J D M
ActiveJ D M has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €-112k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 3169 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
20
/ 100
Critical▼ -49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-31
Solvency18▼-9
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 1.16 in 2024), and 84.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.9%
Return on assets
-12.9%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 38
Relative position
BE, all sectors
reference
Sector 38
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 3169 sector peers (2025).
NBB · sector comparisonPosition among 3169 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
24 d early
2023
47 d early
2022
on the day
2021
2 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-112k
2024 · €15k
2019: €64k
2020: €61k
2021: €122k
2022: €185k
2023: €13k
2024: €15k
2019 → 2025
Working capital
€-83k
2024 · €151k
2019: €129k
2020: €183k
2021: €310k
2022: €177k
2023: €266k
2024: €151k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€323k-€219k▼ 32.4%€232k▲ 6.1%€251k▲ 8.1%€138k▼ 44.8%
Operating result€163k-€252k▲ 54.5%€20k▼ 92.2%€36k▲ 85.8%€-98k
Net result€122k-€185k▲ 51.3%€13k▼ 92.8%€15k▲ 15.1%€-112k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €98k after €36k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €868k
Fixed assets
€463k▲ 55.5%
Current assets
€405k▼ 62.2%
Equity and liabilities €868k
Equity
€138k▼ 44.8%
Debt
€730k▼ 34.8%
The debt ratio rises from 81.7% to 84.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€26k▼
2024 · €115k
Cash flow
€11k▼
2024 · €94k
Solvency
15.9%▼
2024 · 18.3%
Current ratio
0.83▼
2024 · 1.16
Quick ratio
0.83▼
2024 · 1.16
Debt / equity
5.28▲
2024 · 4.47
ROE
-81.2%▼
2024 · 6.1%
ROA
-12.9%▼
2024 · 1.1%
Interest coverage
1.51▼
2024 · 8.97
Debt
€730k▼
2024 · €1.12M
Debt ≤ 1 year
€488k▼
2024 · €922k
Debt > 1 year
€241k▲
2024 · €198k
Staff costs
€226k▼
2024 · €274k
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€1.37M€868k▼
Fixed assets21/28€298k€463k▲
Tangible fixed assets22/27€298k€463k▲
Furniture and vehicles24€298k€463k▲
Financial fixed assets28€120€120=
Current assets29/58€1.07M€405k▼
Amounts receivable within one year40/41€1.06M€362k▼
Trade receivables40€1.02M€314k▼
Other amounts receivable41€36k€48k▲
Cash at bank and in hand54/58€2k€34k▲
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.37M€868k▼
Equity10/15€251k€138k▼
Contributions10/11€8k€8k=
Reserves13€214k€214k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€192k€192k=
Profit (loss) carried forward14€29k€-84k▼
Amounts payable17/49€1.12M€730k▼
Amounts payable after more than one year17€198k€241k▲
Financial debts170/4€198k€241k▲
Amounts payable within one year42/48€922k€488k▼
Current portion of amounts payable after more than one year42€138k€183k▲
Trade debts44€738k€269k▼
Suppliers440/4€738k€269k▼
Taxes, remuneration and social security45€46k€37k▼
Taxes450/3€25k€36k▲
Remuneration and social security454/9€20k€809▼
Accrued charges and deferred income492/3-€100
Income statement
Code20242025
Remuneration, social security and pensions62€274k€226k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€124k▲
Other operating charges640/8€11k€17k▲
Gross operating margin9900€400k€268k▼
Operating profit (loss)9901€36k€-98k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€13k€17k▲
Recurring financial charges65€13k€17k▲
Profit (loss) for the period before taxes9903€27k€-112k▼
Income taxes67/77€12k-
Profit (loss) for the period9904€15k€-112k▼
Profit (loss) for the period to be appropriated9905€15k€-112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€-84k▼
Profit (loss) brought forward from the previous period14P€13k€29k▲
Social balance
Average headcount (FTE)90875.84.8▼
The notes to these accounts (8 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Weakest financial yearnet €-112k ▼830%
Net result drops to €-112k, the lowest in the series.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €185k ▲51.3%
Operating result €252k, net result €185k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €201k ▲44.1%
2 profitable years in a row build equity to €201k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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
6 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, Rochefort · 1 establishment unit since 2000
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 Hautmont, Laloux 135580 RochefortGround area
3.6 ha
Building footprint
5,403 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Galets 3, 5580 Rochefort
since 20002.103.212.101
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91114D0004/00F002 | Wallonia | 3.4 ha | 1 · 5,243 m² | - |
| 91095C0087/00B000 | Wallonia | 1,752 m² | 1 · 159 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MEC
BE 0795.341.008
Lierneux · Eq €140k
AUTRE TERRE
BE 0423.588.904
Herstal · Eq €142k
MCR
BE 0463.135.309
Schelle · Eq €130k
TranscoRol
BE 0639.751.523
Genk · Eq €129k
ASPA
BE 0432.916.938
Genk · Eq €128k
Of 389 companies in sector 38110 we hold annual accounts for 200. 127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-1999
Fiscal year end30-06
Activities, NACEBEL
38110Waste collection, recovery and disposal activities
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
74151
80424
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.