JMF
ActiveJMF has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €-8k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 89% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.07 in 2024; short-term debt: 10.2% and cash: 0.8% of total assets), and 10.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
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 2025Solvency, return and age of the figures
Solvency
89.8%
Return on assets
-12.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
26 d early
2023
23 d early
2022
11 d early
2021
52 d late
2020
25 d late
2019
13 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▼ 12.0%
2024 · €68k
2018: €107k
2019: €109k
2020: €100k
2021: €93k
2022: €85k
2023: €77k
2024: €68k
2018 → 2025
Total assets
€66k▼ 7.7%
2024 · €72k
2018: €147k
2019: €118k
2020: €105k
2021: €94k
2022: €87k
2023: €79k
2024: €72k
2018 → 2025
Net result
€-8k▲ 9.8%
2024 · €-9k
2018: €888
2019: €2k
2020: €-10k
2021: €-7k
2022: €-7k
2023: €-9k
2024: €-9k
2018 → 2025
Working capital
€-6k▼ 61.4%
2024 · €-4k
2018: €37k
2019: €33k
2020: €12k
2021: €10k
2022: €8k
2023: €-603
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€85k▼ 7.8%€77k▼ 10.3%€68k▼ 11.8%€59k▼ 12.0%
Operating result€-7k-€-7k▼ 6.0%€-9k▼ 22.8%€-9k▼ 4.3%€-8k▲ 10.2%
Net result€-7k-€-7k▼ 1.5%€-9k▼ 22.5%€-9k▼ 2.3%€-8k▲ 9.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€66k▼ 8.1%
Current assets
€557▲ 93.3%
Equity and liabilities €66k
Equity
€59k▼ 12.0%
Debt
€7k▲ 63.6%
The debt ratio rises from 5.8% to 10.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-3k
Cash flow
€-2k▲
2024 · €-3k
Solvency
89.8%▼
2024 · 94.2%
Current ratio
0.08▲
2024 · 0.07
Quick ratio
0.08▲
2024 · 0.07
Debt / equity
0.11▲
2024 · 0.06
ROE
-13.7%▼
2024 · -13.3%
ROA
-12.3%▲
2024 · -12.6%
Interest coverage
-21.17▲
2024 · -36.64
Debt
€7k▲
2024 · €4k
Debt ≤ 1 year
€7k▲
2024 · €4k
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€72k€66k▼
Fixed assets21/28€71k€66k▼
Tangible fixed assets22/27€71k€66k▼
Land and buildings22€58k€55k▼
Furniture and vehicles24€13k€11k▼
Current assets29/58€288€557▲
Amounts receivable within one year40/41€206€23▼
Trade receivables40€206-
Other amounts receivable41-€23
Cash at bank and in hand54/58€83€534▲
Equity and liabilities
Total equity and liabilities10/49€72k€66k▼
Equity10/15€68k€59k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€9k€9k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€7k€7k=
Profit (loss) carried forward14€40k€32k▼
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Trade debts44€592€363▼
Suppliers440/4€592€363▼
Taxes, remuneration and social security45€826€292▼
Taxes450/3€826€292▼
Other amounts payable47/48€3k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-2k€-926▲
Operating profit (loss)9901€-9k€-8k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€86€107▲
Recurring financial charges65€86€107▲
Profit (loss) for the period before taxes9903€-9k€-8k▲
Profit (loss) for the period9904€-9k€-8k▲
Profit (loss) for the period to be appropriated9905€-9k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€32k▼
Profit (loss) brought forward from the previous period14P€49k€40k▼
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 6.72
Current ratio from 3.22 to 6.72; short-term debt falls from €5k to €2k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €-10k ▼546%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Highest result since 2018net €2k ▲143%
Net result €2k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.77
Current ratio from 2.28 to 4.77; short-term debt falls from €29k to €9k.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Oupeye · 1 establishment unit since 2002
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.
Rue Grand Aaz 434680 OupeyeGround area
800 m²
Building footprint
121 m²
Volume, LiDAR
671 m³
Parcel 62050B0785/00G000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SRL JMF
since 20022.186.225.689
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62050B0785/00G000 | Wallonia | 800 m² | 1 · 121 m² | 7.7 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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TIM ANTIERENS
BE 1013.127.584
Middelkerke · Eq €59k
DAVOS & CM CONSULT
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SK TAX & CONSULT
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Of 2,266 companies in sector 69209 we hold annual accounts for 1,097. 810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2002
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.