JCM CONSEILS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €177k and a net result of €27k. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 2389 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 27-10-2025, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
35 d early
2023
5 d early
2022
7 d late
2021
2 d late
2020
1 d early
2019
31 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 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Equity
€177k▼ 66.4%
2024 · €526k
2019: €623k
2020: €643k
2021: €667k
2022: €705k
2023: €495k
2024: €526k
2019 → 2025
Net result
€27k▼ 13.6%
2024 · €32k
2019: €40k
2020: €20k
2021: €24k
2022: €38k
2023: €109k
2024: €32k
2019 → 2025
Total assets
€351k▼ 42.9%
2024 · €616k
2019: €871k
2020: €872k
2021: €874k
2022: €979k
2023: €627k
2024: €616k
2019 → 2025
Solvency
50.3%▼ 35.2pp
2024 · 85.5%
2019: 71.6%
2020: 73.7%
2021: 76.3%
2022: 72.0%
2023: 78.9%
2024: 85.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€667k-€705k▲ 5.8%€495k▼ 29.9%€526k▲ 6.4%€177k▼ 66.4%
Operating result€-11k-€19k€134k▲ 603%€31k▼ 77.2%€32k▲ 3.2%
Net result€24k-€38k▲ 61.1%€109k▲ 184%€32k▼ 71.1%€27k▼ 13.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €351k
Fixed assets
€237k▼ 8.1%
Current assets
€114k▼ 68.0%
Equity and liabilities €351k
Equity
€177k▼ 66.4%
Debt
€175k▲ 95.1%
The debt ratio rises from 14.5% to 49.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
50.3%▼
2024 · 85.5%
ROE
15.4%▲
2024 · 6.0%
ROA
7.7%▲
2024 · 5.1%
Debt
€175k▲
2024 · €90k
Debt ≤ 1 year
€124k▲
2024 · €41k
Debt > 1 year
€51k▲
2024 · €48k
Income taxes
€16k▲
2024 · €14k
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€616k€351k▼
Fixed assets21/28€258k€237k▼
Tangible fixed assets22/27€75k€54k▼
Furniture and vehicles24€54k€36k▼
Other tangible fixed assets26€21k€18k▼
Financial fixed assets28€183k€183k=
Current assets29/58€357k€114k▼
Amounts receivable within one year40/41€355k€106k▼
Trade receivables40€3k€4k▲
Other amounts receivable41€352k€102k▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€376€2k▲
Equity and liabilities
Total equity and liabilities10/49€616k€351k▼
Equity10/15€526k€177k▼
Contributions10/11€6k€6k=
Reserves13€520k€170k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€518k€169k▼
Amounts payable17/49€90k€175k▲
Amounts payable after more than one year17€48k€51k▲
Financial debts170/4€48k€51k▲
Amounts payable within one year42/48€41k€124k▲
Current portion of amounts payable after more than one year42€18k€28k▲
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Taxes, remuneration and social security45€14k€16k▲
Taxes450/3€14k€16k▲
Other amounts payable47/48-€77k
Accrued charges and deferred income492/3€83-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€55k€54k▼
Operating profit (loss)9901€31k€32k▲
Financial income75/76B€17k€14k▼
Recurring financial income75€17k€14k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€45k€43k▼
Income taxes67/77€14k€16k▲
Profit (loss) for the period9904€32k€27k▼
Profit (loss) for the period to be appropriated9905€32k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€27k▼
Transfer from equity791/2-€377k
Transfer to equity691/2€32k€27k▼
To other reserves6921€32k€27k▼
Profit to be distributed694/7-€377k
Return on contributions (dividend)694-€377k
The notes to these accounts (10 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
27-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Equity above €500kEq €526k ▲6.4%
6 profitable years in a row build equity to €526k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Highest result since 2019net €109k ▲184%
Operating result €134k, net result €109k, both a record.
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Weakest financial yearnet €20k ▼50.2%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-09
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.
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, Lasne · 1 establishment unit since 2009
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.
Avenue Odile 71380 LasneGround area
1,214 m²
Building footprint
103 m²
Volume, LiDAR
649 m³
Parcel 25051C0171/00H007, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Odile 7, 1380 Lasne
since 20092.182.208.505
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051C0171/00H007 | Wallonia | 1,214 m² | 1 · 103 m² | 7.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500G2EBA89AVCC284
Similar companies · same sector, comparable size
VANBERT HOLDING
BE 0790.354.515
Charleroi · Eq €177k
JAVI BERINGEN
BE 0694.829.113
Beringen · Eq €177k
EMAJU
BE 0652.837.021
Zwalm · Eq €177k
JVD & Attache
BE 0745.579.810
Diksmuide · Eq €177k
DIRO Consulting
BE 0782.482.865
Laarne · Eq €177k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2009
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.