JM Quality
ActiveJM Quality has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €12k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (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
Profitability80▲+3
Solvency75▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.35 in 2024; short-term debt: 22.8% and cash: 36.4% of total assets), and 49.8% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
50.2%
Return on assets
9.1%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
51 d early
2023
16 d early
2022
7 d early
2021
31 d late
2020
4 d late
2019
2 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 5.7%
2024 · €64k
2018: €21k
2019: €29k
2020: €39k
2021: €57k
2022: €55k
2023: €54k
2024: €64k
2018 → 2025
Total assets
€135k▼ 6.1%
2024 · €143k
2018: €53k
2019: €56k
2020: €59k
2021: €120k
2022: €122k
2023: €104k
2024: €143k
2018 → 2025
Net result
€12k▲ 25.7%
2024 · €10k
2018: €8k
2019: €7k
2020: €10k
2021: €18k
2022: €3k
2023: €-450
2024: €10k
2018 → 2025
Working capital
€43k▲ 9.1%
2024 · €39k
2018: €12k
2019: €20k
2020: €34k
2021: €41k
2022: €39k
2023: €48k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€55k▼ 3.7%€54k▼ 0.8%€64k▲ 18.1%€68k▲ 5.7%
Operating result€27k-€7k▼ 75.3%€2k▼ 71.9%€15k▲ 707%€20k▲ 33.4%
Net result€18k-€3k▼ 81.6%€-450€10k€12k▲ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€61k▼ 18.7%
Current assets
€73k▲ 7.8%
Equity and liabilities €135k
Equity
€68k▲ 5.7%
Debt
€67k▼ 15.6%
The debt ratio falls from 55.4% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €28k
Cash flow
€34k▲
2024 · €23k
Solvency
50.2%▲
2024 · 44.6%
Current ratio
2.39▲
2024 · 2.35
Quick ratio
2.37▲
2024 · 1.89
Debt / equity
0.99▼
2024 · 1.24
ROE
18.2%▲
2024 · 15.3%
ROA
9.1%▲
2024 · 6.8%
Interest coverage
25.46▼
2024 · 38.39
Debt
€67k▼
2024 · €79k
Debt ≤ 1 year
€31k▲
2024 · €29k
Debt > 1 year
€24k▼
2024 · €38k
Income taxes
€6k▲
2024 · €5k
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€143k€135k▼
Fixed assets21/28€75k€61k▼
Tangible fixed assets22/27€75k€61k▼
Land and buildings22€1k€701▼
Plant, machinery and equipment23€1k€646▼
Furniture and vehicles24€60k€48k▼
Other tangible fixed assets26€13k€12k▼
Current assets29/58€68k€73k▲
Stocks and contracts in progress3€13k€515▼
Stocks30/36€407€515▲
Contracts in progress37€13k€0▼
Amounts receivable within one year40/41€21k€23k▲
Trade receivables40€16k€15k▼
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€32k€49k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€143k€135k▼
Equity10/15€64k€68k▲
Contributions10/11€6k€6k=
Reserves13€58k€61k▲
Distributable reserves133€58k€61k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€79k€67k▼
Amounts payable after more than one year17€38k€24k▼
Financial debts170/4€38k€24k▼
Amounts payable within one year42/48€29k€31k▲
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€4k€4k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€368€9k▲
Accrued charges and deferred income492/3€13k€13k▼
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€21k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€34k€43k▲
Operating profit (loss)9901€15k€20k▲
Financial income75/76B€16€103▲
Recurring financial income75€16€103▲
Financial charges65/66B€726€2k▲
Recurring financial charges65€726€2k▲
Profit (loss) for the period before taxes9903€14k€19k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€12k▲
Transfer from equity791/2€0€9k▲
Transfer to equity691/2€10k€12k▲
To other reserves6921€10k€12k▲
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
The notes to these accounts (8 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-450 ▼114%
Net result drops to €-450, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €18k ▲68.9%
Operating result €27k, net result €18k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bilzen-Hoeselt · 1 establishment unit since 2010
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.
Kleistraat 483740 Bilzen-HoeseltGround area
3,217 m²
Building footprint
151 m²
Volume, LiDAR
695 m³
Parcel 73005F0164/00A002, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Algemene Pleisterwerken Jan Martens
since 20102.186.440.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73005F0164/00A002 | Flanders | 3,217 m² | 1 · 151 m² | 6.5 m · 1 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
SAYGIN
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M. DEMUYNCK
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Gevelbepleistering Vliegen
BE 0839.107.507
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CEYLAN OKUTAN ET FILS
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Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2010
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
25110Manufacture of metal structures and parts of structures
33120Repair and maintenance of machinery
42110Construction of roads and motorways
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.