JM-JACK
ActiveSummary
JM-JACK has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,653 and a net result of €12,828. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 9436 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+2
Solvency76▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.09 in 2024; short-term debt: 39.1% of total assets), and 49% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
51%
Return on assets
16.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €38,653
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 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
14 d early
2022
44 d late
2021
2 d early
2020
25 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12,828▼ 15.6%
2024 · €15,195
Working capital
€14,300▲ 216%
2024 · €4,525
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€852€2,172▲ 155%€17,479▲ 705%€24,026▲ 37.5%€18,963▼ 21.1%
Net result-€836within the sector's middle half▲ 82.6%-€7within the sector's middle half▲ 99.1%€10,471within the sector's middle half€15,195within the sector's middle half▲ 45.1%€12,828within the sector's middle half▼ 15.6%
Equity€166below the sector's middle half▼ 83.4%€158below the sector's middle half▼ 4.5%€10,630below the sector's middle half▲ 6,611%€25,825below the sector's middle half▲ 143%€38,653below the sector's middle half▲ 49.7%
Total assets€8,996below the sector's middle half▼ 39.6%€8,327below the sector's middle half▼ 7.4%€94,640below the sector's middle half▲ 1,037%€97,107below the sector's middle half▲ 2.6%€75,785below the sector's middle half▼ 22.0%
Debt€8,830▼ 36.4%€8,168▼ 7.5%€84,010▲ 928%€71,282▼ 15.2%€37,132▼ 47.9%
Working capital€166within the sector's middle half▼ 83.4%€158within the sector's middle half▼ 4.5%-€8,545within the sector's middle half€4,525within the sector's middle half€14,300within the sector's middle half▲ 216%
Solvency1.8%below the sector's middle half▼ 4.9pp1.9%below the sector's middle half▲ 0.1pp11.2%within the sector's middle half▲ 9.3pp26.6%within the sector's middle half▲ 15.4pp51.0%within the sector's middle half▲ 24.4pp
Current ratio1.02within the sector's middle half▼ 0.051.02within the sector's middle half=0.84within the sector's middle half▼ 0.181.09within the sector's middle half▲ 0.251.48within the sector's middle half▲ 0.39
Return on assets (ROA)-9.3%below the sector's middle half▲ 23.0pp-0.1%within the sector's middle half▲ 9.2pp11.1%above the sector's middle half▲ 11.2pp15.6%above the sector's middle half▲ 4.6pp16.9%above the sector's middle half▲ 1.3pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75,785
Fixed assets
€31,831 ▼ 22.0%
Current assets
€43,954 ▼ 21.9%
Equity and liabilities €75,785
Equity
€38,653 ▲ 49.7%
Debt
€37,132 ▼ 47.9%
Debt's share of the balance-sheet total falls from 73.4% to 49.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27,943▼
2024 · €33,006
Cash flow
€21,808▼
2024 · €24,175
Debt to equity
0.96▼
2024 · 2.76
ROE
33.2%▼
2024 · 58.8%
Interest coverage
13.77▲
2024 · 8.91
Debt ≤ 1 year
€29,654▼
2024 · €51,770
Debt > 1 year
€7,478▼
2024 · €19,511
Income taxes
€4,107▼
2024 · €5,125
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €4,109 | €8,980 | €8,980 | = |
| Other operating charges640/8 | €1,288 | €217 | €4,539 | €6,168 | €6,977 | ▲ 13.1% |
| Non-recurring operating charges66A | - | - | - | €11,191 | - | - |
| Gross operating margin9900 | €2,140 | €2,389 | €26,127 | €50,365 | €34,920 | ▼ 30.7% |
| Operating profit (loss)9901 | €852 | €2,172 | €17,479 | €24,026 | €18,963 | ▼ 21.1% |
| Financial income75/76B | €6 | - | - | - | €1 | - |
| Recurring financial income75 | €6 | - | - | - | €1 | - |
| Financial charges65/66B | €386 | €438 | €2,241 | €3,705 | €2,029 | ▼ 45.2% |
| Recurring financial charges65 | €386 | €438 | €2,241 | €3,705 | €2,029 | ▼ 45.2% |
| Profit (loss) for the period before taxes9903 | €472 | €1,734 | €15,238 | €20,321 | €16,934 | ▼ 16.7% |
| Income taxes67/77 | €1,308 | €1,741 | €4,767 | €5,125 | €4,107 | ▼ 19.9% |
| Profit (loss) for the period9904 | -€836 | -€7 | €10,471 | €15,195 | €12,828 | ▼ 15.6% |
