J.P.M.
ActiveJ.P.M. has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.68M and a net result of €1.20M. Equity is growing by ~43.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+29
Solvency63▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 3.17 against 0.64 in 2023; short-term debt: 11.1% and cash: 0.3% of total assets), but 62.1% 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○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 2024Solvency, return and age of the figures
Solvency
37.9%
Return on assets
27%
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 29-09-2025, 60 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
60 d late
2023
30 d late
2022
4 d late
2021
16 d early
2020
71 d early
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.68M▲ 128%
2023 · €736k
2018: €160k
2019: €252k
2020: €278k
2021: €694k
2022: €685k
2023: €736k
2018 → 2024
Total assets
€4.44M▲ 52.2%
2023 · €2.91M
2018: €706k
2019: €845k
2020: €810k
2021: €1.15M
2022: €1.49M
2023: €2.91M
2018 → 2024
Net result
€1.20M▲ 2,288%
2023 · €50k
2018: €30k
2019: €110k
2020: €43k
2021: €125k
2022: €-8k
2023: €50k
2018 → 2024
Working capital
€1.07M
2023 · €-754k
2018: €52k
2019: €147k
2020: €170k
2021: €311k
2022: €400k
2023: €-754k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€278k-€694k▲ 150%€685k▼ 1.2%€736k▲ 7.3%€1.68M▲ 128%
Operating result€52k-€73k▲ 38.3%€-5k€82k€1.57M▲ 1,810%
Net result€43k-€125k▲ 189%€-8k€50k€1.20M▲ 2,288%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 1,810% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.44M
Fixed assets
€2.87M▲ 80.8%
Current assets
€1.57M▲ 18.0%
Equity and liabilities €4.44M
Equity
€1.68M▲ 128%
Provisions
€261k
Debt
€2.50M▲ 14.5%
The debt ratio falls from 74.8% to 56.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.57M▲
2023 · €118k
Cash flow
€1.20M▲
2023 · €86k
Solvency
37.9%▲
2023 · 25.2%
Current ratio
3.17▲
2023 · 0.64
Quick ratio
3.17▲
2023 · 0.64
Debt / equity
1.48▼
2023 · 2.96
ROE
71.3%▲
2023 · 6.8%
ROA
27.0%▲
2023 · 1.7%
Interest coverage
21.34▲
2023 · 8.10
Debt
€2.50M▲
2023 · €2.18M
Debt ≤ 1 year
€494k▼
2023 · €2.08M
Debt > 1 year
€2.00M▲
2023 · €97k
Income taxes
€60k▲
2023 · €36k
Staff costs
€182
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€2.91M€4.44M▲
Fixed assets21/28€1.59M€2.87M▲
Tangible fixed assets22/27€1.42M€2.70M▲
Land and buildings22€1.42M€2.69M▲
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26-€8k
Financial fixed assets28€165k€167k▲
Current assets29/58€1.33M€1.57M▲
Amounts receivable after more than one year29€895k€1.01M▲
Other amounts receivable291€895k€1.01M▲
Amounts receivable within one year40/41€291k€404k▲
Trade receivables40€78k€242k▲
Other amounts receivable41€213k€162k▼
Cash at bank and in hand54/58€1k€12k▲
Deferred charges and accrued income490/1€140k€139k▼
Equity and liabilities
Total equity and liabilities10/49€2.91M€4.44M▲
Equity10/15€736k€1.68M▲
Contributions10/11€46k€46k=
Reserves13€687k€1.63M▲
Tax-exempt reserves132€10k€792k▲
Distributable reserves133€677k€843k▲
Profit (loss) carried forward14€3k€0▼
Provisions and deferred taxes16-€261k
Deferred taxes168-€261k
Amounts payable17/49€2.18M€2.50M▲
Amounts payable after more than one year17€97k€2.00M▲
Financial debts170/4€97k€2.00M▲
Amounts payable within one year42/48€2.08M€494k▼
Current portion of amounts payable after more than one year42€39k€124k▲
Financial debts43€17k€27k▲
Credit institutions430/8€17k€27k▲
Trade debts44€1.45M€82k▼
Suppliers440/4€1.45M€82k▼
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€26k€64k▲
Taxes450/3€26k€64k▲
Other amounts payable47/48€549k€193k▼
Income statement
Code20232024
Non-recurring operating income76A-€312k
Remuneration, social security and pensions62-€182
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€455▼
Other operating charges640/8€13k€4k▼
Gross operating margin9900€131k€1.57M▲
Operating profit (loss)9901€82k€1.57M▲
Financial income75/76B€18k€24k▲
Recurring financial income75€18k€24k▲
Financial charges65/66B€15k€74k▲
Recurring financial charges65€15k€74k▲
Profit (loss) for the period before taxes9903€86k€1.52M▲
Transfer to deferred taxes680-€261k
Income taxes67/77€36k€60k▲
Profit (loss) for the period9904€50k€1.20M▲
Transfer to tax-exempt reserves689-€782k
Profit (loss) for the period to be appropriated9905€50k€417k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€420k▲
Profit (loss) brought forward from the previous period14P€186€3k▲
Transfer from equity791/2€0-
Transfer to equity691/2€48k€420k▲
To other reserves6921€48k€420k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (27 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
31-12
Financial
Highest result since 2018net €1.20M ▲2288%
Operating result €1.57M, net result €1.20M, both a record.
31-12
Financial
Liquidity times 5current ratio 3.17
Current ratio from 0.64 to 3.17; short-term debt falls from €2.08M to €494k.
31-12
Financial
Equity above €1MEq €1.68M ▲128%
2 profitable years in a row build equity to €1.68M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼107%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €694k ▲150%
4 profitable years in a row build equity to €694k.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €252k ▲57.4%
2 profitable years in a row build equity to €252k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Schoten · 1 establishment unit since 2001
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.
Sluizenstraat 552900 SchotenGround area
1.1 ha
Building footprint
2,295 m²
Parcel 11040D0465/00V000, Flanders. Linked by address, not a title deed.
1 establishment unit
Sluizenstraat 55, 2900 Schoten
since 20012.116.653.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0465/00V000 | Flanders | 1.1 ha | 1 · 2,295 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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ESCONDIDA
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LINTACKER CONSULTING
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M.P.C.A. International
BE 0732.779.075
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Adviesbureau DIRCO
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 22,147 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2001
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68310Real estate agency activities
68311Real estate activities
70311
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.