Age17 yrs
Real estate1 parcel · 77 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of JMDL is 0.3% (very low). The 2024 annual accounts show equity of €7k and a net result of €-9k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 12488 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 21-08-2025 | 21 d late | 2025-00425072 |
| 31-12-2023 | 31-07-2024 | 28-08-2024 | 28 d late | 2024-00431613 |
| 31-12-2022 | 31-07-2023 | 30-08-2023 | 30 d late | 2023-00438486 |
| 31-12-2021 | 31-07-2022 | 02-09-2022 | 33 d late | 2022-20404803 |
| 31-12-2020 | 31-07-2021 | 28-07-2021 | 3 d early | 2021-42900141 |
| 31-12-2019 | 31-07-2020 | 26-09-2020 | 57 d late | 2020-58500079 |
| 31-12-2018 | 31-07-2019 | 13-06-2019 | 48 d early | 2019-19000575 |
| 31-12-2017 | 31-07-2018 | 31-08-2018 | 31 d late | 2018-55500169 |
| 31-12-2016 | 31-07-2017 | 30-08-2017 | 30 d late | 2017-50400404 |
| 31-12-2015 | 31-07-2016 | 02-08-2016 | 2 d late | 2016-40800203 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Annual accounts: weaker financial profile
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€0-100.0%
EBIT margin-98365900.0%-98365929.6pp
Net result€-9k
Working capital€7k-57.5%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~10.2%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 73.7% | 60.5% | |
| Net result | €-9k | €31k | |
| Equity | €7k | €63k | |
| Gross operating margin | €-10k | €52k | |
| Total assets | €9k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P70
Improving position over 2020-2024
· n=1438-12488
P8
Weakening position over 2020-2024
· n=1438-12490
P14
Stable position over 2020-2024
· n=1441-12496
P5
Weakening position over 2020-2024
· n=1436-12475
Describes the position versus peers, not a forecast.
€0
-100.0%
18-24
€11k
+34.4%
18-24
€-9k
-
18-24
€6k
-26.2%
18-24
€9k
-67.3%
18-24
€7k
-57.5%
18-24
€7k
-57.5%
18-24
€-747
-
18-24
Show 11 other metrics
€2k
-80.2%
18-24
€2k
-80.2%
18-24
3.80
+64.8%
18-24
3.80
+64.8%
18-24
73.7%
+30.2%
18-24
0.36
-53.4%
18-24
-135.1%
-
18-24
-99.5%
-
18-24
-91382100.0%
-
18-24
25.7%
+37.7%
18-24
102.43
-
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €0 |
| EBITDA | - |
| Net profit | €-9k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €-747 |
| Dividends | - |
| Total assets | €9k |
| Equity | €7k |
| Debt | €2k |
| of which ≤ 1y | €2k |
| of which > 1y | - |
| Working capital | €7k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 3.80 |
| Quick ratio | 3.80 |
| Working capital ratio | 73.7% |
| Solvency | 73.7% |
| Debt / equity | 0.36 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | -97734900.0% |
| Net margin | -91382100.0% |
| ROA | -99.5% |
| ROE | -135.1% |
| EBITDA margin | - |
| Days sales outstanding | 236296620d |
| Days payable outstanding | 65d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €9k |
| Current assets | 29/58 | €9k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €9k |
| Equity | 10/15 | €7k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €9k |
| Accumulated profits (losses) | 14 | €-8k |
| Amounts payable | 17/49 | €2k |
| Amounts payable within one year | 42/48 | €2k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Turnover | 70 | €0 |
| Gross operating margin | 9900 | €-10k |
| Operating result | 9901 | €-10k |
| Financial charges | 65 | €48 |
| Result before taxes | 9903 | €-10k |
| Income taxes | 67/77 | €-747 |
| Net result for the period | 9904 | €-9k |
| Result to be appropriated | 9905 | €-9k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed62
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 de l'Eglise 201301 WavreEstablishment units
1 locationJMDL
since 20092.175.632.893
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area77 m²
Buildings1
Building footprint129 m²
Volume (LiDAR)556 m³
Tallest building6.4 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006D0015/00X000 | Wallonia | 77 m² | 1 · 129 m² | 6.4 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts Address history · 2
18-03-2020
v3.2
03-01-2020
v3.2
All acts · 4
updated 2 months ago
2026
02-06-2026 Notarial deed · General meeting · Incorporation · Auditor mandate
- Publication: 2026-06-02 · JMDL
- Filing: 2026-05-19 · JMDL
- Notarial deed: 2026-03-31 · JMDL
- General meeting: 2026-03-31 · JMDL
- Incorporation: 2009-01-15 · JMDL
- Auditor mandate: 2026-01-20 · DEPRIEZ Morgane
- Auditor report: 2026-03-30 · DEPRIEZ Morgane
- Dissolution: 2026-03-31 · JMDL
- Liquidation: 2026-03-31 · JMDL
- Officer discharge: 2026-03-31 · DELACOLLETTE-LEJEUNE Jean
- Officer resignation: 2026-03-31 · DELACOLLETTE-LEJEUNE Jean
- Liquidation: 2026-03-31 · JMDL
- Share distribution: 2026-03-31 · JMDL
- Liquidation: 2026-03-31 · JMDL
- Power of attorney: 2026-03-31 · B.C.C. Consult
- Power of attorney: 2026-03-31 · Roxane NOTARPIETRO
- Filing: 2026-03-31 · JMDL
- Act object: Dissolution anticipée et clôture de liquidation
Summary:
Notarial deed · General meeting · Incorporation · Auditor mandate
2020
18-03-2020 Registered office moved from Wavre to Bierges
- Quai du Trompette 63, 1300 Wavre → Rue de l'Eglise 20, 1301 Bierges
Summary:
v3.2
03-01-2020 Registered office moved from Rixensart to Wavre
- Avenue Paul Terlinden 20, 1330 Rixensart → Quai du Trompette 63, 1300 Wavre
Summary:
v3.2
2009
19-01-2009 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured57
/ 100
Mixed profile: strong on solvency, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
62
Profitability
0
Solvency
100
Growth
22
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,465 of the 82,035 companies in this sector. 7,315 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Holdings64200Activiteiten van holdings64210Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Vermogensbeheer66300Vermogensbeheer66300Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300
Primary activity highlighted.
Names & trade names
| Legal nameFR | JMDL |
Registered office
Rue de l'Eglise 20
1301 Wavre, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.