Equity
-€18,849
Debts exceed assets in financial year 2025.
JML CONSULT
Lifetime
11 annual accounts with figures on one time axispeak €32,443 (2023)
€8,275▲ €23,368
lowest -€39,368 (2024)
-€11,705▲ €27,664
peak €32,224 (2023)
-€18,849▼ €11,705
€34,310▼ 17.5%
Board1 name since 2021
1 directorSTAS de RICHELLE Jacques
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from -€15,093 to €8,275Loss of €11,705Equity from -€7,145 to -€18,849Debts from €41,593 to €34,310
Key points
from the 2025 annual accountsLosses
-€51,073 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €32,000 estimated
The micro format states no turnover.
Debts
€34,310 222% of the balance sheet
Suppliers 12%Taxes and wages 7%Other 81%
Filings
11 annual accounts since 2015
Four of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Position in the sector
-121.9%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,199 companies.
Checked score
53
Fair
Financially stronger than 17% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 1.2%▲ +1.1 percentage points vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.2%● unchanged vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.2%● unchanged vs 03-2026
05-2026: 1.2%● unchanged vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.7%▼ -0.6 percentage points vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.6%▼ -0.1 percentage points vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€18,849
Loss of €11,705, the second in a row (financial year 2025)
lowers risk
Size: total assets €15,461
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 18% on liquidity, 42% on profitability and 4% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as JML CONSULT has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JML CONSULT itself is lower: 0.6% within 12 months. It rests on far more data about JML CONSULT than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for JML CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.34 (0.3 in 2024), below 1. Short-term debt is 221.9% and cash 18.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€18,849
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 days early
2024
15 days early
2023
37 days early
2022
68 days early
2021
4 days early
2020
12 days early
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0598888688
Change of role: STAS de RICHELLE Jacques, from manager to director
“L’activité d’expert sinistre pour des compagnies d’assurances et pour des particuliers; Toutes activités de…” (deed in French) · General meeting of 31-05-2023 · Gazette deed
Incorporation
published on 25-02-2015 · Gazette deed
First establishment
Rue Jean-Baptiste Stouffs 35, Rixensart
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as JML CONSULT: real estate appraisal on a fee or contract basis (NACE 68322). They are comparable in size and age: total assets between €9,260 and €31,200, founded between 2003 and 2017.
Official details
Source: KBO- Status
- Active since 23-02-2015Normal situation
- Activity
- Real estate appraisal on a fee or contract basisNACE 68322
- Establishment unit
- 2.241.555.2811332 Rixensart, since 23-02-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- €15,461▼ 55.1%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on JML CONSULT
JML CONSULT files the micro format. That format states no turnover. The gross margin rose from €7,205 in 2015 to €8,275 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JML CONSULT
- What is the company number of JML CONSULT?
- The company number of JML CONSULT is 0598.888.688. The VAT number is the same number with BE in front: BE 0598.888.688.
- Where is JML CONSULT based?
- The registered office is at Rue Jean-Baptiste Stouffs 35, 1332 Rixensart.Company details
- What does JML CONSULT do?
- According to the KBO register, the main activity is real estate appraisal on a fee or contract basis (NACE 68322).
- What is the legal form of JML CONSULT?
- JML CONSULT is a private limited company (BV).
- When was JML CONSULT founded?
- JML CONSULT was founded on 23-02-2015.
- Is JML CONSULT still active?
- Yes, JML CONSULT is an active enterprise in the KBO register.
- What is the turnover of JML CONSULT?
- The turnover in financial year 2025 is ≈ €32,000. This figure is estimated from the gross margin of €8,275 and 42 comparable companies (NACE 683). It probably lies between €12,000 and €62,000. It is a rough estimate.Financials
- Is JML CONSULT profitable?
- In financial year 2025, JML CONSULT made a loss of €11,705.
- Where can I find the annual accounts of JML CONSULT?
- JML CONSULT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JML CONSULT due?
- JML CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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