J.M.S. INVEST
ActiveSummary
J.M.S. INVEST has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €202k and a net result of €-295. Equity remains stable across the filed fiscal years (±0.2% per year). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37=
Solvency92=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2023; short-term debt: 32.8% and cash: 0% of total assets), and 32.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
67.2%
Return on assets
-0.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
7 d early
2022
24 d late
2021
29 d late
2020
25 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-295▼ 28.5%
2023 · €-229
2018: €49k
2019: €42k
2020: €-1k
2021: €-655
2022: €-641
2023: €-229
2018 → 2024
Working capital
€-98k▼ 0.3%
2023 · €-98k
2018: €-137k
2019: €-95k
2020: €-97k
2021: €-97k
2022: €-98k
2023: €-98k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€203k-€203k▼ 0.3%€202k▼ 0.3%€202k▼ 0.1%€202k▼ 0.1%
Operating result€-1k-€-421▲ 70.4%€-423▼ 0.7%
Net result€-1k-€-655▲ 54.4%€-641▲ 2.1%€-229▲ 64.2%€-295▼ 28.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €423 in 2022 against €421 in 2021; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €300k
Fixed assets
€300k =
Current assets
€20 ▼ 93.6%
Equity and liabilities €300k
Equity
€202k ▼ 0.1%
Debt
€98k =
Debt's share of the balance-sheet total stays at 32.8%.
Key figures and ratios
Current ratio
0.00▼
2023 · 0.00
Debt to equity
0.49▲
2023 · 0.49
ROE
-0.1%▼
2023 · -0.1%
ROA
-0.1%▼
2023 · -0.1%
Debt ≤ 1 year
€98k=
2023 · €98k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 23 lines
Balance sheet
Code20232024
Assets
Total assets20/58€300k€300k▼
Fixed assets21/28€300k€300k=
Financial fixed assets28€300k€300k=
Current assets29/58€315€20▼
Cash at bank and in hand54/58€315€20▼
Equity and liabilities
Total equity and liabilities10/49€300k€300k▼
Equity10/15€202k€202k▼
Contributions10/11€119k€119k=
Reserves13€20k€20k=
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Tax-exempt reserves132€8k€8k=
Profit (loss) carried forward14€63k€63k▼
Amounts payable17/49€98k€98k=
Amounts payable within one year42/48€98k€98k=
Other amounts payable47/48€98k€98k=
Income statement
Code20232024
Financial charges65/66B€229€295▲
Recurring financial charges65€229€295▲
Profit (loss) for the period before taxes9903€-229€-295▼
Profit (loss) for the period9904€-229€-295▼
Profit (loss) for the period to be appropriated9905€-229€-295▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€63k▼
Profit (loss) brought forward from the previous period14P€64k€63k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼103%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Equity above €200kEq €205k ▲25.7%
2 profitable years in a row build equity to €205k.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Seraing · 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 Biefnot 24100 SeraingGround area
7,135 m²
Building footprint
2,274 m²
Volume, LiDAR
10,602 m³
Parcel 62353D0892/00K002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.K. INVESTsprl
since 20032.133.043.460
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0892/00K002 | Wallonia | 7,135 m² | 1 · 2,274 m² | 7.4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-05-2003
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:04/3373837