JBM Advice
ActiveJBM Advice is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €97k and a net result of €85k. Equity is growing by ~48% per year across the filed fiscal years. Its solvency ranks better than 82% of 9863 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
27 d late
2022
7 d late
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€97k▼ 68.9%
2023 · €311k
2020: €79k
2021: €148k
2022: €225k
2023: €311k
2020 → 2024
Net result
€85k▼ 0.5%
2023 · €86k
2020: €78k
2021: €69k
2022: €78k
2023: €86k
2020 → 2024
Total assets
€114k▼ 66.7%
2023 · €341k
2020: €112k
2021: €176k
2022: €263k
2023: €341k
2020 → 2024
Solvency
85.1%▼ 6.2pp
2023 · 91.3%
2020: 70.6%
2021: 84.2%
2022: 85.8%
2023: 91.3%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€79k-€148k▲ 86.9%€225k▲ 52.4%€311k▲ 38.1%€97k▼ 68.9%
Operating result€99k-€85k▼ 14.0%€99k▲ 15.3%€111k▲ 12.2%€107k▼ 3.5%
Net result€78k-€69k▼ 12.0%€78k▲ 12.7%€86k▲ 10.8%€85k▼ 0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €114k
Fixed assets
€49k▲ 142%
Current assets
€65k▼ 79.8%
Equity and liabilities €114k
Equity
€97k▼ 68.9%
Debt
€17k▼ 42.8%
The debt ratio rises from 8.7% to 14.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
85.1%▼
2023 · 91.3%
ROE
88.4%▲
2023 · 27.6%
ROA
75.2%▲
2023 · 25.2%
Debt
€17k▼
2023 · €30k
Debt ≤ 1 year
€17k▼
2023 · €29k
Income taxes
€24k▼
2023 · €24k
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€341k€114k▼
Fixed assets21/28€20k€49k▲
Tangible fixed assets22/27€20k€49k▲
Furniture and vehicles24-€9k
Other tangible fixed assets26€20k€40k▲
Current assets29/58€321k€65k▼
Amounts receivable within one year40/41€21k€28k▲
Trade receivables40€20k€21k▲
Other amounts receivable41€1k€7k▲
Current investments50/53-€27k
Cash at bank and in hand54/58€299k€10k▼
Deferred charges and accrued income490/1€825-
Equity and liabilities
Total equity and liabilities10/49€341k€114k▼
Equity10/15€311k€97k▼
Contributions10/11€1k€1k=
Reserves13€310k€96k▼
Distributable reserves133€310k€96k▼
Amounts payable17/49€30k€17k▼
Amounts payable within one year42/48€29k€17k▼
Trade debts44€907€156▼
Suppliers440/4€907€156▼
Taxes, remuneration and social security45€28k€17k▼
Taxes450/3€26k€14k▼
Remuneration and social security454/9€2k€2k▼
Accrued charges and deferred income492/3€296€296=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€14k▲
Other operating charges640/8€1k€796▼
Gross operating margin9900€119k€122k▲
Operating profit (loss)9901€111k€107k▼
Financial income75/76B€91€3k▲
Recurring financial income75€91€3k▲
Financial charges65/66B€554€582▲
Recurring financial charges65€554€582▲
Profit (loss) for the period before taxes9903€110k€109k▼
Income taxes67/77€24k€24k▼
Profit (loss) for the period9904€86k€85k▼
Profit (loss) for the period to be appropriated9905€86k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€310k€85k▼
Profit (loss) brought forward from the previous period14P€224k-
Transfer from equity791/2-€300k
Transfer to equity691/2€310k€85k▼
To other reserves6921€310k€85k▼
Profit to be distributed694/7-€300k
Return on contributions (dividend)694-€300k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2020net €86k ▲10.8%
Operating result €111k, net result €86k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Equity above €200kEq €225k ▲52.4%
3 profitable years in a row build equity to €225k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €69k ▼12%
Net result drops to €69k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €148k ▲86.9%
2 profitable years in a row build equity to €148k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
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, Lummen · 1 establishment unit since 2020
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.
Molenaarstraat 53560 LummenGround area
1,203 m²
Building footprint
197 m²
Volume, LiDAR
1,414 m³
Parcel 71038B0650/00F000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JBM Advice
since 20202.298.240.004
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038B0650/00F000 | Flanders | 1,203 m² | 1 · 197 m² | 11.4 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,195 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.