JMJ TELECOM

Active

Private limited company (pre-2019)founded 20197 yrs activeHouba de Strooperlaan 123, 1020 Brussel, BelgiumKBO/BCE: BE 0724.874.466

The computed 12-month bankruptcy probability of JMJ TELECOM is 4.2% (elevated). The 2024 annual accounts show equity of €29k and a net result of €-12k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 26048 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

45 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-96

Solvency78▼-22

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

4.2% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity ample (current ratio 1.98 against 3.69 in 2023; short-term debt: 47% and cash: 30.7% of total assets), and 47% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

53%

Return on assets

-21.4%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

3 d early

2023

56 d late

2022

161 d late

2021

204 d late

2020

528 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€29k▼ 28.8%

2023 · €41k

2020: €8k 2021: €18k 2022: €29k 2023: €41k

2020 → 2024

Total assets

€55k▲ 1.6%

2023 · €54k

2020: €19k 2021: €34k 2022: €44k 2023: €54k

2020 → 2024

Net result

€-12k

2023 · €12k

2020: €2k 2021: €9k 2022: €11k 2023: €12k

2020 → 2024

Working capital

€25k▼ 28.9%

2023 · €35k

2020: €-2k 2021: €8k 2022: €22k 2023: €35k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€8k-€18k▲ 110%€29k▲ 64.7%€41k▲ 40.1%€29k▼ 28.8%

Operating result€3k-€9k▲ 160%€10k▲ 17.2%€21k▲ 108%€-7k

Net result€2k-€9k▲ 324%€11k▲ 23.3%€12k▲ 2.0%€-12k

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 2024: a loss of €7k after €21k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €55k

93.1%

Fixed assets €4k▼ 27.0%

Current assets €51k▲ 4.8%

Equity and liabilities €55k

53.0%

47.0%

Equity €29k▼ 28.8%

Debt €26k▲ 95.2%

The debt ratio rises from 24.5% to 47.0%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-5k▼

2023 · €23k

Cash flow

€-10k▼

2023 · €14k

Solvency

53.0%▼

2023 · 75.5%

Current ratio

1.98▼

2023 · 3.69

Quick ratio

1.12▼

2023 · 1.84

Debt / equity

0.89▲

2023 · 0.32

ROE

-40.4%▼

2023 · 28.6%

ROA

-21.4%▼

2023 · 21.6%

Interest coverage

-3.66▼

2023 · 18.22

Debt

€26k▲

2023 · €13k

Debt ≤ 1 year

€26k▲

2023 · €13k

Income taxes

€3k▼

2023 · €8k

Staff costs

€39k▲

2023 · €7k

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€54k€55k▲

Formation expenses20€74-

Fixed assets21/28€5k€4k▼

Tangible fixed assets22/27€2k€173▼

Land and buildings22€180-

Plant, machinery and equipment23€1k-

Furniture and vehicles24€346€173▼

Financial fixed assets28€4k€4k=

Current assets29/58€49k€51k▲

Stocks and contracts in progress3€24k€22k▼

Stocks30/36€24k€22k▼

Amounts receivable within one year40/41€9k€12k▲

Other amounts receivable41€9k€12k▲

Cash at bank and in hand54/58€16k€17k▲

Deferred charges and accrued income490/1-€353

Equity and liabilities

Total equity and liabilities10/49€54k€55k▲

Equity10/15€41k€29k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€34k€23k▼

Amounts payable17/49€13k€26k▲

Amounts payable within one year42/48€13k€26k▲

Trade debts44€3k€3k▼

Suppliers440/4€3k€3k▼

Taxes, remuneration and social security45€6k€18k▲

Taxes450/3€6k€18k▲

Other amounts payable47/48€5k€5k▲

Income statement Code20232024

Remuneration, social security and pensions62€7k€39k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼

Other operating charges640/8€339€400▲

Gross operating margin9900€31k€34k▲

Operating profit (loss)9901€21k€-7k▼

Financial charges65/66B€1k€1k▲

Recurring financial charges65€1k€1k▲

Profit (loss) for the period before taxes9903€19k€-8k▼

Income taxes67/77€8k€3k▼

Profit (loss) for the period9904€12k€-12k▼

Profit (loss) for the period to be appropriated9905€12k€-12k▼

Appropriation of the result

Profit (loss) to be appropriated9906€34k€23k▼

Profit (loss) brought forward from the previous period14P€23k€34k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

28-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-12k ▼201%

Net result drops to €-12k, the lowest in the series.

25-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 56 days late

08-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 161 days late

2023

31-12

Financial Highest result since 2020net €12k ▲2%

Operating result €21k, net result €12k, both a record.

20-02

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 204 days late

10-01

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 528 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, Brussel · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Houba de Strooperlaan 1231020 Brussel

Ground area

145 m²

Building footprint

112 m²

Volume, LiDAR

1,800 m³

Parcel 21816C0005/00G009, Brussels · tallest building 18.5 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

JMJ TELECOM

Houba de Strooperlaan 123, 1020 BrusselRetail trade

since 20192.288.071.929

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21816C0005/00G009	Brussels	145 m²	1 · 112 m²	18.5 m · 5 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.

Similar companies · same sector, comparable size

Chaudfontaine · Eq €29k

CLICK LAB

BE 0480.064.579

Charleroi · Eq €29k

Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,306 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded12-04-2019

Fiscal year end31-12

Activities, NACEBEL

47400Retail sale of information and communication equipment

47420Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.