JMEDIC · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JMEDIC is 0.2% (very low). The 2025 annual accounts show equity of €331k and a net result of €114k. Equity is growing by ~52.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 2210 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 2210 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	20-01-2026	11 d early	2026-00011162
30-06-2024	31-01-2025	16-01-2025	15 d early	2025-00005729
30-06-2023	31-01-2024	29-01-2024	2 d early	2024-00009569

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 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

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 everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€114k+0.8%

Working capital€327k+53.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~52.4%/year over 3 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 2025 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	96.5%	58.1%	better than 95% of 2210 sector peers
Net result	€114k	€60k	better than 75% of 2208 sector peers
Equity	€331k	€74k	better than 90% of 2210 sector peers
Gross operating margin	€162k	€96k	better than 71% of 2210 sector peers
Total assets	€343k	€186k	better than 75% of 2210 sector peers

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).

Solvency P95

Stable position over 2023-2025 · n=2210-6575

Net result P75

Stable position over 2023-2025 · n=2208-6569

Equity P90

Improving position over 2023-2025 · n=2210-6575

Gross operating margin P71

Stable position over 2023-2025 · n=2210-6577

Describes the position versus peers, not a forecast.

EBITDA

€162k

+0.1% 23-25

Net profit

€114k

+0.8% 23-25

Cash flow

€115k

+1.0% 23-25

Total assets

€343k

+49.2% 23-25

Equity

€331k

+52.6% 23-25

Working capital

€327k

+53.7% 23-25

Income taxes

€48k

+1.8% 23-25

Debt

€12k

-7.0% 23-25

Debt ≤ 1y

€12k

-7.0% 23-25

Current ratio

27.93

+61.5% 23-25

Quick ratio

27.93

+61.5% 23-25

Solvency

96.5%

+2.3% 23-25

Debt / equity

0.04

-39.1% 23-25

ROE

34.5%

-33.9% 23-25

ROA

33.3%

-32.4% 23-25

Interest coverage

210.90

+13.7% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€162k
Net profit	€114k
Cash flow	€115k
Staff costs	-
Income taxes	€48k
Dividends	-
Total assets	€343k
Equity	€331k
Debt	€12k
of which ≤ 1y	€12k
of which > 1y	-
Working capital	€327k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	27.93
Quick ratio	27.93
Working capital ratio	95.3%
Solvency	96.5%
Debt / equity	0.04
Long-term debt ratio	-
Interest coverage	210.90
Gross margin	-
Net margin	-
ROA	33.3%
ROE	34.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 1.1% Current assets €339k · 98.9%

Equity & liabilities

Equity €331k · 96.5% Debt €12k · 3.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€343k
Fixed assets	21/28	€4k
Tangible fixed assets	22/27	€4k
Current assets	29/58	€339k
Amounts receivable within one year	40/41	€60k
Investments	50/53	€20k
Cash & bank	54/58	€253k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€343k
Equity	10/15	€331k
Contributions / capital	10/11	€1k
Reserves	13	€330k
Amounts payable	17/49	€12k
Amounts payable within one year	42/48	€12k
Trade debts payable within one year	44	€734
Income statement
Gross operating margin	9900	€162k
Operating result	9901	€160k
Financial income	75	€3k
Financial charges	65	€766
Result before taxes	9903	€162k
Income taxes	67/77	€48k
Net result for the period	9904	€114k
Result to be appropriated	9905	€114k

You are seeing the latest fiscal year only. 2 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 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 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

JMEDIC

Chemin du Pont de Briques(JB) 24, 5100 NamurActiviteiten van huisartspraktijken

since 20222.337.451.461

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area2,468 m²

Buildings2

Building footprint370 m²

Volume (LiDAR)4,783 m³

Tallest building20.5 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92322D0408/00F000	Wallonia	1,528 m²	1 · 150 m²	10.3 m · 2 fl.
92322F0186/00F000	Wallonia	940 m²	1 · 220 m²	20.5 m · 6 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.