J.J.M
ActiveJ.J.M has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €68k. Equity is growing by ~48.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency61▲+11
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.75 in 2024; short-term debt: 15.9% and cash: 3.2% of total assets), and 63.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
36.2%
Return on assets
11.9%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
13 d late
← 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 49.2%
2024 · €138k
2023: €73k
2024: €138k
2023 → 2025
Total assets
€569k▲ 3.9%
2024 · €548k
2023: €524k
2024: €548k
2023 → 2025
Net result
€68k▲ 3.7%
2024 · €65k
2023: €68k
2024: €65k
2023 → 2025
Working capital
€18k
2024 · €-25k
2023: €-72k
2024: €-25k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€73k-€138k▲ 90.2%€206k▲ 49.2%
Operating result€95k-€96k▲ 1.0%€97k▲ 1.2%
Net result€68k-€65k▼ 3.8%€68k▲ 3.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €569k
Fixed assets
€460k▼ 2.5%
Current assets
€109k▲ 43.9%
Equity and liabilities €569k
Equity
€206k▲ 49.2%
Debt
€363k▼ 11.3%
The debt ratio falls from 74.8% to 63.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€109k▲
2024 · €108k
Cash flow
€80k▲
2024 · €77k
Solvency
36.2%▲
2024 · 25.2%
Current ratio
1.20▲
2024 · 0.75
Quick ratio
1.20▲
2024 · 0.75
Debt / equity
1.76▼
2024 · 2.97
ROE
33.0%▼
2024 · 47.4%
ROA
11.9%▼
2024 · 12.0%
Interest coverage
7.87▲
2024 · 7.46
Debt
€363k▼
2024 · €410k
Debt ≤ 1 year
€91k▼
2024 · €101k
Debt > 1 year
€268k▼
2024 · €303k
Income taxes
€17k▲
2024 · €16k
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€548k€569k▲
Fixed assets21/28€472k€460k▼
Tangible fixed assets22/27€472k€460k▼
Land and buildings22€472k€460k▼
Current assets29/58€76k€109k▲
Amounts receivable within one year40/41€10k€10k▲
Trade receivables40€10k€10k▲
Current investments50/53-€80k
Cash at bank and in hand54/58€66k€18k▼
Deferred charges and accrued income490/1€201€502▲
Equity and liabilities
Total equity and liabilities10/49€548k€569k▲
Equity10/15€138k€206k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€133k€201k▲
Amounts payable17/49€410k€363k▼
Amounts payable after more than one year17€303k€268k▼
Financial debts170/4€303k€268k▼
Amounts payable within one year42/48€101k€91k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€963€996▲
Suppliers440/4€963€996▲
Taxes, remuneration and social security45€22k€22k▲
Taxes450/3€22k€22k▲
Other amounts payable47/48€44k€32k▼
Accrued charges and deferred income492/3€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€64€206▲
Gross operating margin9900€108k€109k▲
Operating profit (loss)9901€96k€97k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€14k€14k▼
Recurring financial charges65€14k€14k▼
Profit (loss) for the period before taxes9903€82k€85k▲
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€65k€68k▲
Profit (loss) for the period to be appropriated9905€65k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€201k▲
Profit (loss) brought forward from the previous period14P€68k€133k▲
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
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €200kEq €206k ▲49.2%
3 profitable years in a row build equity to €206k.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €65k ▼3.8%
Net result drops to €65k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €100kEq €138k ▲90.2%
2 profitable years in a row build equity to €138k.
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deinze · 1 establishment unit since 2022
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.
Leernsesteenweg 2649800 DeinzeGround area
1,750 m²
Building footprint
258 m²
Volume, LiDAR
2,018 m³
Parcel 44065A0242/00X000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J.J.M
since 20222.331.365.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44065A0242/00X000 | Flanders | 1,750 m² | 1 · 258 m² | 9.5 m · 3 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
JETA CONSULTING
BE 0783.893.919
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BYKA
BE 0460.956.074
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ASSO PROJECTS
BE 0555.935.902
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WALFIN ADVICE
BE 0672.673.224
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Egli Services
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.