JME CONSTRUCT
ActiveJME CONSTRUCT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €374k and a net result of €-10k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 80% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
83
/ 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
Profitability66▼-12
Solvency100▲+17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.55 in 2024; short-term debt: 19.7% and cash: 44.7% of total assets), and 25.2% 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
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
13 d early
2023
41 d early
2022
32 d late
2021
13 d early
2020
30 d late
2019
42 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€374k▼ 2.7%
2024 · €385k
2018: €348k
2019: €355k
2020: €379k
2021: €400k
2022: €423k
2023: €338k
2024: €385k
2018 → 2025
Total assets
€500k▼ 24.2%
2024 · €660k
2018: €731k
2019: €783k
2020: €872k
2021: €964k
2022: €544k
2023: €642k
2024: €660k
2018 → 2025
Net result
€-10k
2024 · €46k
2018: €21k
2019: €7k
2020: €23k
2021: €21k
2022: €23k
2023: €-16k
2024: €46k
2018 → 2025
Working capital
€165k▲ 30.6%
2024 · €126k
2018: €61k
2019: €68k
2020: €79k
2021: €42k
2022: €128k
2023: €54k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€400k-€423k▲ 5.8%€338k▼ 20.0%€385k▲ 13.7%€374k▼ 2.7%
Operating result€25k-€28k▲ 10.3%€-14k€77k€-7k
Net result€21k-€23k▲ 8.6%€-16k€46k€-10k
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 €7k after €77k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €500k
Fixed assets
€237k▼ 21.7%
Current assets
€263k▼ 26.4%
Equity and liabilities €500k
Equity
€374k▼ 2.7%
Provisions
€0▼ 100%
Debt
€126k▼ 54.1%
The debt ratio falls from 41.6% to 25.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€59k▼
2024 · €140k
Cash flow
€55k▼
2024 · €110k
Solvency
74.8%▲
2024 · 58.3%
Current ratio
2.67▲
2024 · 1.55
Quick ratio
2.56▲
2024 · 1.50
Debt / equity
0.34▼
2024 · 0.71
ROE
-2.8%▼
2024 · 12.0%
ROA
-2.1%▼
2024 · 7.0%
Interest coverage
19.93▼
2024 · 41.19
Debt
€126k▼
2024 · €275k
Debt ≤ 1 year
€98k▼
2024 · €231k
Debt > 1 year
€28k▼
2024 · €43k
Income taxes
€2k▼
2024 · €29k
Staff costs
€56k▼
2024 · €66k
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€660k€500k▼
Fixed assets21/28€303k€237k▼
Intangible fixed assets21€155k€135k▼
Tangible fixed assets22/27€147k€101k▼
Land and buildings22€52k€47k▼
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€83k€46k▼
Financial fixed assets28€773€773=
Current assets29/58€357k€263k▼
Stocks and contracts in progress3€10k€11k▲
Stocks30/36€10k€11k▲
Amounts receivable within one year40/41€93k€20k▼
Trade receivables40€89k€11k▼
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€239k€223k▼
Deferred charges and accrued income490/1€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€660k€500k▼
Equity10/15€385k€374k▼
Contributions10/11€85k€85k=
Reserves13€157k€153k▼
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132€47k€43k▼
Distributable reserves133€102k€102k=
Profit (loss) carried forward14€143k€136k▼
Provisions and deferred taxes16€1k€0▼
Deferred taxes168€1k€0▼
Amounts payable17/49€275k€126k▼
Amounts payable after more than one year17€43k€28k▼
Financial debts170/4€43k€28k▼
Amounts payable within one year42/48€231k€98k▼
Current portion of amounts payable after more than one year42€32k€17k▼
Trade debts44€72k€2k▼
Suppliers440/4€72k€2k▼
Advances received on contracts in progress46€50k€0▼
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€15k€13k▼
Remuneration and social security454/9€404€352▼
Other amounts payable47/48€63k€66k▲
Accrued charges and deferred income492/3€0€130▲
Income statement
Code20242025
Remuneration, social security and pensions62€66k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€66k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€0▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€213k€118k▼
Operating profit (loss)9901€77k€-7k▼
Financial income75/76B€430€470▲
Recurring financial income75€430€470▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€74k€-10k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€29k€2k▼
Profit (loss) for the period9904€46k€-10k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€50k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€179k€136k▼
Profit (loss) brought forward from the previous period14P€129k€143k▲
Transfer from equity791/2€0-
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k ▼168%
Net result drops to €-16k, 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
2022
31-12
Financial
Liquidity doublescurrent ratio 2.71
Current ratio from 1.24 to 2.71; short-term debt falls from €172k to €75k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lontzen · 2 establishment units since 2005
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.
Chemin de Crapel 124711 LontzenGround area
4,456 m²
Building footprint
396 m²
Volume, LiDAR
1,803 m³
2 parcels, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JME CONSTRUCT
since 20052.148.306.312
JME CONSTRUCT
since 20202.306.630.009
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62071B0772/00T000 | Wallonia | 2,323 m² | 1 · 222 m² | 6.4 m · 2 fl. |
| 63081F0010/00G000 | Wallonia | 2,133 m² | 1 · 174 m² | 5.9 m · 1 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.
Similar companies · same sector, comparable size
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Grond- & Afbraakwerken Deckers
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Bilzen-Hoeselt · Eq €375k
TERRAGRO
BE 0870.533.824
Kortrijk · Eq €375k
DE JAEGER CHRISTIAN
BE 0474.628.126
Evergem · Eq €374k
MISPLON
BE 0687.782.161
Dentergem · Eq €373k
Of 8,452 companies in sector 43120 we hold annual accounts for 3,231. 2,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2005
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
45112
45211
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.