J.M.C.
ActiveJ.M.C. has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €659k and a net result of €-82k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 78% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency90▼-10
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 3.54 in 2024), and 18.9% 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○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 →
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
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
81.1%
Return on assets
-10.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
7 d early
2023
on the day
2022
11 d late
2021
32 d early
2020
31 d early
2019
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€659k▼ 16.3%
2024 · €787k
2018: €3.76M
2019: €3.68M
2020: €3.61M
2021: €3.69M
2022: €3.69M
2023: €4.02M
2024: €787k
2018 → 2025
Total assets
€812k▼ 8.1%
2024 · €883k
2018: €4.34M
2019: €3.91M
2020: €3.86M
2021: €3.87M
2022: €3.84M
2023: €4.17M
2024: €883k
2018 → 2025
Net result
€-82k
2024 · €161k
2018: €3.26M
2019: €-84k
2020: €112k
2021: €81k
2022: €160k
2023: €327k
2024: €161k
2018 → 2025
Working capital
€77k▼ 44.6%
2024 · €139k
2018: €3.49M
2019: €3.22M
2020: €3.16M
2021: €3.21M
2022: €3.18M
2023: €3.40M
2024: €139k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.69M-€3.69M▲ 0.1%€4.02M▲ 8.9%€787k▼ 80.4%€659k▼ 16.3%
Operating result€151k-€219k▲ 45.1%€472k▲ 115%€221k▼ 53.2%€-62k
Net result€81k-€160k▲ 97.1%€327k▲ 105%€161k▼ 50.8%€-82k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €62k after €221k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €812k
Fixed assets
€596k▼ 13.7%
Current assets
€216k▲ 11.8%
Equity and liabilities €812k
Equity
€659k▼ 16.3%
Debt
€153k▲ 59.4%
The debt ratio rises from 10.9% to 18.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-20k▼
2024 · €269k
Cash flow
€-41k▼
2024 · €210k
Solvency
81.1%▼
2024 · 89.1%
Current ratio
1.55▼
2024 · 3.54
Quick ratio
1.55▼
2024 · 3.54
Debt / equity
0.23▲
2024 · 0.12
ROE
-12.5%▼
2024 · 20.5%
ROA
-10.1%▼
2024 · 18.3%
Interest coverage
-3.01▼
2024 · 29.35
Debt
€153k▲
2024 · €96k
Debt ≤ 1 year
€139k▲
2024 · €55k
Debt > 1 year
€10k▼
2024 · €40k
Income taxes
€19k▼
2024 · €81k
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€883k€812k▼
Fixed assets21/28€690k€596k▼
Tangible fixed assets22/27€689k€595k▼
Land and buildings22€319k€242k▼
Furniture and vehicles24€22k€16k▼
Other tangible fixed assets26€348k€337k▼
Financial fixed assets28€1k€1k=
Current assets29/58€193k€216k▲
Amounts receivable within one year40/41€72k€119k▲
Trade receivables40€15k€21k▲
Other amounts receivable41€57k€99k▲
Cash at bank and in hand54/58€71k€67k▼
Deferred charges and accrued income490/1€51k€30k▼
Equity and liabilities
Total equity and liabilities10/49€883k€812k▼
Equity10/15€787k€659k▼
Contributions10/11€12k€12k=
Reserves13€775k€729k▼
Distributable reserves133€775k€729k▼
Profit (loss) carried forward14-€-82k
Amounts payable17/49€96k€153k▲
Amounts payable after more than one year17€40k€10k▼
Financial debts170/4€40k€10k▼
Amounts payable within one year42/48€55k€139k▲
Current portion of amounts payable after more than one year42€32k€32k▼
Trade debts44€16k€23k▲
Suppliers440/4€16k€23k▲
Taxes, remuneration and social security45€5k€32k▲
Taxes450/3€5k€32k▲
Other amounts payable47/48€859€53k▲
Accrued charges and deferred income492/3€1k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€540€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€41k▼
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A-€7k
Gross operating margin9900€272k€-10k▼
Operating profit (loss)9901€221k€-62k▼
Financial income75/76B€30k€5k▼
Recurring financial income75€30k€5k▼
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€242k€-63k▼
Income taxes67/77€81k€19k▼
Profit (loss) for the period9904€161k€-82k▼
Profit (loss) for the period to be appropriated9905€161k€-82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€-82k▼
Profit (loss) brought forward from the previous period14P€-19k€0▲
Transfer from equity791/2€3.41M€46k▼
Transfer to equity691/2€160k€0▼
To other reserves6921€160k€0▼
Profit to be distributed694/7€3.40M€46k▼
Return on contributions (dividend)694€3.40M€46k▼
The notes to these accounts (14 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-84k ▼103%
Net result drops to €-84k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 8current ratio 82.70
Current ratio from 10.78 to 82.70; short-term debt falls from €357k to €39k.
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Edegem · 1 establishment unit since 2005
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.
Zwaluwenlei 272650 EdegemGround area
629 m²
Building footprint
119 m²
Volume, LiDAR
652 m³
Parcel 11472B0102/00S004, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.M.C.
since 20052.149.053.509
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0102/00S004 | Flanders | 629 m² | 1 · 119 m² | 9.6 m · 2 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 32,090 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2005
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.