J.M.C.
ActiveJ.M.C. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.65M and a net result of €255k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 85% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 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
Profitability84=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 4.78 against 3.9 in 2024; short-term debt: 16.3% and cash: 41.1% of total assets), and 19.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
80.9%
Return on assets
12.5%
Age of the figures
9 mo
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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
57 d early
2023
27 d early
2022
5 d early
2021
59 d early
2020
37 d early
2019
16 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€255k▲ 5.7%
2024 · €241k
2018: €57k
2019: €52k
2020: €56k
2021: €196k
2022: €356k
2023: €219k
2024: €241k
2018 → 2025
Working capital
€1.25M▲ 15.7%
2024 · €1.08M
2018: €-336k
2019: €-165k
2020: €-131k
2021: €38k
2022: €790k
2023: €868k
2024: €1.08M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€822k-€1.18M▲ 43.2%€1.26M▲ 7.2%€1.44M▲ 14.5%€1.65M▲ 14.0%
Operating result€87k-€288k▲ 230%€321k▲ 11.4%€344k▲ 7.0%€378k▲ 10.1%
Net result€196k-€356k▲ 81.8%€219k▼ 38.5%€241k▲ 10.1%€255k▲ 5.7%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.04M
Fixed assets
€453k▼ 1.8%
Current assets
€1.58M▲ 8.8%
Equity and liabilities €2.04M
Equity
€1.65M▲ 14.0%
Debt
€388k▼ 17.5%
The debt ratio falls from 24.6% to 19.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€439k▼
2024 · €472k
Cash flow
€315k▼
2024 · €369k
Solvency
80.9%▲
2024 · 75.4%
Current ratio
4.78▲
2024 · 3.90
Quick ratio
4.14▲
2024 · 3.37
Debt / equity
0.24▼
2024 · 0.33
ROE
15.5%▼
2024 · 16.7%
ROA
12.5%▼
2024 · 12.6%
Interest coverage
94.93▲
2024 · 30.80
Debt
€388k▼
2024 · €471k
Debt ≤ 1 year
€331k▼
2024 · €373k
Debt > 1 year
€57k▼
2024 · €86k
Income taxes
€121k▲
2024 · €96k
Staff costs
€221k▲
2024 · €181k
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€1.92M€2.04M▲
Fixed assets21/28€462k€453k▼
Tangible fixed assets22/27€461k€453k▼
Land and buildings22€296k€287k▼
Plant, machinery and equipment23€128k€135k▲
Furniture and vehicles24€37k€31k▼
Financial fixed assets28€77€77=
Current assets29/58€1.45M€1.58M▲
Stocks and contracts in progress3€199k€211k▲
Stocks30/36€199k€211k▲
Amounts receivable within one year40/41€138k€166k▲
Trade receivables40€138k€166k▲
Current investments50/53€260k€364k▲
Cash at bank and in hand54/58€851k€838k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.92M€2.04M▲
Equity10/15€1.44M€1.65M▲
Contributions10/11€13k€13k=
Reserves13€1.10M€1.30M▲
Tax-exempt reserves132€235k€185k▼
Distributable reserves133€866k€1.12M▲
Profit (loss) carried forward14€331k€332k▲
Amounts payable17/49€471k€388k▼
Amounts payable after more than one year17€86k€57k▼
Financial debts170/4€86k€57k▼
Amounts payable within one year42/48€373k€331k▼
Current portion of amounts payable after more than one year42€51k€29k▼
Trade debts44€79k€73k▼
Suppliers440/4€79k€73k▼
Taxes, remuneration and social security45€71k€82k▲
Taxes450/3€46k€56k▲
Remuneration and social security454/9€25k€26k▲
Other amounts payable47/48€172k€147k▼
Accrued charges and deferred income492/3€12k-
Income statement
Code20242025
Remuneration, social security and pensions62€181k€221k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€128k€61k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A€659-
Gross operating margin9900€658k€665k▲
Operating profit (loss)9901€344k€378k▲
Financial income75/76B€8k€2k▼
Recurring financial income75€8k€2k▼
Financial charges65/66B€15k€5k▼
Recurring financial charges65€15k€5k▼
Profit (loss) for the period before taxes9903€337k€376k▲
Income taxes67/77€96k€121k▲
Profit (loss) for the period9904€241k€255k▲
Transfer from tax-exempt reserves789€55k€114k▲
Transfer to tax-exempt reserves689€73k€63k▼
Profit (loss) for the period to be appropriated9905€223k€305k▲
Appropriation of the result
Profit (loss) to be appropriated9906€493k€636k▲
Profit (loss) brought forward from the previous period14P€270k€331k▲
Transfer from equity791/2€57k€51k▼
Transfer to equity691/2€161k€304k▲
To other reserves6921€161k€304k▲
Profit to be distributed694/7€58k€52k▼
Return on contributions (dividend)694€58k€52k▼
Social balance
Average headcount (FTE)90873.73.9▲
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €356k ▲81.8%
Net result €356k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 5.04
Current ratio from 1.52 to 5.04.
31-12
Financial
Equity above €1MEq €1.18M ▲43.2%
5 profitable years in a row build equity to €1.18M.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 1.52
Current ratio from 0.37 to 1.52; short-term debt falls from €209k to €73k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €52k ▼9.1%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
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
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, Remicourt · 1 establishment unit since 2003
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 du Village(REM) 24350 RemicourtGround area
1,488 m²
Building footprint
194 m²
Parcel 64063A0407/00S004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Village(REM) 2, 4350 Remicourt
since 20032.126.880.297
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64063A0407/00S004 | Wallonia | 1,488 m² | 1 · 194 m² | - |
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
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CANICHA
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BARIOM IMMO
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FURNITURE OFFICES
BE 0750.828.401
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,841 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2003
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.