JMD wine consult
ActiveJMD wine consult has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €17k. Equity is growing by ~45.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency92▼-8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 5.21 in 2024; short-term debt: 32.9% and cash: 1.1% of total assets), and 32.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
67.1%
Return on assets
23.8%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
23 d late
2023
84 d late
2022
32 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 55.1%
2024 · €31k
2022: €19k
2023: €13k
2024: €31k
2022 → 2025
Total assets
€71k▲ 87.4%
2024 · €38k
2022: €34k
2023: €31k
2024: €38k
2022 → 2025
Net result
€17k▼ 1.5%
2024 · €17k
2022: €17k
2023: €-5k
2024: €17k
2022 → 2025
Working capital
€47k▲ 56.6%
2024 · €30k
2022: €12k
2023: €13k
2024: €30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€13k▼ 27.3%€31k▲ 127%€47k▲ 55.1%
Operating result€24k-€-3k€20k€24k▲ 23.1%
Net result€17k-€-5k€17k€17k▼ 1.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€192▼ 54.3%
Current assets
€70k▲ 89.0%
Equity and liabilities €71k
Equity
€47k▲ 55.1%
Debt
€23k▲ 226%
The debt ratio rises from 19.0% to 32.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €20k
Cash flow
€17k▼
2024 · €18k
Solvency
67.1%▼
2024 · 81.0%
Current ratio
3.03▼
2024 · 5.21
Quick ratio
3.03▼
2024 · 5.21
Debt / equity
0.49▲
2024 · 0.23
ROE
35.5%▼
2024 · 55.9%
ROA
23.8%▼
2024 · 45.3%
Interest coverage
36.41▲
2024 · 13.21
Debt
€23k▲
2024 · €7k
Debt ≤ 1 year
€23k▲
2024 · €7k
Income taxes
€7k▲
2024 · €1k
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€38k€71k▲
Fixed assets21/28€421€192▼
Tangible fixed assets22/27€421€192▼
Plant, machinery and equipment23€421€192▼
Current assets29/58€37k€70k▲
Amounts receivable within one year40/41€31k€69k▲
Trade receivables40€27k€63k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€5k€765▼
Deferred charges and accrued income490/1€1k€861▼
Equity and liabilities
Total equity and liabilities10/49€38k€71k▲
Equity10/15€31k€47k▲
Contributions10/11€2k€2k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€12k€29k▲
Amounts payable17/49€7k€23k▲
Amounts payable within one year42/48€7k€23k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€20k▲
Taxes450/3€5k€18k▲
Remuneration and social security454/9-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€431€229▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€21k€26k▲
Operating profit (loss)9901€20k€24k▲
Financial income75/76B€228€312▲
Recurring financial income75€228€312▲
Financial charges65/66B€2k€668▼
Recurring financial charges65€2k€668▼
Profit (loss) for the period before taxes9903€18k€24k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€17k€17k▼
Profit (loss) for the period to be appropriated9905€17k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€29k▲
Profit (loss) brought forward from the previous period14P€-5k€12k▲
The notes to these accounts (4 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.21
Current ratio from 1.70 to 5.21; short-term debt falls from €18k to €7k.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Weakest financial yearnet €-5k ▼131%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
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, Gerpinnes · 1 establishment unit since 2021
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.
Drève Sainte-Rolende 76280 GerpinnesGround area
845 m²
Building footprint
110 m²
Volume, LiDAR
678 m³
Parcel 52069B0018/00W000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JMD wine consult
since 20212.319.243.769
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52069B0018/00W000 | Wallonia | 845 m² | 1 · 110 m² | 7.8 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.
Similar companies · same sector, comparable size
SPARKX IT
BE 0739.748.625
Lessines · Eq €47k
Philippe de Beukelaar
BE 1007.537.020
Beveren-Kruibeke-Zwijndrecht · Eq €47k
BESIMMO
BE 0563.946.518
Antwerpen · Eq €47k
CGILLAIN
BE 0750.574.023
Profondeville · Eq €47k
Altaïr Group
BE 0758.662.635
Elsene · Eq €47k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jean-michel.marbaise@equilis.net