JCMA
ActiveJCMA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €36k. Equity is growing by ~70.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+19
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 2.8 in 2024; short-term debt: 18.5% and cash: 59.1% of total assets), and 32.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.8%
Return on assets
31.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-02-2026, 72 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
72 d early
2024
116 d early
2023
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 85.4%
2024 · €42k
2023: €19k
2024: €42k
2023 → 2025
Total assets
€116k▲ 34.2%
2024 · €86k
2023: €76k
2024: €86k
2023 → 2025
Net result
€36k▲ 55.1%
2024 · €23k
2023: €12k
2024: €23k
2023 → 2025
Working capital
€73k▲ 121%
2024 · €33k
2023: €9k
2024: €33k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€42k▲ 122%€78k▲ 85.4%
Operating result€18k-€35k▲ 94.8%€52k▲ 50.2%
Net result€12k-€23k▲ 93.6%€36k▲ 55.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 50% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€21k▼ 39.1%
Current assets
€95k▲ 83.2%
Equity and liabilities €116k
Equity
€78k▲ 85.4%
Debt
€37k▼ 15.1%
The debt ratio falls from 50.9% to 32.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▲
2024 · €49k
Cash flow
€50k▲
2024 · €38k
Solvency
67.8%▲
2024 · 49.1%
Current ratio
4.43▲
2024 · 2.80
Quick ratio
4.43▲
2024 · 2.80
Debt / equity
0.48▼
2024 · 1.04
ROE
46.1%▼
2024 · 55.0%
ROA
31.2%▲
2024 · 27.0%
Interest coverage
46.11▲
2024 · 29.11
Debt
€37k▼
2024 · €44k
Debt ≤ 1 year
€21k▲
2024 · €18k
Debt > 1 year
€16k▼
2024 · €25k
Income taxes
€15k▲
2024 · €10k
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€86k€116k▲
Fixed assets21/28€35k€21k▼
Tangible fixed assets22/27€35k€21k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€31k€19k▼
Current assets29/58€52k€95k▲
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€14k€16k▲
Current investments50/53€9k€9k▼
Cash at bank and in hand54/58€26k€68k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€86k€116k▲
Equity10/15€42k€78k▲
Contributions10/11€7k€7k=
Reserves13€35k€71k▲
Distributable reserves133€35k€71k▲
Amounts payable17/49€44k€37k▼
Amounts payable after more than one year17€25k€16k▼
Financial debts170/4€25k€16k▼
Amounts payable within one year42/48€18k€21k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€399€287▼
Suppliers440/4€399€287▼
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€6k€9k▲
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€150€400▲
Gross operating margin9900€49k€67k▲
Operating profit (loss)9901€35k€52k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€33k€51k▲
Income taxes67/77€10k€15k▲
Profit (loss) for the period9904€23k€36k▲
Profit (loss) for the period to be appropriated9905€23k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€36k▲
Transfer to equity691/2€23k€36k▲
To other reserves6921€23k€36k▲
The notes to these accounts (6 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
2026
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €36k ▲55.1%
Operating result €52k, net result €36k, both a record.
04-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 2.80
Current ratio from 1.39 to 2.80; short-term debt falls from €22k to €18k.
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Gavere · 1 establishment unit since 2023
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.
Nijverheidsstraat 119890 GavereGround area
171 m²
Building footprint
160 m²
Volume, LiDAR
918 m³
Parcel 44016B1128/00B002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCMA
since 20232.342.978.481
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1128/00B002 | Flanders | 171 m² | 1 · 160 m² | 10.2 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
699400HDEMCAB4EJCX50
Similar companies · same sector, comparable size
TDE
BE 0886.565.647
Wommelgem · Eq €79k
Akoma Engineering
BE 1005.028.975
Faimes · Eq €79k
Develop Consult
BE 0738.750.614
Edegem · Eq €79k
DiDiSo
BE 0804.960.141
Antwerpen · Eq €78k
De.Be.Ro.Projects
BE 0838.453.845
Temse · Eq €78k
Of 11,553 companies in sector 71121 we hold annual accounts for 6,558. 5,153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2023
Fiscal year end30-09
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.