JDML
ActiveJDML has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €471. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency100▲+19
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 6.71 against 1.9 in 2024; short-term debt: 12.2% and cash: 18.2% of total assets), and 12.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
87.8%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
21 d early
2023
6 d early
2022
24 d early
2021
34 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 0.7%
2024 · €72k
2021: €19k
2022: €37k
2023: €51k
2024: €72k
2021 → 2025
Total assets
€83k▼ 36.2%
2024 · €130k
2021: €25k
2022: €77k
2023: €92k
2024: €130k
2021 → 2025
Net result
€471▼ 99.3%
2024 · €66k
2021: €17k
2022: €35k
2023: €14k
2024: €66k
2021 → 2025
Working capital
€57k▲ 10.5%
2024 · €52k
2021: €9k
2022: €31k
2023: €50k
2024: €52k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€37k▲ 92.8%€51k▲ 38.0%€72k▲ 40.6%€73k▲ 0.7%
Operating result€22k-€48k▲ 122%€20k▼ 59.7%€83k▲ 324%€1k▼ 98.2%
Net result€17k-€35k▲ 104%€14k▼ 59.9%€66k▲ 366%€471▼ 99.3%
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 2025; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€15k▼ 24.4%
Current assets
€67k▼ 38.4%
Equity and liabilities €83k
Equity
€73k▲ 0.7%
Debt
€10k▼ 82.4%
The debt ratio falls from 44.4% to 12.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €89k
Cash flow
€5k▼
2024 · €72k
Solvency
87.8%▲
2024 · 55.6%
Current ratio
6.71▲
2024 · 1.90
Quick ratio
6.71▲
2024 · 1.90
Debt / equity
0.14▼
2024 · 0.80
ROE
0.6%▼
2024 · 91.2%
ROA
0.6%▼
2024 · 50.8%
Interest coverage
27.97▼
2024 · 111.31
Debt
€10k▼
2024 · €58k
Debt ≤ 1 year
€10k▼
2024 · €58k
Income taxes
€1k▼
2024 · €17k
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€130k€83k▼
Fixed assets21/28€20k€15k▼
Tangible fixed assets22/27€20k€15k▼
Furniture and vehicles24€20k€15k▼
Current assets29/58€109k€67k▼
Amounts receivable within one year40/41€85k€37k▼
Trade receivables40€11k€12k▲
Other amounts receivable41€74k€25k▼
Cash at bank and in hand54/58€23k€15k▼
Deferred charges and accrued income490/1€924€15k▲
Equity and liabilities
Total equity and liabilities10/49€130k€83k▼
Equity10/15€72k€73k▲
Contributions10/11€2k€2k=
Reserves13€70k€71k▲
Distributable reserves133€70k€71k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€58k€10k▼
Amounts payable within one year42/48€58k€10k▼
Current portion of amounts payable after more than one year42€0€3k▲
Financial debts43€7k€0▼
Credit institutions430/8€7k€0▼
Trade debts44€361€918▲
Suppliers440/4€361€918▲
Taxes, remuneration and social security45€12k€6k▼
Taxes450/3€12k€6k▼
Other amounts payable47/48€38k€0▼
Accrued charges and deferred income492/3€0€62▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€638€623▼
Gross operating margin9900€90k€7k▼
Operating profit (loss)9901€83k€1k▼
Financial income75/76B€1k€249▼
Recurring financial income75€1k€249▼
Financial charges65/66B€800€230▼
Recurring financial charges65€800€230▼
Profit (loss) for the period before taxes9903€83k€2k▼
Income taxes67/77€17k€1k▼
Profit (loss) for the period9904€66k€471▼
Profit (loss) for the period to be appropriated9905€66k€471▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€471▼
Transfer to equity691/2€21k€471▼
To other reserves6921€21k€471▼
Profit to be distributed694/7€45k€0▼
Return on contributions (dividend)694€45k€0▼
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €471 ▼99.3%
Net result drops to €471, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 6.71
Current ratio from 1.90 to 6.71; short-term debt falls from €58k to €10k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €66k ▲366%
Operating result €83k, net result €66k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Maasmechelen · 1 establishment unit since 2021
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.
Korhaanstraat(M) 143630 MaasmechelenGround area
816 m²
Building footprint
210 m²
Volume, LiDAR
41 m³
Parcel 73048E0931/00R028, Flanders · tallest building 1.9 m. Linked by address, not a title deed.
1 establishment unit
JDML
since 20212.311.007.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73048E0931/00R028 | Flanders | 816 m² | 1 · 210 m² | 1.9 m |
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
894500YGPN0M1AIE0K86
Similar companies · same sector, comparable size
ARTIO
BE 0478.617.202
Antwerpen · Eq €73k
Schillemans Kids
BE 0772.793.555
Stabroek · Eq €73k
PART-C-LEASE
BE 0627.746.881
Sint-Gillis (bij-Brussel) · Eq €73k
VAEM Consult
BE 0758.696.485
Braine-l'Alleud · Eq €73k
Inconate
BE 0653.930.745
Gistel · Eq €73k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,804 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.