JMI
ActiveSummary
JMI has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €411,517 and a net result of €73,531. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability91▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 70.13 against 35.89 in 2023; short-term debt: 1.4% and cash: 34.4% of total assets), and 1.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
98.6%
Return on assets
17.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
34 d early
2022
55 d early
2021
1 d early
2020
23 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#3 company by equity in Malle, Telecoms and IT sector#3 oldest company in Malle, Telecoms and IT sector#6 company by total assets in Malle, Telecoms and IT sector
Equity
€411,517▲ 21.8%
2023 · €337,987
Total assets
€417,443▲ 18.8%
2023 · €351,518
Net result
€73,531▼ 20.2%
2023 · €92,163
Working capital
€409,676▲ 20.3%
2023 · €340,677
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€75,932▼ 9.1%€58,846▼ 22.5%€62,634▲ 6.4%€128,308▲ 105%€102,948▼ 19.8%
Net result€54,035above the sector's middle half▼ 13.1%€41,471within the sector's middle half▼ 23.3%€41,150within the sector's middle half▼ 0.8%€92,163above the sector's middle half▲ 124%€73,531above the sector's middle half▼ 20.2%
Equity€229,549above the sector's middle half▲ 30.2%€270,220above the sector's middle half▲ 17.7%€279,203above the sector's middle half▲ 3.3%€337,987above the sector's middle half▲ 21.1%€411,517above the sector's middle half▲ 21.8%
Total assets€235,482within the sector's middle half▲ 21.7%€277,388within the sector's middle half▲ 17.8%€289,876above the sector's middle half▲ 4.5%€351,518above the sector's middle half▲ 21.3%€417,443above the sector's middle half▲ 18.8%
Debt€5,934▼ 65.3%€7,168▲ 20.8%€10,673▲ 48.9%€13,532▲ 26.8%€5,926▼ 56.2%
Working capital€207,805▲ 39.8%€253,353▲ 21.9%€273,932▲ 8.1%€340,677▲ 24.4%€409,676▲ 20.3%
Solvency97.5%above the sector's middle half▲ 6.3pp97.4%above the sector's middle half▼ 0.1pp96.3%above the sector's middle half▼ 1.1pp96.2%above the sector's middle half▼ 0.2pp98.6%above the sector's middle half▲ 2.4pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €417,443
Fixed assets
€1,841 ▲ 71.0%
Current assets
€415,602 ▲ 18.6%
Equity and liabilities €417,443
Equity
€411,517 ▲ 21.8%
Debt
€5,926 ▼ 56.2%
Debt's share of the balance-sheet total falls from 3.8% to 1.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€103,760▼
2023 · €136,124
Cash flow
€74,342▼
2023 · €99,979
Current ratio
70.13▲
2023 · 35.89
Debt to equity
0.01▼
2023 · 0.04
ROE
17.9%▼
2023 · 27.3%
ROA
17.6%▼
2023 · 26.2%
Interest coverage
247.25▲
2023 · 88.47
Debt ≤ 1 year
€5,926▼
2023 · €9,765
Income taxes
€29,087▼
2023 · €34,606
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,077 | €7,642 | €7,974 | €7,816 | €811 | ▼ 89.6% |
| Other operating charges640/8 | - | €525 | €601 | €232 | €186 | ▼ 19.9% |
| Gross operating margin9900 | €83,521 | €67,013 | €71,209 | €136,356 | €103,946 | ▼ 23.8% |
| Operating profit (loss)9901 | €75,932 | €58,846 | €62,634 | €128,308 | €102,948 | ▼ 19.8% |
| Financial income75/76B | - | €8 | €106 | - | €88 | - |
| Recurring financial income75 | €109 | €8 | €106 | - | €88 | - |
| Financial charges65/66B | - | €223 | €251 | €1,539 | €420 | ▼ 72.7% |
| Recurring financial charges65 | €477 | €223 | €251 | €1,539 | €420 | ▼ 72.7% |
| Profit (loss) for the period before taxes9903 | €75,564 | €58,631 | €62,489 | €126,769 | €102,617 | ▼ 19.1% |
| Income taxes67/77 | €21,529 | €17,160 | €21,339 | €34,606 | €29,087 | ▼ 15.9% |
| Profit (loss) for the period9904 | €54,035 | €41,471 | €41,150 | €92,163 | €73,531 | ▼ 20.2% |
| Profit (loss) for the period to be appropriated9905 | €54,035 | €41,471 | €41,150 | €92,163 | €73,531 | ▼ 20.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €235,482 | €277,388 | €289,876 | €351,518 | €417,443 | ▲ 18.8% |
| Fixed assets21/28 | €22,648 | €16,867 | €8,892 | €1,077 | €1,841 | ▲ 71.0% |
| Tangible fixed assets22/27 | €22,648 | €16,867 | €8,892 | €1,077 | €1,841 | ▲ 71.0% |
| Furniture and vehicles24 | - | €16,867 | €8,892 | €1,077 | €1,841 | ▲ 71.0% |
