J.M.B.
ActiveJ.M.B. has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €299k and a net result of €56k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-11
Solvency72▲+6
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 0.99 in 2024; short-term debt: 49.4% and cash: 26.5% of total assets), and 53.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
46.7%
Return on assets
8.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €299k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
10 d early
2023
16 d late
2022
30 d late
2021
3 d early
2020
31 d late
2019
91 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€56k▼ 47.9%
2024 · €108k
2018: €-8k
2019: €-89k
2020: €20k
2021: €13k
2022: €-106k
2023: €-67k
2024: €108k
2018 → 2025
Working capital
€89k
2024 · €-2k
2018: €-109k
2019: €-55k
2020: €-20k
2021: €88k
2022: €-17k
2023: €-78k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€306k-€197k▼ 35.6%€147k▼ 25.6%€249k▲ 69.3%€299k▲ 20.2%
Operating result€28k-€-104k€-58k▲ 44.1%€137k€89k▼ 34.8%
Net result€13k-€-106k€-67k▲ 36.2%€108k€56k▼ 47.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €640k
Fixed assets
€235k▼ 20.9%
Current assets
€406k▲ 33.7%
Equity and liabilities €640k
Equity
€299k▲ 20.2%
Debt
€341k▼ 2.9%
The debt ratio falls from 58.6% to 53.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€165k▼
2024 · €210k
Cash flow
€132k▼
2024 · €181k
Solvency
46.7%▲
2024 · 41.4%
Current ratio
1.28▲
2024 · 0.99
Quick ratio
1.25▲
2024 · 0.96
Debt / equity
1.14▼
2024 · 1.41
ROE
18.8%▼
2024 · 43.3%
ROA
8.8%▼
2024 · 18.0%
Interest coverage
9.55▼
2024 · 13.07
Debt
€341k▼
2024 · €352k
Debt ≤ 1 year
€316k▲
2024 · €306k
Debt > 1 year
€25k▼
2024 · €45k
Income taxes
€26k▲
2024 · €22k
Staff costs
€649k▲
2024 · €616k
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€600k€640k▲
Fixed assets21/28€297k€235k▼
Tangible fixed assets22/27€297k€235k▼
Land and buildings22€145k€107k▼
Plant, machinery and equipment23€138k€121k▼
Furniture and vehicles24€14k€7k▼
Current assets29/58€303k€406k▲
Stocks and contracts in progress3€10k€10k=
Stocks30/36€10k€10k=
Amounts receivable within one year40/41€203k€205k▲
Trade receivables40€14k€0▼
Other amounts receivable41€189k€205k▲
Cash at bank and in hand54/58€71k€170k▲
Deferred charges and accrued income490/1€20k€22k▲
Equity and liabilities
Total equity and liabilities10/49€600k€640k▲
Equity10/15€249k€299k▲
Contributions10/11€229k€229k=
Capital10€229k€229k=
Issued capital100€229k€229k=
Revaluation surpluses12€550k€550k=
Reserves13€74k€74k=
Non-distributable reserves130/1€23k€23k=
Legal reserve130€23k€23k=
Tax-exempt reserves132€51k€51k=
Profit (loss) carried forward14€-638k€-581k▲
Investment grants15€33k€27k▼
Amounts payable17/49€352k€341k▼
Amounts payable after more than one year17€45k€25k▼
Financial debts170/4€45k€25k▼
Amounts payable within one year42/48€306k€316k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€115k€129k▲
Suppliers440/4€115k€129k▲
Taxes, remuneration and social security45€48k€62k▲
Taxes450/3€10k€17k▲
Remuneration and social security454/9€38k€45k▲
Other amounts payable47/48€121k€104k▼
Accrued charges and deferred income492/3€489€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€616k€649k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€76k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€834k€822k▼
Operating profit (loss)9901€137k€89k▼
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€130k€82k▼
Income taxes67/77€22k€26k▲
Profit (loss) for the period9904€108k€56k▼
Profit (loss) for the period to be appropriated9905€108k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-638k€-581k▲
Profit (loss) brought forward from the previous period14P€-745k€-638k▲
Social balance
Average headcount (FTE)908717.817.4▼
The notes to these accounts (17 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €108k
Net result €108k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €249k ▲69.3%
Equity rises from €147k to €249k.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 16 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-106k ▼925%
Net result drops to €-106k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Etterbeek · 1 establishment unit since 1988
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.
Tongerenstraat 671040 EtterbeekGround area
176 m²
Building footprint
143 m²
Volume, LiDAR
1,292 m³
Parcel 21005A0574/00L003, Brussels · tallest building 18.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J.M.B. NV
since 19882.038.514.683
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0574/00L003 | Brussels | 176 m² | 1 · 143 m² | 18.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEtterbeek2.038.514.683
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 1,212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-01-1988
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
10130Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 38 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.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Divers. (AOPC-1-9-01629/14.05)