JM Holding
ActiveJM Holding has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.85M and a net result of €56k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 81% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-1
Solvency99▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.41 in 2024; short-term debt: 17.2% and cash: 0.7% of total assets), and 25.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
74.3%
Return on assets
1.1%
Age of the figures
9 mo
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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
7 d early
2023
9 d early
2022
46 d early
2021
2 d early
2020
5 d early
2019
32 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.85M▲ 1.5%
2024 · €3.79M
2018: €3.32M
2019: €3.33M
2020: €3.41M
2021: €3.52M
2022: €3.55M
2023: €3.72M
2024: €3.79M
2018 → 2025
Total assets
€5.18M▼ 3.6%
2024 · €5.37M
2018: €4.52M
2019: €4.64M
2020: €4.63M
2021: €4.66M
2022: €4.82M
2023: €5.31M
2024: €5.37M
2018 → 2025
Net result
€56k▼ 20.9%
2024 · €71k
2018: €46k
2019: €16k
2020: €74k
2021: €117k
2022: €78k
2023: €172k
2024: €71k
2018 → 2025
Working capital
€-647k▼ 3.9%
2024 · €-623k
2018: €-517k
2019: €-551k
2020: €-487k
2021: €-380k
2022: €-356k
2023: €-617k
2024: €-623k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.52M-€3.55M▲ 0.7%€3.72M▲ 4.8%€3.79M▲ 1.9%€3.85M▲ 1.5%
Operating result€165k-€107k▼ 35.3%€4k▼ 96.7%€115k▲ 3,138%€95k▼ 17.7%
Net result€117k-€78k▼ 33.3%€172k▲ 120%€71k▼ 58.4%€56k▼ 20.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.18M
Fixed assets
€4.94M=
Current assets
€241k▼ 44.7%
Equity and liabilities €5.18M
Equity
€3.85M▲ 1.5%
Debt
€1.33M▼ 15.9%
The debt ratio falls from 29.5% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.3%▲
2024 · 70.5%
Current ratio
0.27▼
2024 · 0.41
Quick ratio
0.27▼
2024 · 0.41
Debt / equity
0.35▼
2024 · 0.42
ROE
1.5%▼
2024 · 1.9%
ROA
1.1%▼
2024 · 1.3%
Debt
€1.33M▼
2024 · €1.58M
Debt ≤ 1 year
€889k▼
2024 · €1.06M
Debt > 1 year
€444k▼
2024 · €525k
Income taxes
€21k▼
2024 · €21k
Staff costs
€118k
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€5.37M€5.18M▼
Fixed assets21/28€4.94M€4.94M=
Financial fixed assets28€4.94M€4.94M=
Current assets29/58€436k€241k▼
Amounts receivable within one year40/41€374k€204k▼
Trade receivables40€238k€155k▼
Other amounts receivable41€135k€49k▼
Cash at bank and in hand54/58€61k€37k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€5.37M€5.18M▼
Equity10/15€3.79M€3.85M▲
Contributions10/11€3.27M€3.27M=
Reserves13€520k€576k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€516k€573k▲
Amounts payable17/49€1.58M€1.33M▼
Amounts payable after more than one year17€525k€444k▼
Financial debts170/4€525k€444k▼
Amounts payable within one year42/48€1.06M€889k▼
Current portion of amounts payable after more than one year42€88k€88k▼
Trade debts44€922k€167k▼
Suppliers440/4€922k€167k▼
Taxes, remuneration and social security45€25k€24k▼
Taxes450/3€25k€15k▼
Remuneration and social security454/9€0€8k▲
Other amounts payable47/48€25k€610k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€118k
Other operating charges640/8€261€1k▲
Gross operating margin9900€115k€214k▲
Operating profit (loss)9901€115k€95k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€23k€17k▼
Recurring financial charges65€23k€17k▼
Profit (loss) for the period before taxes9903€92k€77k▼
Income taxes67/77€21k€21k▼
Profit (loss) for the period9904€71k€56k▼
Profit (loss) for the period to be appropriated9905€71k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€56k▼
Transfer to equity691/2€71k€56k▼
To other reserves6921€71k€56k▼
Social balance
Average headcount (FTE)90870.02.8▲
The notes to these accounts (11 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €172k ▲120%
Net result €172k, the highest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €16k ▼66%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lier · 1 establishment unit since 2012
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.
Kelderveld 202500 LierGround area
2.3 ha
Building footprint
8,744 m²
Parcel 12392A0975/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
JM Holding
since 20122.209.045.138
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0975/00A000 | Flanders | 2.3 ha | 1 · 8,744 m² | 0.0 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.
Similar companies · same sector, comparable size
AUGE
BE 0446.311.351
Antwerpen · Eq €4.11M
NIEUWE STRAETE
BE 0456.262.561
Tielt · Eq €3.02M
Prosilio
BE 1000.538.766
Elsene · Eq €5.82M
K-R-INVEST
BE 0844.285.822
Herentals · Eq €2.52M
LES TOURNIERES
BE 0479.374.493
Liège · Eq €2.32M
Of 206 companies in sector 68202 we hold annual accounts for 190. 90 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2012
Fiscal year end31-12
Activities, NACEBEL
68202Real estate activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.