| Profit (loss) for the period to be appropriated9905 | -€836 | -€7 | €10,471 | €15,195 | €12,828 | ▼ 15.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8,996 | €8,327 | €94,640 | €97,107 | €75,785 | ▼ 22.0% |
| Fixed assets21/28 | - | - | €49,791 | €40,811 | €31,831 | ▼ 22.0% |
| Tangible fixed assets22/27 | - | - | €40,791 | €31,811 | €22,831 | ▼ 28.2% |
| Furniture and vehicles24 | - | - | €40,791 | €31,811 | €22,831 | ▼ 28.2% |
| Financial fixed assets28 | - | - | €9,000 | €9,000 | €9,000 | = |
| Current assets29/58 | €8,996 | €8,327 | €44,848 | €56,295 | €43,954 | ▼ 21.9% |
| Amounts receivable within one year40/41 | €8,996 | €8,327 | €43,250 | €56,295 | €43,484 | ▼ 22.8% |
| Trade receivables40 | €7,184 | €4,683 | €39,571 | €46,657 | €24,815 | ▼ 46.8% |
| Other amounts receivable41 | €1,812 | €3,644 | €3,679 | €9,638 | €18,669 | ▲ 93.7% |
| Cash at bank and in hand54/58 | - | - | €1,598 | - | - | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €470 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8,996 | €8,327 | €94,640 | €97,107 | €75,785 | ▼ 22.0% |
| Equity10/15 | €166 | €158 | €10,630 | €25,825 | €38,653 | ▲ 49.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Outside capital11 | €6,200 | €6,200 | - | - | - | - |
| Other1109/19 | €6,200 | €6,200 | - | - | - | - |
| Profit (loss) carried forward14 | -€6,034 | -€6,042 | €4,430 | €19,625 | €32,453 | ▲ 65.4% |
| Amounts payable17/49 | €8,830 | €8,168 | €84,010 | €71,282 | €37,132 | ▼ 47.9% |
| Amounts payable after more than one year17 | - | - | €30,617 | €19,511 | €7,478 | ▼ 61.7% |
| Financial debts170/4 | - | - | €30,617 | €19,511 | €7,478 | ▼ 61.7% |
| Amounts payable within one year42/48 | €8,830 | €8,168 | €53,393 | €51,770 | €29,654 | ▼ 42.7% |
| Current portion of amounts payable after more than one year42 | - | - | €10,249 | €11,106 | €11,106 | = |
| Financial debts43 | €809 | €1,780 | - | €2,164 | €2,409 | ▲ 11.3% |
| Credit institutions430/8 | €809 | €1,780 | - | €2,164 | €2,409 | ▲ 11.3% |
| Trade debts44 | €705 | €1,211 | €25,028 | €23,645 | €1,834 | ▼ 92.2% |
| Suppliers440/4 | €705 | €1,211 | €25,028 | €23,645 | €1,834 | ▼ 92.2% |
| Taxes, remuneration and social security45 | €7,317 | €5,177 | €13,211 | €14,855 | €14,306 | ▼ 3.7% |
| Taxes450/3 | €7,317 | €5,177 | €13,211 | €14,855 | €14,306 | ▼ 3.7% |
| Other amounts payable47/48 | - | - | €4,905 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€836 | -€7 | €10,471 | €15,195 | €12,828 | ▼ 15.6% |
| + Depreciation and write-downs630 | - | - | €4,109 | €8,980 | €8,980 | = |
| Operating cash flow (approximation) | -€836 | -€7 | €14,580 | €24,175 | €21,808 | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2019net €15,195 ▲45.1%
Operating result €24,026, net result €15,195, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €10,471
Net result €10,471 after 4 loss-making years.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 44 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€4,808
Net result drops to -€4,808, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Grimbergen · 1 establishment unit since 2019
Ground area
494 m²
Building footprint
83 m²
Volume, LiDAR
359 m³
Parcel 23403G0122/00C000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Sprietmolenstraat 16, 1850 Grimbergen
since 20192.288.566.035
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23403G0122/00C000 | Flanders | 494 m² | 1 · 83 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 12,040 companies in this sector we hold annual accounts for 6,007. 2,818 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded25-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
43331Floor and wall tiling
95316Washing and cleaning of motor vehicles
49410Freight transport by road
53200Other postal and courier activities
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
82100Office administrative and support services
85532Education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0723553187
Registered
11-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.