JM CONSULT
ActiveJM CONSULT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €80k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 89% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98=
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 10.69 against 8.46 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
90.8%
Return on assets
17.8%
Age of the figures
9 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1920212223232425
2019 to 2025 · latest year €409k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
24 d late
2023
35 d early
2022
6 d early
2021
5 d late
2020
6 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€409k▲ 19.1%
2024 · €343k
2019: €431k
2020: €446k
2021: €405k
2022: €444k
2023: €466k
2023: €329k
2024: €343k
2019 → 2025
Total assets
€450k▲ 16.0%
2024 · €388k
2019: €449k
2020: €455k
2021: €417k
2022: €481k
2023: €480k
2023: €355k
2024: €388k
2019 → 2025
Net result
€80k▲ 19.8%
2024 · €67k
2019: €28k
2020: €15k
2021: €16k
2022: €39k
2023: €22k
2023: €27k
2024: €67k
2019 → 2025
Working capital
€403k▲ 19.6%
2024 · €337k
2019: €305k
2020: €337k
2021: €313k
2022: €361k
2023: €397k
2023: €268k
2024: €337k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€444k-€466k▲ 5.0%€329k▼ 29.5%€343k▲ 4.4%€409k▲ 19.1%
Operating result€55k-€32k▼ 42.8%€38k▲ 20.2%€87k▲ 129%€99k▲ 13.1%
Net result€39k-€22k▼ 43.3%€27k▲ 23.4%€67k▲ 146%€80k▲ 19.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed three years in a row; 2025 is 13% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€6k▼ 8.0%
Current assets
€444k▲ 16.4%
Equity and liabilities €450k
Equity
€409k▲ 19.1%
Debt
€42k▼ 7.8%
The debt ratio falls from 11.6% to 9.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€100k▲
2024 · €88k
Cash flow
€82k▲
2024 · €68k
Solvency
90.8%▲
2024 · 88.4%
Current ratio
10.69▲
2024 · 8.46
Quick ratio
10.69▲
2024 · 8.46
Debt / equity
0.10▼
2024 · 0.13
ROE
19.6%▲
2024 · 19.5%
ROA
17.8%▲
2024 · 17.3%
Interest coverage
-6544.94▼
2024 · 1203.88
Debt
€42k▼
2024 · €45k
Debt ≤ 1 year
€42k▼
2024 · €45k
Income taxes
€32k▲
2024 · €28k
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€388k€450k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24-€971
Other tangible fixed assets26€7k€5k▼
Current assets29/58€382k€444k▲
Amounts receivable within one year40/41€260k€254k▼
Trade receivables40€11k€16k▲
Other amounts receivable41€250k€238k▼
Cash at bank and in hand54/58€121k€190k▲
Deferred charges and accrued income490/1€359€389▲
Equity and liabilities
Total equity and liabilities10/49€388k€450k▲
Equity10/15€343k€409k▲
Contributions10/11€12k€12k=
Reserves13€331k€396k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€329k€394k▲
Amounts payable17/49€45k€42k▼
Amounts payable within one year42/48€45k€42k▼
Trade debts44€368€13▼
Suppliers440/4€368€13▼
Taxes, remuneration and social security45€45k€42k▼
Taxes450/3€45k€42k▼
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€880€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€90k€102k▲
Operating profit (loss)9901€87k€99k▲
Financial income75/76B€8k€14k▲
Recurring financial income75€8k€14k▲
Financial charges65/66B€73€-15▼
Recurring financial charges65€73€-15▼
Profit (loss) for the period before taxes9903€95k€112k▲
Income taxes67/77€28k€32k▲
Profit (loss) for the period9904€67k€80k▲
Profit (loss) for the period to be appropriated9905€67k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€80k▲
Transfer from equity791/2€52k€15k▼
Transfer to equity691/2€67k€80k▲
To the legal reserve6920€67k-
To other reserves6921-€80k
Profit to be distributed694/7€52k€15k▼
Return on contributions (dividend)694€52k€15k▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €80k ▲19.8%
Operating result €99k, net result €80k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 28.35
Current ratio from 10.74 to 28.35; short-term debt falls from €37k to €15k.
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
31-03
Financial
Weakest financial yearnet €15k ▼48.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 38.28
Current ratio from 17.87 to 38.28; short-term debt falls from €18k to €9k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nazareth · 1 establishment unit since 2005
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.
Zandstraat 599810 NazarethGround area
1.5 ha
Building footprint
540 m²
Volume, LiDAR
2,951 m³
Parcel 44018A1168/00C000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JM CONSULT
since 20052.146.584.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44018A1168/00C000 | Flanders | 1.5 ha | 2 · 540 m² | 9.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,620 EUR awarded · 1,620 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,620 EUR | 1,620 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 12,732 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2005
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
58290Other software publishing
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72210
72300
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:johan.merckx@fourdimensions.be
Phone:0496590875