Equity
€1.3m ▲ 0.1%
JM IMMO has made a profit without a break since 2013.
JM IMMO
Lifetime
19 annual accounts with figures on one time axis, 26 filings since 2000peak €774,556 (2008)
€12,429▼ 3.3%
lowest -€45,215 (2012)
€652▼ 1.5%
peak €1.3m (2025)
€1.3m▲ 0.1%
€83,148▲ 1.0%
peak 6.7 FTE (2007)
-not published
Board6 names since 2021
3 directorsJANSSEN Magda and 2 others
Owners
99%JM HOLDING
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Cash from €143 to €772
Key points
from the 2025 annual accountsFilings
26 annual accounts since 2000
Two of the last ten came late. The 2025 accounts came latest: 31 days after the end of the period.
Position in the sector
94.0%
Higher solvency than 95% of companies in fabricated metal products. Sector median 44.2% · 2,337 companies.
Checked score
66
Healthy
Financially stronger than 47% of micro companies in fabricated metal products (NACE 25)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 3,710 companies (NACE 25, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.6%▲ +0.1 percentage points vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▼ -0.2 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025lowest value
11-2025: 0.5%● unchanged vs 10-2025lowest value
12-2025: 0.5%● unchanged vs 11-2025lowest value
01-2026: 0.5%● unchanged vs 12-2025lowest value
02-2026: 0.5%● unchanged vs 01-2026lowest value
03-2026: 0.5%● unchanged vs 02-2026lowest value
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 1.0%▼ -0.1 percentage points vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 11.03, cash €772
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Sector: Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
lowers risk
Founded in 1998
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 25, micro). It does better than 90% of them on solvency, 45% on liquidity, 18% on profitability and 35% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as JM IMMO has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JM IMMO itself is higher: 1.0% within 12 months. It rests on far more data about JM IMMO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for JM IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €85,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.03 (11.0 in 2024), above the usual 1.5. Short-term debt is 6% and cash 0.1% of total assets. 6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
7 days early
2023
20 days early
2022
31 days early
2021
31 days early
2020
31 days early
2019
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 25), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- JM HOLDING 99%equity €1.2m (2025) · 2025 annual accounts of JM HOLDING
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464720961
Capital decrease of €200,000 to €1,000,000
Capital from €1,200,000 to €1,000,000 · Changes of role: JANSSEN Magdalena, Guido Edgard Augusta SCHELFHOUT and SCHELFHOUT Wout · Director discharge: JANSSEN Magdalena · General meeting of 09-07-2021 · Gazette deed
First establishment
Broekbergweg 10, Maaseik
Incorporation
published on 15-12-1998 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JM IMMO Maaseik | €1.4m | €12,429 | 94.0% | - |
| UNITS Ardooie | €1.4m | €18,115 | 63.2% | - |
| HENRI SNOECK Thimister-Clermont | €0.9m | €13,551 | 83.0% | - |
| L.F.-SERVICE Charleroi | €0.9m | €14,634 | 86.8% | - |
| ALL TECHNICAL INDUSTRIAL PRODUCTS Antwerp | €1.1m | €18,252 | 66.1% | - |
| A.T.C. Depa Zedelgem | €0.8m | €22,896 | 99.4% | - |
| DEZITTER - DEVOS Diksmuide | €0.6m | €18,361 | 89.9% | - |
These companies have the same main activity as JM IMMO: machining of metals (NACE 25530). They are comparable in size and age: total assets between €611,000 and €1.4m, founded between 1988 and 2004.
Official details
Source: KBO- Status
- Active since 02-12-1998Normal situation
- Activity
- Machining of metalsNACE 25530
- Establishment unit
- 2.089.726.1313680 Maaseik, since 17-12-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Insights on JM IMMO
JM IMMO files the micro format. That format states no turnover. The gross margin fell from €558,294 in 2007 to €12,429 in 2025.
The balance sheet grew most from 2010 to 2011 through fixed assets, financed with long-term debt.
JM HOLDING holds 99% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JM IMMO
- What is the company number of JM IMMO?
- The company number of JM IMMO is 0464.720.961. The VAT number is the same number with BE in front: BE 0464.720.961.
- Where is JM IMMO based?
- The registered office is at Broekbergweg 10, 3680 Maaseik.Company details
- What does JM IMMO do?
- According to the KBO register, the main activity is machining of metals (NACE 25530).
- What is the legal form of JM IMMO?
- JM IMMO is a private limited company (pre-2019) (BVBA).
- When was JM IMMO founded?
- JM IMMO was founded on 02-12-1998.
- Is JM IMMO still active?
- Yes, JM IMMO is an active enterprise in the KBO register.
- What is the turnover of JM IMMO?
- The turnover in financial year 2025 is ≈ €84,000. This figure is estimated from the gross margin of €12,429 and 35 comparable companies (NACE 25). It probably lies between €35,000 and €160,000. It is a rough estimate.Financials
- Is JM IMMO profitable?
- In financial year 2025, JM IMMO made a profit of €652.
- Where can I find the annual accounts of JM IMMO?
- JM IMMO filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JM IMMO due?
- JM IMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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