JCM
ActiveSummary
JCM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-6k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-15
Solvency35▼-15
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four 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 2025Solvency, return and age of the figures
Solvency
9.9%
Return on assets
-7.2%
Age of the figures
15 mo
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
42 d early
2023
28 d late
2022
on the day
2021
4 d early
2020
1 d late
2019
43 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 42.4%
2024 · €13k
Total assets
€78k▲ 45.0%
2024 · €54k
Net result
€-6k
2024 · €580
Working capital
€-15k▼ 789%
2024 · €-2k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-209€1k€-108€2k€-4k
Net result€-2k▲ 10.7%€-229▲ 88.6%€-1k▼ 481%€580€-6k
Equity€14k▼ 12.3%€14k▼ 1.6%€13k▼ 9.4%€13k▲ 4.5%€8k▼ 42.4%
Total assets€39k▼ 2.6%€66k▲ 68.1%€60k▼ 8.4%€54k▼ 10.2%€78k▲ 45.0%
Debt€25k▲ 4.0%€51k▲ 109%€47k▼ 8.1%€41k▼ 14.2%€70k▲ 73.8%
Working capital€11k▼ 33.9%€-9k€-8k▲ 13.6%€-2k▲ 78.4%€-15k▼ 789%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€40k ▲ 166%
Current assets
€38k ▼ 1.9%
Equity and liabilities €78k
Equity
€8k ▼ 42.4%
Debt
€70k ▲ 73.8%
Debt's share of the balance-sheet total rises from 75.2% to 90.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €8k
Cash flow
€6k▼
2024 · €6k
Current ratio
0.72▼
2024 · 0.96
Debt to equity
9.15▲
2024 · 3.03
ROE
-73.6%▼
2024 · 4.3%
ROA
-7.2%▼
2024 · 1.1%
Interest coverage
3.96▼
2024 · 4.54
Debt ≤ 1 year
€53k▲
2024 · €41k
Debt > 1 year
€17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €467 | €2k | €6k | €6k | €12k | ▲ 107% |
| Other operating charges640/8 | - | €62 | €187 | €362 | €662 | ▲ 82.9% |
| Gross operating margin9900 | €320 | €4k | €6k | €8k | €9k | ▲ 6.2% |
| Operating profit (loss)9901 | €-209 | €1k | €-108 | €2k | €-4k | ▼ 250% |
| Financial income75/76B | - | - | - | - | €1 | - |
| Recurring financial income75 | - | - | - | - | €1 | - |
| Financial charges65/66B | - | €2k | €1k | €2k | €2k | ▲ 18.0% |
| Recurring financial charges65 | €2k | €2k | €1k | €2k | €2k | ▲ 18.0% |
| Profit (loss) for the period before taxes9903 | €-2k | €-229 | €-1k | €580 | €-6k | ▼ 1,077% |
| Profit (loss) for the period9904 | €-2k | €-229 | €-1k | €580 | €-6k | ▼ 1,077% |
| Profit (loss) for the period to be appropriated9905 | €-2k | €-229 | €-1k | €580 | €-6k | ▼ 1,077% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €39k | €66k | €60k | €54k | €78k | ▲ 45.0% |
| Fixed assets21/28 | €4k | €23k | €20k | €15k | €40k | ▲ 166% |
| Tangible fixed assets22/27 | €4k | €23k | €20k | €15k | €40k | ▲ 170% |
| Plant, machinery and equipment23 | - | €3k | €2k | €1k | €333 | ▼ 70.6% |
| Furniture and vehicles24 | - | €20k | €19k | €14k | €39k | ▲ 190% |
| Financial fixed assets28 | - | - | - | €300 | €300 | = |
| Current assets29/58 | €35k | €42k | €40k | €39k | €38k | ▼ 1.9% |
| Amounts receivable within one year40/41 | €33k | €36k | €39k | €37k | €34k | ▼ 9.3% |
| Trade receivables40 | - | €36k | €39k | €37k | €34k | ▼ 9.0% |
| Other amounts receivable41 | - | €44 | €107 | €384 | €245 | ▼ 36.3% |
| Cash at bank and in hand54/58 | €2k | €7k | €487 | €1k | €2k | ▲ 50.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €39k | €66k | €60k | €54k | €78k | ▲ 45.0% |
| Equity10/15 | €14k | €14k | €13k | €13k | €8k | ▼ 42.4% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | €3k | €3k | €3k | €3k | €3k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €1k | €1k | €3k | €3k | = |
| Profit (loss) carried forward14 | €-9k | €-9k | €-11k | €-10k | €-16k | ▼ 56.4% |
| Amounts payable17/49 | €25k | €51k | €47k | €41k | €70k | ▲ 73.8% |
| Amounts payable after more than one year17 | - | - | - | - | €17k | - |
| Financial debts170/4 | - | - | - | - | €17k | - |
| Amounts payable within one year42/48 | €25k | €51k | €47k | €41k | €53k | ▲ 30.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €13k | - |
| Financial debts43 | - | €25k | - | - | - | - |
| Credit institutions430/8 | - | €25k | - | - | - | - |
| Trade debts44 | €225 | - | €121 | €986 | €421 | ▼ 57.3% |
| Suppliers440/4 | - | - | €121 | €986 | €421 | ▼ 57.3% |
| Taxes, remuneration and social security45 | - | €136 | €136 | €171 | €0 | ▼ 100% |
| Taxes450/3 | - | €136 | €136 | €171 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €26k | €47k | €39k | €39k | ▲ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €-229 | €-1k | €580 | €-6k | ▼ 1,077% |
| + Depreciation and write-downs630 | €467 | €2k | €6k | €6k | €12k | ▲ 107% |
| Operating cash flow (approximation) | €-2k | €2k | €4k | €6k | €6k | ▼ 1.5% |
| Investment in fixed assets (approximation) | - | €-22k | €-3k | €-300 | €-37k | ▼ 12,200% |
| Change in cash | - | €4k | €-6k | €926 | €716 | ▼ 22.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €580
Net result €580 after 5 loss-making years.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Bilzen-Hoeselt · 1 establishment unit since 2005
Ground area
2,704 m²
Building footprint
1,426 m²
Volume, LiDAR
2 m³
Parcel 73006A0045/00X000, Flanders · tallest building 0.5 m. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
JCM
since 20052.145.764.021
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006A0045/00X000 | Flanders | 2,704 m² | 1 · 1,426 m² | 0.5 m |
Linked by address, not proof of ownership
Good to know
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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EUROBRABANT
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Roos International
BE 0506.676.332
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BELGO TRADE
BE 0802.437.745
La Louvière · Eq €8,153
Of 1,566 companies in sector 46900 we hold annual accounts for 920. 217 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-10-2004
Fiscal year end30-06
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
47529Retail trade
Scores and ratios are computed by Checked and are not a credit decision.