J.Y.M.
ActiveJ.Y.M. has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €6k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 1511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+20
Solvency84▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 2.18 in 2024; short-term debt: 39.8% and cash: 37.7% of total assets), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-10-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
on the day
2023
8 d early
2022
2 d early
2020
1 d early
2019
1 d early
2018
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 9.4%
2024 · €64k
2019: €13k
2020: €8k
2022: €52k
2023: €63k
2024: €64k
2019 → 2025
Total assets
€119k▲ 1.7%
2024 · €117k
2019: €95k
2020: €109k
2022: €120k
2023: €109k
2024: €117k
2019 → 2025
Net result
€6k▲ 576%
2024 · €882
2019: €-10k
2020: €-5k
2022: €15k
2023: €11k
2024: €882
2019 → 2025
Working capital
€64k▲ 12.0%
2024 · €57k
2019: €13k
2020: €13k
2022: €59k
2023: €60k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€8k-€52k▲ 517%€63k▲ 21.5%€64k▲ 1.4%€70k▲ 9.4%
Operating result€-271-€21k€15k▼ 27.2%€4k▼ 73.3%€10k▲ 150%
Net result€-5k-€15k€11k▼ 27.8%€882▼ 92.1%€6k▲ 576%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 150% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€7k▼ 31.3%
Current assets
€111k▲ 4.9%
Equity and liabilities €119k
Equity
€70k▲ 9.4%
Debt
€49k▼ 7.5%
The debt ratio falls from 45.4% to 41.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €6k
Cash flow
€9k▲
2024 · €3k
Solvency
58.7%▲
2024 · 54.6%
Current ratio
2.36▲
2024 · 2.18
Quick ratio
1.43▲
2024 · 1.28
Debt / equity
0.70▼
2024 · 0.83
ROE
8.6%▲
2024 · 1.4%
ROA
5.0%▲
2024 · 0.8%
Interest coverage
3.70▲
2024 · 1.92
Debt
€49k▼
2024 · €53k
Debt ≤ 1 year
€47k▼
2024 · €49k
Debt > 1 year
€2k▼
2024 · €4k
Income taxes
€590▲
2024 · €88
Staff costs
€26k▲
2024 · €20k
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€117k€119k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€106k€111k▲
Stocks and contracts in progress3€44k€44k▼
Stocks30/36€44k€44k▼
Amounts receivable within one year40/41€12k€18k▲
Trade receivables40€10k€18k▲
Other amounts receivable41€1k€20▼
Cash at bank and in hand54/58€44k€45k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€117k€119k▲
Equity10/15€64k€70k▲
Contributions10/11€12k€12k=
Reserves13€29k€35k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€26k€32k▲
Profit (loss) carried forward14€22k€22k▲
Amounts payable17/49€53k€49k▼
Amounts payable after more than one year17€4k€2k▼
Financial debts170/4€4k€2k▼
Amounts payable within one year42/48€49k€47k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€30k€26k▼
Suppliers440/4€30k€26k▼
Advances received on contracts in progress46€381€3k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€6k€5k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€8k€7k▼
Accrued charges and deferred income492/3€177€70▼
Income statement
Code20242025
Remuneration, social security and pensions62€20k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€27k€40k▲
Operating profit (loss)9901€4k€10k▲
Financial income75/76B€4€40▲
Recurring financial income75€4€40▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€970€7k▲
Income taxes67/77€88€590▲
Profit (loss) for the period9904€882€6k▲
Profit (loss) for the period to be appropriated9905€882€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€28k▲
Profit (loss) brought forward from the previous period14P€22k€22k=
Transfer to equity691/2€875€6k▲
To other reserves6921€875€6k▲
The notes to these accounts (7 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
2025
25-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Florennes · 1 establishment unit since 1987
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.
Grand-Place, Morialmé 1625620 Florennes1 establishment unit
Grand-Place, Morialmé 162, 5620 Florennes
since 19872.032.777.629
Recognitions · licences · registrations
Food safety, FASFC
1 siteFlorennes2.032.777.629
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Of 881 companies in sector 77229 we hold annual accounts for 319. 240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap (oud statuut)
Founded01-03-1987
Fiscal year end31-03
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
71402
77220Rental and leasing activities
77229Renting and leasing of other personal and household goods
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.