Financials
- Fiscal year
- 2025
- Total assets
- €32,824
- Loss
- -€9,780
- Solvency
- 23.2%
Total assets▼ 57.0%
Net result
20202025
JCM IT Consult
ActiveSummary
The annual accounts of JCM IT Consult for fiscal year 2025 show a net loss of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €7,608 and a net result of -€9,780. Equity is shrinking by ~56.2% per year across the filed fiscal years. Its solvency ranks better than 23% of 20,943 sector peers (NACE 62, fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Computer consultancy and computer facilities management
NACE 62200
1 site
Size
€32,824total assets 2025
- Equity
- €7,608
- Loss
- -€9,780
Turnover not published (abridged schema)
Structure
Accounts filed 23 days late0 of 1 deed read
Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Latest accounts 23 days late; 2 of the last 3 late+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €32,824+ Liquidity: current ratio 1.30, cash €26,742Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 21% of its sector peers (NACE 62, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
48=
equity 23.2% of total assets
Liquidity
58=
short-term debt 76.8% · cash 81.5%
Profitability
0=
return on assets -29.8%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.2%
12-2024: 0.3%▲ +0.1 percentage points vs 11-2024
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.2%▼ -0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.5%▲ +0.3 percentage points vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025
10-2025: 1.1%▲ +0.5 percentage points vs 09-2025highest value
11-2025: 0.3%▼ -0.8 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 0.2%▼ -0.3 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.3 against 1.29 in 2024; short-term debt: 76.8% and cash: 81.5% of total assets), and 76.8% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 24% on solvency, 41% on liquidity, 5% on profitability and 13% on growth.
The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€9,780
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 20943 sector peers (2025).
NBB · sector comparisonPosition among 20943 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 6 filingsDeviation from the deadline
2025
23 days late
2024
61 days late
2023
152 days late
2022
24 days late
2021
31 days late
2020
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 54 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
08-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€77,634
Key points
By topic
Timeline
- Events
- 9
- Since
- 2021
- Next accounts
- by 31-07-2027
- 30-12-2024Annual accounts filed
- 24-08-2023Annual accounts filed
- 31-12-2022Liquidity triples
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Founded
- 19-07-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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