JM IT Solutions
ActiveSummary
JM IT Solutions has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €23k. Equity is growing by ~95.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▼-22
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 2.14 in 2024; short-term debt: 58% and cash: 35.3% of total assets), and 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
42%
Return on assets
56.7%
Age of the figures
9 mo
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 23-03-2026, 130 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
130 d early
2024
38 d early
2023
28 d late
2022
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 50.0%
2024 · €12k
2022: €-4k
2023: €2k
2024: €12k
2022 → 2025
Total assets
€41k▲ 130%
2024 · €18k
2022: €8k
2023: €7k
2024: €18k
2022 → 2025
Net result
€23k▲ 150%
2024 · €9k
2022: €-9k
2023: €6k
2024: €9k
2022 → 2025
Working capital
€11k▲ 54.8%
2024 · €7k
2022: €-4k
2023: €706
2024: €7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-4k-€2k€12k▲ 422%€17k▲ 50.0%
Operating result€-7k-€8k€14k▲ 82.4%€31k▲ 124%
Net result€-9k-€6k€9k▲ 60.0%€23k▲ 150%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 124% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€6k ▲ 41.8%
Current assets
€35k ▲ 158%
Equity and liabilities €41k
Equity
€17k ▲ 50.0%
Debt
€24k ▲ 275%
Debt's share of the balance-sheet total rises from 35.6% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €15k
Cash flow
€25k▲
2024 · €10k
Current ratio
1.47▼
2024 · 2.14
Debt to equity
1.38▲
2024 · 0.55
ROE
135.0%▲
2024 · 80.9%
ROA
56.7%▲
2024 · 52.1%
Interest coverage
28.21▲
2024 · 8.42
Debt ≤ 1 year
€24k▲
2024 · €6k
Income taxes
€7k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18k€41k▲
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€4k€6k▲
Plant, machinery and equipment23€1k€0▼
Furniture and vehicles24€3k€6k▲
Current assets29/58€14k€35k▲
Amounts receivable within one year40/41€4k€20k▲
Trade receivables40€993€6k▲
Other amounts receivable41€3k€14k▲
Cash at bank and in hand54/58€9k€15k▲
Deferred charges and accrued income490/1€934€462▼
Equity and liabilities
Total equity and liabilities10/49€18k€41k▲
Equity10/15€12k€17k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€7k€12k▲
Amounts payable17/49€6k€24k▲
Amounts payable within one year42/48€6k€24k▲
Trade debts44€640€514▼
Suppliers440/4€640€514▼
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€6k€4k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€18k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€528€1k▲
Other operating charges640/8€502€943▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€15k€35k▲
Operating profit (loss)9901€14k€31k▲
Financial income75/76B€8€2▼
Recurring financial income75€8€2▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€12k€30k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€9k€23k▲
Profit (loss) for the period to be appropriated9905€9k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€30k▲
Profit (loss) brought forward from the previous period14P€-3k€7k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (16 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €23k ▲150%
Operating result €31k, net result €23k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beersel · 1 establishment unit since 2022
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.
Bloemhofstraat 11650 BeerselGround area
491 m²
Building footprint
94 m²
Volume, LiDAR
484 m³
Parcel 23003A0604/00G002, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JM IT Solutions
since 20222.328.482.921
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003A0604/00G002 | Flanders | 491 m² | 1 · 94 m² | 6.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 12,388 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
56210Event catering
62100Computer programming
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.