JMA ASSURANCES
ActiveJMA ASSURANCES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €342k and a net result of €107k. Equity is growing by ~29.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.3 against 4.69 in 2024; short-term debt: 16.4% and cash: 71.9% of total assets), and 16.4% 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
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
83.6%
Return on assets
26.2%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
19 d late
2023
on the day
2022
31 d late
2021
4 d early
2020
31 d late
2019
25 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€342k▲ 45.6%
2024 · €235k
2018: €58k
2019: €63k
2020: €67k
2021: €66k
2022: €124k
2023: €142k
2024: €235k
2018 → 2025
Total assets
€410k▲ 41.7%
2024 · €289k
2018: €161k
2019: €162k
2020: €185k
2021: €151k
2022: €180k
2023: €208k
2024: €289k
2018 → 2025
Net result
€107k▲ 15.3%
2024 · €93k
2018: €17k
2019: €14k
2020: €34k
2021: €18k
2022: €58k
2023: €18k
2024: €93k
2018 → 2025
Working capital
€289k▲ 73.5%
2024 · €167k
2018: €-21k
2019: €-5k
2020: €11k
2021: €34k
2022: €80k
2023: €70k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€124k▲ 87.6%€142k▲ 14.6%€235k▲ 65.4%€342k▲ 45.6%
Operating result€27k-€85k▲ 213%€113k▲ 32.0%€135k▲ 20.0%€157k▲ 16.0%
Net result€18k-€58k▲ 228%€18k▼ 68.6%€93k▲ 412%€107k▲ 15.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€53k▼ 31.4%
Current assets
€357k▲ 68.3%
Equity and liabilities €410k
Equity
€342k▲ 45.6%
Debt
€67k▲ 24.8%
The debt ratio falls from 18.7% to 16.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€181k▲
2024 · €159k
Cash flow
€131k▲
2024 · €117k
Solvency
83.6%▲
2024 · 81.3%
Current ratio
5.30▲
2024 · 4.69
Quick ratio
5.30▲
2024 · 4.69
Debt / equity
0.20▼
2024 · 0.23
ROE
31.3%▼
2024 · 39.5%
ROA
26.2%▼
2024 · 32.2%
Interest coverage
172.95▲
2024 · 86.99
Debt
€67k▲
2024 · €54k
Debt ≤ 1 year
€67k▲
2024 · €45k
Debt > 1 year
€0▼
2024 · €9k
Income taxes
€50k▲
2024 · €40k
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€289k€410k▲
Fixed assets21/28€77k€53k▼
Tangible fixed assets22/27€77k€53k▼
Furniture and vehicles24€73k€52k▼
Other tangible fixed assets26€4k€1k▼
Current assets29/58€212k€357k▲
Amounts receivable within one year40/41€48k€57k▲
Trade receivables40€28k€23k▼
Other amounts receivable41€20k€34k▲
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€60k€295k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€289k€410k▲
Equity10/15€235k€342k▲
Contributions10/11€19k€19k=
Reserves13€215k€322k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€213k€320k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€54k€67k▲
Amounts payable after more than one year17€9k€0▼
Financial debts170/4€9k€0▼
Amounts payable within one year42/48€45k€67k▲
Current portion of amounts payable after more than one year42€17k€9k▼
Trade debts44€524€747▲
Suppliers440/4€524€747▲
Taxes, remuneration and social security45€28k€58k▲
Taxes450/3€28k€58k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€162k€183k▲
Operating profit (loss)9901€135k€157k▲
Financial income75/76B€3€2k▲
Recurring financial income75€3€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€133k€158k▲
Income taxes67/77€40k€50k▲
Profit (loss) for the period9904€93k€107k▲
Profit (loss) for the period to be appropriated9905€93k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€109k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€93k€107k▲
To other reserves6921€93k€107k▲
The notes to these accounts (15 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €107k ▲15.3%
Operating result €157k, net result €107k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €200kEq €235k ▲65.4%
7 profitable years in a row build equity to €235k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €124k ▲87.6%
5 profitable years in a row build equity to €124k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €14k ▼19%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Assesse · 1 establishment unit since 2014
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 des Grands Joncs 65336 AssesseGround area
1,805 m²
Building footprint
130 m²
Parcel 92028A0078/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
JMA ASSURANCES
since 20142.240.654.369
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92028A0078/00Y002 | Wallonia | 1,804 m² | 1 · 130 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900LIZYZHNDVSG180
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2014
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.
Contact details
2 entriesE-mail:info@jma-assurances.be
Phone:0479/06.77.87