JM-IC
ActiveJM-IC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73k and a net result of €19k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +48 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 3.9 in 2023), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
26 d late
2022
78 d late
2021
38 d early
2020
90 d late
2019
4 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€73k▲ 36.0%
2023 · €54k
2018: €123k
2019: €120k
2020: €118k
2021: €16k
2022: €90k
2023: €54k
2018 → 2024
Total assets
€113k▲ 68.8%
2023 · €67k
2018: €193k
2019: €174k
2020: €158k
2021: €129k
2022: €137k
2023: €67k
2018 → 2024
Net result
€19k
2023 · €-37k
2018: €17k
2019: €3k
2020: €-1k
2021: €-101k
2022: €125k
2023: €-37k
2018 → 2024
Working capital
€50k▲ 29.1%
2023 · €39k
2018: €29k
2019: €20k
2020: €10k
2021: €-87k
2022: €76k
2023: €39k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€118k-€16k▼ 86.1%€90k▲ 451%€54k▼ 40.5%€73k▲ 36.0%
Operating result€2k-€-99k€140k€-36k€21k
Net result€-1k-€-101k▼ 9,416%€125k€-37k€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €21k after a loss of €36k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €113k
Fixed assets
€49k▲ 223%
Current assets
€64k▲ 24.0%
Equity and liabilities €113k
Equity
€73k▲ 36.0%
Debt
€40k▲ 201%
The debt ratio rises from 19.9% to 35.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€34k▲
2023 · €-30k
Cash flow
€33k▲
2023 · €-30k
Solvency
64.6%▼
2023 · 80.1%
Current ratio
4.43▲
2023 · 3.90
Quick ratio
4.43▲
2023 · 3.90
Debt / equity
0.55▲
2023 · 0.25
ROE
26.5%▲
2023 · -68.2%
ROA
17.1%▲
2023 · -54.6%
Interest coverage
19.98▲
2023 · -197.65
Debt
€40k▲
2023 · €13k
Debt ≤ 1 year
€15k▲
2023 · €13k
Debt > 1 year
€26k
Income taxes
€167▼
2023 · €222
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€67k€113k▲
Fixed assets21/28€15k€49k▲
Tangible fixed assets22/27€15k€48k▲
Furniture and vehicles24€15k€48k▲
Financial fixed assets28€500€500=
Current assets29/58€52k€64k▲
Amounts receivable within one year40/41€20k€57k▲
Trade receivables40€11k€46k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€30k€3k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€67k€113k▲
Equity10/15€54k€73k▲
Contributions10/11€6k€6k=
Reserves13€81k€81k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€80k€81k▲
Profit (loss) carried forward14€-34k€-15k▲
Amounts payable17/49€13k€40k▲
Amounts payable after more than one year17-€26k
Financial debts170/4-€26k
Amounts payable within one year42/48€13k€15k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Income statement
Code20232024
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€1k€6k▲
Gross operating margin9900€-29k€40k▲
Operating profit (loss)9901€-36k€21k▲
Financial income75/76B€244€626▲
Recurring financial income75€244€626▲
Financial charges65/66B€153€2k▲
Recurring financial charges65€153€2k▲
Profit (loss) for the period before taxes9903€-36k€19k▲
Income taxes67/77€222€167▼
Profit (loss) for the period9904€-37k€19k▲
Profit (loss) for the period to be appropriated9905€-37k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-15k▲
Profit (loss) brought forward from the previous period14P€3k€-34k▼
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
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 78 days late
2022
31-12
Financial
Back to profitnet €125k
Net result €125k after 2 loss-making years.
31-12
Financial
Liquidity times 12current ratio 2.61
Current ratio from 0.22 to 2.61; short-term debt falls from €112k to €47k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-101k
Net result drops to €-101k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
14-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Pieters-Woluwe · 1 establishment unit since 2009
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.
Stoeterijlaan 1731150 Sint-Pieters-WoluweGround area
230 m²
Building footprint
75 m²
Volume, LiDAR
639 m³
Parcel 21683D0369/00D011, Brussels · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JMSERV
since 20092.183.521.270
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0369/00D011 | Brussels | 230 m² | 1 · 75 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
SYNEVO CONSULTING
BE 0645.831.641
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MARCELINC
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E-KLIPSE
BE 0890.860.470
Namur · Eq €73k
ADSCALE TECHNOLOGIES
BE 0803.161.384
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Suguna
BE 0757.659.080
Kortenberg · Eq €73k
Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 15,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2009
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.