J-Me Packaging
ActiveJ-Me Packaging has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €12k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 9017 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
81
/ 100
Excellent▲ +49 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+70
Solvency36▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.62 in 2023), but 88% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
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
12%
Return on assets
1.7%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9017 sector peers (2024).
NBB · sector comparisonPosition among 9017 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
426 d late
2022
121 d late
2021
79 d late
2020
89 d late
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€83k▲ 16.3%
2023 · €71k
2018: €44k
2019: €17k
2020: €19k
2021: €66k
2022: €72k
2023: €71k
2018 → 2024
Total assets
€693k▼ 7.4%
2023 · €748k
2018: €168k
2019: €132k
2020: €614k
2021: €736k
2022: €409k
2023: €748k
2018 → 2024
Net result
€12k
2023 · €-440
2018: €-28k
2019: €-27k
2020: €3k
2021: €47k
2022: €6k
2023: €-440
2018 → 2024
Working capital
€281k▼ 2.0%
2023 · €287k
2018: €65k
2019: €41k
2020: €49k
2021: €293k
2022: €104k
2023: €287k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€66k▲ 240%€72k▲ 8.4%€71k▼ 0.6%€83k▲ 16.3%
Operating result€6k-€56k▲ 822%€23k▼ 58.2%€10k▼ 55.7%€27k▲ 163%
Net result€3k-€47k▲ 1,749%€6k▼ 88.1%€-440€12k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 163% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €693k
Fixed assets
€39k▲ 2,285%
Current assets
€654k▼ 12.4%
Equity and liabilities €693k
Equity
€83k▲ 16.3%
Debt
€610k▼ 9.9%
The debt ratio falls from 90.5% to 88.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▲
2023 · €12k
Cash flow
€24k▲
2023 · €868
Solvency
12.0%▲
2023 · 9.5%
Current ratio
1.75▲
2023 · 1.62
Quick ratio
1.67▲
2023 · 1.55
Debt / equity
7.35▼
2023 · 9.49
ROE
14.0%▲
2023 · -0.6%
ROA
1.7%▲
2023 · -0.1%
Interest coverage
4.20▲
2023 · 1.23
Debt
€610k▼
2023 · €677k
Debt ≤ 1 year
€373k▼
2023 · €459k
Debt > 1 year
€35k=
2023 · €35k
Income taxes
€6k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€748k€693k▼
Fixed assets21/28€2k€39k▲
Tangible fixed assets22/27€2k€39k▲
Furniture and vehicles24€2k€39k▲
Current assets29/58€746k€654k▼
Stocks and contracts in progress3€32k€32k=
Contracts in progress37€32k€32k=
Amounts receivable within one year40/41€431k€573k▲
Trade receivables40€431k€557k▲
Other amounts receivable41-€16k
Cash at bank and in hand54/58€282k€47k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€748k€693k▼
Equity10/15€71k€83k▲
Contributions10/11€6k€6k=
Reserves13€66k€66k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€64k€64k=
Profit (loss) carried forward14€-440€11k▲
Amounts payable17/49€677k€610k▼
Amounts payable after more than one year17€35k€35k=
Financial debts170/4€25k€25k=
Other amounts payable178/9€10k€10k=
Amounts payable within one year42/48€459k€373k▼
Current portion of amounts payable after more than one year42-€24k
Trade debts44€211k€112k▼
Suppliers440/4€211k€112k▼
Advances received on contracts in progress46€220k€220k=
Taxes, remuneration and social security45€24k€16k▼
Taxes450/3€21k€10k▼
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3€182k€202k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-12k€25k▲
Other operating charges640/8€10k€3k▼
Non-recurring operating charges66A€4k-
Gross operating margin9900€14k€67k▲
Operating profit (loss)9901€10k€27k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€3k€18k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€-440€12k▲
Profit (loss) for the period to be appropriated9905€-440€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-440€11k▲
Profit (loss) brought forward from the previous period14P-€-440
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 92 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 426 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
31-12
Financial
Highest result since 2018net €47k ▲1749%
Operating result €56k, net result €47k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lummen · 1 establishment unit since 2011
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.
Linkhoutstraat 253560 LummenGround area
123 m²
Building footprint
99 m²
Volume, LiDAR
802 m³
Parcel 71035B0586/00S000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J-Me Packaging
since 20112.194.968.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0586/00S000 | Flanders | 123 m² | 1 · 99 m² | 10.5 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.
Similar companies · same sector, comparable size
Magnis Group
BE 0644.548.271
Hasselt · Eq €83k
TEMPLAB
BE 0820.973.257
Trooz · Eq €83k
GTELECOM
BE 0828.995.454
Ukkel · Eq €83k
EVEREST CONSULTING M.R.
BE 0862.075.919
Antwerpen · Eq €83k
MASARYS
BE 0716.948.477
Mons · Eq €83k
Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2010
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
17120Manufacture of paper and paper products
42990Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.