JMB REPRESENTATIONS
ActiveJMB REPRESENTATIONS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €6k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 2464 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+76
Solvency67▼-19
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.55 in 2023; short-term debt: 47.7% and cash: 16.5% of total assets), but 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Sector 90
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42%
Return on assets
5.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
58 d late
2022
31 d late
2021
18 d early
2020
19 d late
2019
108 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€45k▲ 15.3%
2023 · €39k
2018: €31k
2019: €27k
2020: €21k
2021: €19k
2022: €51k
2023: €39k
2018 → 2024
Total assets
€107k▲ 67.7%
2023 · €64k
2018: €103k
2019: €59k
2020: €64k
2021: €45k
2022: €115k
2023: €64k
2018 → 2024
Net result
€6k
2023 · €-12k
2018: €3k
2019: €-4k
2020: €4k
2021: €-2k
2022: €31k
2023: €-12k
2018 → 2024
Working capital
€34k▼ 10.7%
2023 · €38k
2018: €3k
2019: €1k
2020: €7k
2021: €17k
2022: €50k
2023: €38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€19k▼ 8.5%€51k▲ 164%€39k▼ 23.3%€45k▲ 15.3%
Operating result€7k-€2k▼ 74.8%€51k▲ 2,625%€-11k€12k
Net result€4k-€-2k€31k€-12k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €12k after a loss of €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €107k
Fixed assets
€22k▲ 3,916%
Current assets
€85k▲ 35.0%
Equity and liabilities €107k
Equity
€45k▲ 15.3%
Debt
€62k▲ 150%
The debt ratio rises from 38.9% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2023 · €-10k
Cash flow
€7k▲
2023 · €-11k
Solvency
42.0%▼
2023 · 61.1%
Current ratio
1.67▼
2023 · 2.55
Quick ratio
1.05▼
2023 · 1.65
Debt / equity
1.38▲
2023 · 0.64
ROE
13.3%▲
2023 · -30.4%
ROA
5.6%▲
2023 · -18.6%
Interest coverage
17.76▲
2023 · -44.12
Debt
€62k▲
2023 · €25k
Debt ≤ 1 year
€51k▲
2023 · €25k
Debt > 1 year
€11k
Income taxes
€6k▲
2023 · €906
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€64k€107k▲
Fixed assets21/28€537€22k▲
Tangible fixed assets22/27€537€22k▲
Furniture and vehicles24-€21k
Other tangible fixed assets26€537€358▼
Current assets29/58€63k€85k▲
Stocks and contracts in progress3€22k€32k▲
Stocks30/36€22k€32k▲
Amounts receivable within one year40/41€24k€30k▲
Trade receivables40€17k€16k▼
Other amounts receivable41€7k€14k▲
Cash at bank and in hand54/58€17k€18k▲
Deferred charges and accrued income490/1€0€6k▲
Equity and liabilities
Total equity and liabilities10/49€64k€107k▲
Equity10/15€39k€45k▲
Contributions10/11€19k€19k=
Reserves13€30k€30k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-10k€-4k▲
Amounts payable17/49€25k€62k▲
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€25k€51k▲
Current portion of amounts payable after more than one year42€0€5k▲
Trade debts44€16k€41k▲
Suppliers440/4€16k€41k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€0-
Income statement
Code20232024
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€542€897▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-7k€15k▲
Operating profit (loss)9901€-11k€12k▲
Financial income75/76B€100€350▲
Recurring financial income75€100€350▲
Financial charges65/66B€232€722▲
Recurring financial charges65€232€722▲
Profit (loss) for the period before taxes9903€-11k€12k▲
Income taxes67/77€906€6k▲
Profit (loss) for the period9904€-12k€6k▲
Profit (loss) for the period to be appropriated9905€-12k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-4k▲
Profit (loss) brought forward from the previous period14P€0€-10k▼
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Weakest financial yearnet €-12k ▼137%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Knokke-Heist · 1 establishment unit since 2009
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.
Meerlaan 38/408300 Knokke-HeistGround area
121 m²
Building footprint
121 m²
Volume, LiDAR
786 m³
Parcel 31013C0150/00G000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JMB REPRESENTATIONS
since 20092.183.106.942
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0150/00G000 | Flanders | 121 m² | 1 · 121 m² | 10.4 m · 2 fl. |
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.
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Of 3,394 companies in sector 90393 we hold annual accounts for 939. 734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2009
Fiscal year end31-12
Activities, NACEBEL
90393Specialised image, lighting and sound technical services
47400Retail sale of information and communication equipment
47430Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.