JM SECUR
ActiveJM SECUR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €51k. Equity is shrinking by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 36% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency58▼-31
Growth32=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 2.49 in 2024; short-term debt: 66.9% and cash: 87.4% of total assets), and 66.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
33.1%
Return on assets
38.1%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
61 d late
2023
27 d late
2022
31 d late
2021
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€75k
EBIT margin
27.9%
Net result
€51k▲ 228%
2024 · €16k
2021: €83k
2022: €-8k
2023: €15k
2024: €16k
2021 → 2025
Working capital
€38k▼ 12.6%
2024 · €44k
2021: €59k
2022: €66k
2023: €58k
2024: €44k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€75k
Equity€88k-€80k▼ 8.7%€60k▼ 25.0%€52k▼ 13.3%€44k▼ 15.0%
Operating result€110k-€-8k€16k€21k▲ 32.5%€69k▲ 229%
Net result€83k-€-8k€15k€16k▲ 2.3%€51k▲ 228%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 229% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€6k▼ 27.2%
Current assets
€128k▲ 74.8%
Equity and liabilities €134k
Equity
€44k▼ 15.0%
Debt
€90k▲ 205%
The debt ratio rises from 36.0% to 66.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €23k
Cash flow
€53k▲
2024 · €17k
Solvency
33.1%▼
2024 · 64.0%
Current ratio
1.43▼
2024 · 2.49
Quick ratio
1.43▼
2024 · 2.49
Debt / equity
2.02▲
2024 · 0.56
ROE
115.1%▲
2024 · 29.8%
ROA
38.1%▲
2024 · 19.1%
Interest coverage
962.46▲
2024 · 219.95
Debt
€90k▲
2024 · €29k
Debt ≤ 1 year
€90k▲
2024 · €29k
Income taxes
€19k▲
2024 · €5k
Staff costs
€105
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€81k€134k▲
Formation expenses20€42€0▼
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€363€363=
Current assets29/58€73k€128k▲
Amounts receivable within one year40/41€8k€9k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€63k€117k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€81k€134k▲
Equity10/15€52k€44k▼
Contributions10/11€5k€5k=
Outside capital11-€5k
Other1109/19-€5k
Reserves13€75k€75k=
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Distributable reserves133€74k€74k=
Profit (loss) carried forward14€-28k€-36k▼
Amounts payable17/49€29k€90k▲
Amounts payable within one year42/48€29k€90k▲
Trade debts44€760€35▼
Suppliers440/4€760€35▼
Taxes, remuneration and social security45€9k€41k▲
Taxes450/3€9k€41k▲
Other amounts payable47/48€20k€48k▲
Income statement
Code20242025
Turnover70€75k-
Non-recurring operating income76A-€39k
Goods, raw materials, services and sundry goods60/61€53k-
Remuneration, social security and pensions62-€105
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8-€18
Gross operating margin9900€23k€71k▲
Operating profit (loss)9901€21k€69k▲
Financial income75/76B-€693
Recurring financial income75-€693
Financial charges65/66B€104€74▼
Recurring financial charges65€104€74▼
Profit (loss) for the period before taxes9903€21k€70k▲
Income taxes67/77€5k€19k▲
Profit (loss) for the period9904€16k€51k▲
Profit (loss) for the period to be appropriated9905€16k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€23k▲
Profit (loss) brought forward from the previous period14P€-28k€-28k=
Transfer from equity791/2€8k-
Profit to be distributed694/7€24k€59k▲
Return on contributions (dividend)694€24k€59k▲
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼109%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Houyet · 1 establishment unit since 2020
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.
Rue de Bennui, M.-St-Blaise 45560 HouyetGround area
3,480 m²
Building footprint
206 m²
Volume, LiDAR
1,218 m³
2 parcels, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JM SECUR
since 20202.308.322.757
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91090D0832/00D000 | Wallonia | 1,758 m² | - | - |
| 84050A1299/00G000 | Wallonia | 1,722 m² | 1 · 206 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,328 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2020
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.