JMB INTERIEURBOUW
ActiveSummary
JMB INTERIEURBOUW has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204k and a net result of €-9k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 76% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 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
Profitability58▼-21
Solvency96▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 4.05 in 2024; short-term debt: 15.2% and cash: 32% of total assets), and 28.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
23 d late
2022
29 d late
2021
8 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€204k▼ 4.1%
2024 · €213k
2018: €146k
2019: €173k
2020: €150k
2021: €147k
2022: €193k
2023: €185k
2024: €213k
2018 → 2025
Total assets
€287k▼ 12.4%
2024 · €328k
2018: €316k
2019: €297k
2020: €265k
2021: €276k
2022: €294k
2023: €247k
2024: €328k
2018 → 2025
Net result
€-9k
2024 · €28k
2018: €22k
2019: €28k
2020: €36k
2021: €43k
2022: €46k
2023: €35k
2024: €28k
2018 → 2025
Working capital
€110k▼ 12.1%
2024 · €125k
2018: €85k
2019: €119k
2020: €89k
2021: €94k
2022: €134k
2023: €124k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€193k▲ 31.0%€185k▼ 4.1%€213k▲ 15.1%€204k▼ 4.1%
Operating result€65k-€67k▲ 3.5%€55k▼ 18.2%€45k▼ 17.2%€-4k
Net result€43k-€46k▲ 6.7%€35k▼ 23.3%€28k▼ 20.4%€-9k
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 €4k after €45k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €287k
Fixed assets
€133k ▼ 17.5%
Current assets
€154k ▼ 7.4%
Equity and liabilities €287k
Equity
€204k ▼ 4.1%
Debt
€83k ▼ 27.9%
Debt's share of the balance-sheet total falls from 35.0% to 28.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €60k
Cash flow
€20k▼
2024 · €42k
Current ratio
3.51▼
2024 · 4.05
Debt to equity
0.40▼
2024 · 0.54
ROE
-4.2%▼
2024 · 13.1%
ROA
-3.0%▼
2024 · 8.5%
Interest coverage
5.22▼
2024 · 15.08
Debt ≤ 1 year
€44k▲
2024 · €41k
Debt > 1 year
€39k▼
2024 · €74k
Staff costs
€57k▼
2024 · €60k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€328k€287k▼
Fixed assets21/28€162k€133k▼
Tangible fixed assets22/27€162k€133k▼
Land and buildings22€94k€88k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€59k€38k▼
Current assets29/58€166k€154k▼
Amounts receivable within one year40/41€48k€58k▲
Trade receivables40€34k€36k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€114k€92k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€328k€287k▼
Equity10/15€213k€204k▼
Contributions10/11€19k€19k=
Reserves13€194k€194k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€192k€192k=
Profit (loss) carried forward14-€-9k
Amounts payable17/49€115k€83k▼
Amounts payable after more than one year17€74k€39k▼
Financial debts170/4€74k€39k▼
Amounts payable within one year42/48€41k€44k▲
Current portion of amounts payable after more than one year42€35k€35k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3-€2k
Remuneration and social security454/9€2k-
Other amounts payable47/48€36€12▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€60k€57k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€29k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€121k€85k▼
Operating profit (loss)9901€45k€-4k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€41k€-9k▼
Income taxes67/77€13k-
Profit (loss) for the period9904€28k€-9k▼
Profit (loss) for the period to be appropriated9905€28k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€-9k▼
Transfer to equity691/2€28k-
To other reserves6921€28k-
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k ▼131%
Net result drops to €-9k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €213k ▲15.1%
7 profitable years in a row build equity to €213k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 7.77
Current ratio from 3.84 to 7.77; short-term debt falls from €47k to €18k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €46k ▲6.7%
Operating result €67k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲31%
5 profitable years in a row build equity to €193k.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Show earlier events
2019
31-12
Financial
Equity above €150kEq €173k ▲19%
2 profitable years in a row build equity to €173k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Bilzen-Hoeselt · 1 establishment unit since 2004
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.
Burgemeester Haffmansplein 13740 Bilzen-HoeseltGround area
3,641 m²
Building footprint
1,428 m²
Volume, LiDAR
9,410 m³
2 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HB&V
since 20042.136.585.049
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006F0877/00C000 | Flanders | 2,701 m² | 1 · 1,094 m² | 7.0 m · 2 fl. |
| 73006H0829/00X000 | Flanders | 941 m² | 1 · 333 m² | 12.4 m · 3 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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K & G
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PREFABOIS
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-04-2004
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43332Laying of wooden floor and wall coverings
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.