Summary
JM Tech is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €16,688 and a net result of -€1,276. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 8074 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€16,688▼ 7.1%
2024 · €17,964
Net result
-€1,276
2024 · €83
Total assets
€19,796▼ 17.2%
2024 · €23,896
Solvency
84.3%▲ 9.1pp
2024 · 75.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€21,930-€637▼ 97.1%-€110
Net result€16,881within the sector's middle half-€83below the sector's middle half▼ 99.5%-€1,276below the sector's middle half
Equity€17,881below the sector's middle half-€17,964below the sector's middle half▲ 0.5%€16,688below the sector's middle half▼ 7.1%
Total assets€26,448below the sector's middle half-€23,896below the sector's middle half▼ 9.6%€19,796below the sector's middle half▼ 17.2%
Debt€8,567-€5,932▼ 30.8%€3,108▼ 47.6%
Working capital€17,881-€1,816▼ 89.8%€1,453▼ 20.0%
Solvency67.6%within the sector's middle half-75.2%within the sector's middle half▲ 7.6pp84.3%above the sector's middle half▲ 9.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €110 after €637 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19,796
Fixed assets
€15,235 ▼ 5.7%
Current assets
€4,561 ▼ 41.1%
Equity and liabilities €19,796
Equity
€16,688 ▼ 7.1%
Debt
€3,108 ▼ 47.6%
Debt's share of the balance-sheet total falls from 24.8% to 15.7%. Equity and debt are lower.
Key figures and ratios
ROE
-7.6%▼
2024 · 0.5%
ROA
-6.4%▼
2024 · 0.3%
Debt ≤ 1 year
€3,108▼
2024 · €5,932
Income taxes
€490▼
2024 · €500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2,220 | €3,224 | ▲ 45.2% |
| Gross operating margin9900 | €21,930 | €2,857 | €3,114 | ▲ 9.0% |
| Operating profit (loss)9901 | €21,930 | €637 | -€110 | ▼ 117% |
| Financial income75/76B | €1 | - | - | - |
| Recurring financial income75 | €1 | - | - | - |
| Financial charges65/66B | €250 | €54 | €676 | ▲ 1,152% |
| Recurring financial charges65 | €250 | €54 | €676 | ▲ 1,152% |
| Profit (loss) for the period before taxes9903 | €21,681 | €583 | -€786 | ▼ 235% |
| Income taxes67/77 | €4,800 | €500 | €490 | ▼ 2.0% |
| Profit (loss) for the period9904 | €16,881 | €83 | -€1,276 | ▼ 1,637% |
| Profit (loss) for the period to be appropriated9905 | €16,881 | €83 | -€1,276 | ▼ 1,637% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €26,448 | €23,896 | €19,796 | ▼ 17.2% |
| Fixed assets21/28 | - | €16,148 | €15,235 | ▼ 5.7% |
| Tangible fixed assets22/27 | - | €16,148 | €15,235 | ▼ 5.7% |
| Land and buildings22 | - | €6,833 | €6,103 | ▼ 10.7% |
| Plant, machinery and equipment23 | - | €1,787 | €2,290 | ▲ 28.1% |
| Furniture and vehicles24 | - | €7,528 | €6,842 | ▼ 9.1% |
| Current assets29/58 | €26,448 | €7,748 | €4,561 | ▼ 41.1% |
| Amounts receivable within one year40/41 | €16,405 | - | - | - |
| Trade receivables40 | €16,405 | - | - | - |
| Cash at bank and in hand54/58 | €7,460 | €5,166 | €3,388 | ▼ 34.4% |
| Deferred charges and accrued income490/1 | €2,583 | €2,582 | €1,173 | ▼ 54.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €26,448 | €23,896 | €19,796 | ▼ 17.2% |
| Equity10/15 | €17,881 | €17,964 | €16,688 | ▼ 7.1% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | €16,881 | €16,964 | €15,688 | ▼ 7.5% |
| Amounts payable17/49 | €8,567 | €5,932 | €3,108 | ▼ 47.6% |
| Amounts payable within one year42/48 | €8,567 | €5,932 | €3,108 | ▼ 47.6% |
| Trade debts44 | €1,799 | €1,529 | €1,394 | ▼ 8.8% |
| Suppliers440/4 | €1,799 | €1,529 | €1,394 | ▼ 8.8% |
| Taxes, remuneration and social security45 | €6,656 | €4,068 | €1,679 | ▼ 58.7% |
| Taxes450/3 | €6,656 | €4,068 | €1,679 | ▼ 58.7% |
| Other amounts payable47/48 | €112 | €335 | €35 | ▼ 89.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,881 | €83 | -€1,276 | ▼ 1,637% |
| + Depreciation and write-downs630 | - | €2,220 | €3,224 | ▲ 45.2% |
| Operating cash flow (approximation) | €16,881 | €2,303 | €1,948 | ▼ 15.4% |
| Investment in fixed assets (approximation) | - | - | -€2,311 | - |
| Change in cash | - | -€2,294 | -€1,778 | ▲ 22.5% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€1,276
Net result drops to -€1,276, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kapelle-op-den-Bos · 1 establishment unit since 2022
Ground area
417 m²
Building footprint
231 m²
Volume, LiDAR
1,305 m³
Parcel 23056C0080/00K000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JM Tech
since 20222.334.548.785
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23056C0080/00K000 | Flanders | 417 m² | 1 · 231 m² | 10.5 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 24,729 companies in sector 64210 we hold annual accounts for 19,799. 6,769 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-07-2022
Fiscal year end30-06
Abbreviation NL
JMT
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788867643
Also
9925:BE0788867643
Registered
18-07-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.