Financials
- Financial year
- 2025
- Total assets
- €74,060
- Profit
- €23,117
- Solvency
- 33.9%
JMA ALVES
ActiveSummary
JMA ALVES has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,117 and a net result of €23,117. Its solvency ranks better than 36% of 34,356 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Activity
Other specialised construction activities
NACE 43990
1 site
Size
€74,060total assets 2025
- Equity
- €25,117
- Profit
- €23,117
Turnover not published (micro format)
Structure
Accounts 14 days early
Why 85raises riskFounded in 2024Size: total assets €74,060Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 3.56, cash €45,489Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 71% of its sector peers (NACE 43, micro)
Financial strength
Strong
Solvency
59
equity 33.9% of total assets
Liquidity
89
short-term debt 28.0% · cash 61.4%
Profitability
100
return on assets 31.2%
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.9%
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 2.0%▲ +0.1 percentage points vs 01-2026
03-2026: 2.4%▲ +0.4 percentage points vs 02-2026
04-2026: 2.4%● unchanged vs 03-2026
05-2026: 2.7%▲ +0.3 percentage points vs 04-2026
06-2026: 3.0%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 3.0%● unchanged vs 06-2026highest value
08-2026: 0.4%▼ -2.6 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.56, above the usual 1.5; short-term debt: 28% and cash: 61.4% of total assets), but 66.1% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 36% on solvency, 86% on liquidity and 93% on profitability.
The bankruptcy probability was computed on 16-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
14 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: ALVES DE JESUS Eldiro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2024
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 12-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 42
- Who signs
- Each director alone
- Annual meeting
- First Friday of June
- Purpose
- “Alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op levering van…” (deed in Dutch)
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