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JM CONSULTANCY

Active
Private limited companyfounded 199135 yrs activeKaasmarkt 28, 1780 Wemmel, BelgiumKBO/BCE: BE 0445.283.943
Summary

JM CONSULTANCY has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149,898 and a net result of €23,613. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 87% of 4251 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
JM CONSULTANCYActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
NACE 74121
1 site
Size
€174,056total assets 2025
Equity
€149,898
Profit
€23,613
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
C.A.R.P.E · 99.87%
Accounts 47 d early0 of 5 deeds read
Why 95- Liquidity: current ratio 7.20, cash €1,670, halved+ Founded in 1991+ Figures for FY 2025 (filed 17-12-2025)+ Sector Other professional, scientific and technical activities (NACE 74)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 57% of its sector peers (NACE 74, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 86.1% of total assets
Liquidity 49-4
short-term debt 13.9% · cash 1.0%
Profitability 71+29
return on assets 13.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,359 companies)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%▼ -0.5% vs 11-2024 01-2025: 0.7%▲ +20.1% vs 12-2024highest value 02-2025: 0.1%▼ -87.3% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%▼ -1.2% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▲ +10.6% vs 09-2025 11-2025: 0.1%▼ -11.7% vs 10-2025lowest value 12-2025: 0.1%▲ +14.5% vs 11-2025 01-2026: 0.1%▼ -6.3% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▼ -1.1% vs 06-2026 08-2026: 0.1%● 0.0% vs 07-2026 09-2026: 0.1%▲ +1.1% vs 08-2026 10-2026: 0.1%▲ +9.0% vs 09-2026
  • Founded in 1991 lowers the probability for this profile
  • Liquidity: current ratio 7.20, cash €1,670, halved raises the probability
  • Figures for FY 2025 (filed 17-12-2025) lowers the probability
  • Sector Other professional, scientific and technical activities (NACE 74) lowers the probability
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 7.2 against 12.41 in 2024; short-term debt: 13.9% and cash: 1% of total assets), and 13.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 74, micro). Better than this share of them on solvency 88%, liquidity 32%, profitability 42%, growth against the median 65%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1991
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 7.20, cash €1,670, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 17-12-2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Other professional, scientific and technical activities (NACE 74)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €149,898
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
47 d early
2024
1 d early
2023
6 d early
2022
6 d early
2021
5 d early
2020
3 d early
2019
93 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 25 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close04-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Back to profitnet €2,316

Key points

  • Positive: Among the best 14% on solvencysector median 50.2% · 4,251 companies 86.1% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by C.A.R.P.E 99.87% View

By topic

Financials

Fiscal year
2025
Total assets
€174,056
Profit
€23,613
Solvency
86.1%
Total assets▲ 26.7%
Net result
20192025
Go to Financials

Timeline

Events
17
Since
2016
Next accounts
by 31-01-2027
  1. 15-12-2025Annual accounts filed
  2. 30-01-2025Annual accounts filed
  3. 30-06-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Code without a labelNACE 74121
Founded
30-09-1991
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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