JM GOLF
ActiveJM GOLF has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-233k) and a net result of €22k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 5% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 0.2 in 2024; short-term debt: 203.2% and cash: 92.8% of total assets), and equity is negative.
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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-954.9%
Return on assets
92.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7694 sector peers (2025).
NBB · sector comparisonPosition among 7694 sector peers
Solvency
better than 5%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
3 d early
2023
1 d early
2022
24 d early
2021
54 d early
2020
60 d late
2019
119 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-233k▲ 8.8%
2024 · €-255k
2018: €-27k
2019: €-255k
2020: €-291k
2021: €-297k
2022: €-294k
2023: €-276k
2024: €-255k
2018 → 2025
Total assets
€24k▲ 101%
2024 · €12k
2018: €315k
2019: €45k
2020: €8k
2021: €1k
2022: €4k
2023: €10k
2024: €12k
2018 → 2025
Net result
€22k▲ 7.8%
2024 · €21k
2018: €-31k
2019: €-228k
2020: €-37k
2021: €-6k
2022: €3k
2023: €18k
2024: €21k
2018 → 2025
Working capital
€-25k▲ 47.2%
2024 · €-48k
2018: €150k
2019: €13k
2020: €-31k
2021: €-39k
2022: €-37k
2023: €-68k
2024: €-48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-297k-€-294k▲ 0.9%€-276k▲ 6.3%€-255k▲ 7.5%€-233k▲ 8.8%
Operating result€-3k-€3k€23k▲ 580%€21k▼ 8.7%€22k▲ 7.6%
Net result€-6k-€3k€18k▲ 606%€21k▲ 12.6%€22k▲ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Key figures and ratios
Solvency
-954.9%
Current ratio
0.49▲
2024 · 0.20
Quick ratio
0.49▲
2024 · 0.20
Debt / equity
-1.10▼
2024 · -1.05
ROA
92.1%▼
2024 · 171.9%
Debt
€257k▼
2024 · €267k
Debt ≤ 1 year
€50k▼
2024 · €60k
Debt > 1 year
€207k=
2024 · €207k
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€12k€24k▲
Current assets29/58€12k€24k▲
Amounts receivable within one year40/41€7€2k▲
Trade receivables40€0€2k▲
Other amounts receivable41€7€20▲
Cash at bank and in hand54/58€12k€23k▲
Equity and liabilities
Total equity and liabilities10/49€12k€24k▲
Equity10/15€-255k€-233k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-274k€-251k▲
Amounts payable17/49€267k€257k▼
Amounts payable after more than one year17€207k€207k=
Financial debts170/4€207k€207k=
Amounts payable within one year42/48€60k€50k▼
Trade debts44€387€1k▲
Suppliers440/4€387€1k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€58k€46k▼
Income statement
Code20242025
Other operating charges640/8€505€520▲
Gross operating margin9900€21k€23k▲
Operating profit (loss)9901€21k€22k▲
Financial income75/76B€28€66▲
Recurring financial income75€28€66▲
Financial charges65/66B€104€104=
Recurring financial charges65€104€104=
Profit (loss) for the period before taxes9903€21k€22k▲
Income taxes67/77€0-
Profit (loss) for the period9904€21k€22k▲
Profit (loss) for the period to be appropriated9905€21k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-274k€-251k▲
Profit (loss) brought forward from the previous period14P€-294k€-274k▲
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €22k ▲7.8%
Net result €22k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
31-12
Financial
Weakest financial yearnet €-228k
Net result drops to €-228k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2016
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.
Binnenvaartstraat 872000 AntwerpenGround area
2,293 m²
Building footprint
2,312 m²
Volume, LiDAR
10,586 m³
Parcel 11807G0157/09B000, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JM GOLF
since 20162.259.158.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0157/09B000 | Flanders | 2,293 m² | 1 · 2,312 m² | 9.8 m · 1 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,398. 2,624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.