; short-term debt: 5.8% and cash: 2.1% of total assets), and 5.8% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro): better than 87% on solvency, 35% on liquidity, 13% on profitability and 23% on growth.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 85 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline24-10-2026 today
raises risk · 2024 accounts filed 64 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-10-2025, 64 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
64 days late
2023
50 days late
2022
415 days late
2021
78 days late
2020
102 days late
2019
102 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 135 days after the deadline; the sector median (NACE 69) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · full…
- Weakest financial yearnet -€18,985
- Annual accounts filedfinancial year 2023 · micro…
Key points
By topic
Timeline
- Events
- 38
- Since
- 1990
- 18-09-2024Annual accounts filed
- 31-12-2022Back to profit
- 17-10-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other tax advisory servicesNACE 69209
- Founded
- 01-11-1989
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about J.C.M.
- What is the company number of J.C.M.?
- 0438.761.682. In Belgium the VAT number is the company number with BE in front: BE 0438.761.682.
- Where is J.C.M. based?
- The registered office is at Rue de Biesme(BST) 66, 6531 Thuin.Company details
- What does J.C.M. do?
- According to the KBO register, the main activity is other tax advisory services (NACE 69209).
- What is the legal form of J.C.M.?
- Private limited company (BV).
- When was J.C.M. founded?
- On 01-11-1989.
- Is J.C.M. still active?
- Yes, J.C.M. is an active enterprise in the KBO register.
- What is the turnover of J.C.M.?
- €143,500 in financial year 2024, according to the filed annual accounts.Financials
- Is J.C.M. profitable?
- In financial year 2024, J.C.M. made a loss of €18,985.
- Where can I find the annual accounts of J.C.M.?
- J.C.M. filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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