| Current assets29/58 | €212,834 | €260,521 | €280,984 | €350,442 | €415,602 | ▲ 18.6% |
| Amounts receivable after more than one year29 | - | €90,574 | €90,574 | €90,574 | €103,196 | ▲ 13.9% |
| Other amounts receivable291 | - | €90,574 | €90,574 | €90,574 | €103,196 | ▲ 13.9% |
| Amounts receivable within one year40/41 | €131,355 | €75,183 | €76,629 | €81,249 | €61,620 | ▼ 24.2% |
| Trade receivables40 | - | €22,374 | €20,897 | €49,999 | €23,211 | ▼ 53.6% |
| Other amounts receivable41 | - | €52,809 | €55,732 | €31,251 | €38,408 | ▲ 22.9% |
| Current investments50/53 | - | - | - | - | €94,059 | - |
| Cash at bank and in hand54/58 | €80,294 | €94,674 | €111,555 | €167,270 | €143,719 | ▼ 14.1% |
| Deferred charges and accrued income490/1 | - | €90 | €2,225 | €11,349 | €13,008 | ▲ 14.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €235,482 | €277,388 | €289,876 | €351,518 | €417,443 | ▲ 18.8% |
| Equity10/15 | €229,549 | €270,220 | €279,203 | €337,987 | €411,517 | ▲ 21.8% |
| Contributions10/11 | - | €39,580 | €39,580 | €6,200 | €6,200 | = |
| Reserves13 | €189,969 | €230,640 | €239,623 | €331,787 | €405,317 | ▲ 22.2% |
| Non-distributable reserves130/1 | - | €5,198 | €5,198 | - | - | - |
| Reserves not available under the articles1311 | - | €5,198 | €5,198 | - | - | - |
| Distributable reserves133 | - | €225,442 | €234,425 | €331,787 | €405,317 | ▲ 22.2% |
| Amounts payable17/49 | €5,934 | €7,168 | €10,673 | €13,532 | €5,926 | ▼ 56.2% |
| Amounts payable within one year42/48 | €5,029 | €7,168 | €7,052 | €9,765 | €5,926 | ▼ 39.3% |
| Trade debts44 | €1,112 | €2,276 | €500 | €3,130 | €2,906 | ▼ 7.2% |
| Suppliers440/4 | - | €2,276 | €500 | €3,130 | €2,906 | ▼ 7.2% |
| Taxes, remuneration and social security45 | - | €4,893 | €5,751 | €6,635 | €3,020 | ▼ 54.5% |
| Taxes450/3 | - | €4,893 | €5,751 | €6,635 | €3,020 | ▼ 54.5% |
| Other amounts payable47/48 | - | - | €800 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €3,621 | €3,767 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54,035 | €41,471 | €41,150 | €92,163 | €73,531 | ▼ 20.2% |
| + Depreciation and write-downs630 | €7,077 | €7,642 | €7,974 | €7,816 | €811 | ▼ 89.6% |
| Operating cash flow (approximation) | €61,112 | €49,113 | €49,124 | €99,979 | €74,342 | ▼ 25.6% |
| Investment in fixed assets (approximation) | - | -€1,861 | €0 | €0 | -€1,576 | - |
| Change in cash | - | €14,380 | €16,881 | €55,714 | -€23,551 | ▼ 142% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-10
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
29-10
State Gazette act
General meeting · Capital
Real estate · Net-asset statement
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €92,163 ▲124%
Operating result €128,308, net result €92,163, both a record.
06-06
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 42.32
Current ratio from 9.70 to 42.32; short-term debt falls from €17,083 to €5,029.
31-12
Financial
Equity above €200,000Eq €229,549 ▲30.2%
3 profitable years in a row build equity to €229,549.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €150,000Eq €176,314 ▲53.4%
2 profitable years in a row build equity to €176,314.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
15-02
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Malle · 1 establishment unit since 2003
Ground area
1,238 m²
Building footprint
161 m²
Volume, LiDAR
914 m³
Parcel 11049C0317/00N003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Jagersweg 31, 2390 Malle
since 20032.126.458.546
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049C0317/00N003 | Flanders | 1,238 m² | 1 · 161 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
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Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
8 locations
7 locations
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 12,747 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-03-2003
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479709837
Also
9925:BE0479709837
Registered
28-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.