JMJ FINANCES
ActiveJMJ FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.68M and a net result of €57k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 86% of 782 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
not confirmed
2024
68 d late
2023
27 d late
2022
31 d late
2021
12 d early
2020
33 d early
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€1.68M▲ 3.5%
2023 · €1.62M
2018: €1.58M
2019: €1.58M
2020: €1.58M
2021: €1.61M
2022: €1.59M
2023: €1.62M
2018 → 2024
Net result
€57k▼ 44.4%
2023 · €102k
2018: €297k
2019: €-19
2020: €106k
2021: €25k
2022: €184k
2023: €102k
2018 → 2024
Total assets
€2.08M▼ 5.0%
2023 · €2.19M
2018: €2.07M
2019: €2.04M
2020: €2.13M
2021: €2.13M
2022: €2.14M
2023: €2.19M
2018 → 2024
Solvency
80.8%▲ 6.7pp
2023 · 74.1%
2018: 76.2%
2019: 77.4%
2020: 74.1%
2021: 75.4%
2022: 74.4%
2023: 74.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.58M-€1.61M▲ 1.6%€1.59M▼ 0.9%€1.62M▲ 2.0%€1.68M▲ 3.5%
Operating result€13k-€41k▲ 216%€277k▲ 576%€132k▼ 52.4%€85k▼ 35.4%
Net result€106k-€25k▼ 76.7%€184k▲ 647%€102k▼ 44.5%€57k▼ 44.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 35% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.08M
Fixed assets
€1.98M▲ 0.1%
Current assets
€101k▼ 52.6%
Equity and liabilities €2.08M
Equity
€1.68M▲ 3.5%
Debt
€399k▼ 29.5%
The debt ratio falls from 25.9% to 19.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
80.8%▲
2023 · 74.1%
ROE
3.4%▼
2023 · 6.3%
ROA
2.7%▼
2023 · 4.7%
Debt
€399k▼
2023 · €566k
Debt ≤ 1 year
€130k▼
2023 · €297k
Debt > 1 year
€269k=
2023 · €269k
Income taxes
€27k▼
2023 · €28k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.19M€2.08M▼
Fixed assets21/28€1.98M€1.98M▲
Tangible fixed assets22/27€410€2k▲
Furniture and vehicles24€410€2k▲
Financial fixed assets28€1.98M€1.98M=
Current assets29/58€212k€101k▼
Amounts receivable within one year40/41€59k€7k▼
Other amounts receivable41€59k€7k▼
Cash at bank and in hand54/58€153k€93k▼
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.08M▼
Equity10/15€1.62M€1.68M▲
Contributions10/11€63k€63k=
Reserves13€1.33M€1.38M▲
Distributable reserves133€1.33M€1.38M▲
Profit (loss) carried forward14€234k€234k=
Amounts payable17/49€566k€399k▼
Amounts payable after more than one year17€269k€269k=
Financial debts170/4€269k€269k=
Amounts payable within one year42/48€297k€130k▼
Financial debts43€14k€16k▲
Other loans439€14k€16k▲
Trade debts44-€968
Suppliers440/4-€968
Taxes, remuneration and social security45€30k€9k▼
Taxes450/3€30k€9k▼
Other amounts payable47/48€253k€104k▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€7k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€631€693▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€135k€88k▼
Operating profit (loss)9901€132k€85k▼
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€130k€83k▼
Income taxes67/77€28k€27k▼
Profit (loss) for the period9904€102k€57k▼
Profit (loss) for the period to be appropriated9905€102k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€234k€290k▲
Profit (loss) brought forward from the previous period14P€131k€234k▲
Transfer from equity791/2€70k-
Transfer to equity691/2-€57k
To other reserves6921-€57k
Profit to be distributed694/7€70k-
Return on contributions (dividend)694€70k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 68 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Weakest financial yearnet €-19 ▼100%
Net result drops to €-19, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 51 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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Of 1,505 companies in sector 66199 we hold annual accounts for 912. 455 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2007
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:fx.jamotton@icloud.com