J.M @ INFO
ActiveJ.M @ INFO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €54k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency51▼-1
Growth36▼-17
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.37 in 2024; short-term debt: 74.1% and cash: 22.1% of total assets), and 74.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
25.9%
Return on assets
109.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 16942 sector peers (2025).
NBB · sector comparisonPosition among 16942 sector peers
Solvency
better than 25%
← weakest
strongest →
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 09-03-2026, 144 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
144 d early
2024
162 d early
2023
131 d early
2022
62 d early
2021
37 d early
2020
27 d early
2019
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€186k▲ 2.9%
2020 · €181k
2020: €181k
2020 → 2021
EBIT margin
52.4%▼ 11.1pp
2020 · 63.4%
2020: 63.4%
2020 → 2021
Net result
€54k▼ 8.8%
2024 · €60k
2018: €57k
2019: €64k
2020: €90k
2021: €77k
2022: €45k
2023: €66k
2024: €60k
2018 → 2025
Working capital
€13k=
2024 · €13k
2018: €230k
2019: €177k
2020: €176k
2021: €6k
2022: €13k
2023: €13k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€186k-
Equity€13k-€13k=€13k=€13k=€13k=
Operating result€97k-€57k▼ 41.3%€82k▲ 44.3%€75k▼ 9.6%€69k▼ 8.1%
Net result€77k-€45k▼ 41.2%€66k▲ 45.9%€60k▼ 9.5%€54k▼ 8.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €50k
Equity
€13k=
Debt
€37k▲ 6.2%
The debt ratio rises from 72.9% to 74.1%. Debt is higher.
Key figures and ratios
Solvency
25.9%▼
2024 · 27.1%
Current ratio
1.35▼
2024 · 1.37
Quick ratio
1.35▼
2024 · 1.37
Debt / equity
2.86▲
2024 · 2.69
ROE
421.8%▼
2024 · 462.5%
ROA
109.2%▼
2024 · 125.2%
Debt
€37k▲
2024 · €35k
Debt ≤ 1 year
€37k▲
2024 · €35k
Income taxes
€14k▼
2024 · €15k
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€48k€50k▲
Formation expenses20€0€0=
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€48k€50k▲
Amounts receivable within one year40/41€28k€37k▲
Trade receivables40€21k€23k▲
Other amounts receivable41€7k€15k▲
Cash at bank and in hand54/58€18k€11k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€48k€50k▲
Equity10/15€13k€13k=
Contributions10/11€8k€8k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Amounts payable17/49€35k€37k▲
Amounts payable within one year42/48€35k€37k▲
Trade debts44€443€666▲
Suppliers440/4€443€666▲
Taxes, remuneration and social security45€15k€20k▲
Taxes450/3€15k€20k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€20k€16k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€70k€73k▲
Other operating charges640/8€424€643▲
Gross operating margin9900€75k€69k▼
Operating profit (loss)9901€75k€69k▼
Financial income75/76B€149€170▲
Recurring financial income75€149€170▲
Financial charges65/66B€169€39▼
Recurring financial charges65€169€39▼
Profit (loss) for the period before taxes9903€75k€69k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€60k€54k▼
Profit (loss) for the period to be appropriated9905€60k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€54k▼
Profit to be distributed694/7€60k€54k▼
Return on contributions (dividend)694€60k€54k▼
The notes to these accounts (6 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €45k ▼41.2%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €90k ▲40.5%
Operating result €115k, net result €90k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
20-06
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
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, Esneux · 1 establishment unit since 2004
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.
Avenue Laboulle 404130 EsneuxGround area
132 m²
Building footprint
69 m²
Volume, LiDAR
491 m³
Parcel 62101D0111/00F002, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.M.@INFO
since 20042.135.391.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101D0111/00F002 | Wallonia | 132 m² | 1 · 68 m² | 9.1 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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Amend it
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 10,903 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2004
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.