Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The micro format states no turnover.
Four of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,199 companies.
Negative equity caps the score at 59.
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).
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).
In July 2024, 6,908 companies had the same profile as JML CONSULT has now. Each dot stands for 18 companies, two years later.
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.
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.
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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
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.
These 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.
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.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €32,000. Estimated: probably between €12,000 and €62,000.
Lower than 95% of 17,199 companies in 2025.
Higher than 24% of 16,496 companies in 2025.
Lower than 95% of 16,875 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
15,461 | 34,448 | 69,193 | 48,244 | 47,667 | 52,229 | 56,574 | 57,220 | 80,789 | 53,075 | 52,402 | |
21/28 |
3,752 | 22,318 | 44,762 | 9,992 | 14,438 | 14,513 | 23,621 | 34,693 | 46,037 | 22,149 | 29,490 | |
22/27 |
3,568 | 22,134 | 44,578 | 9,808 | 13,504 | 14,329 | 23,437 | 34,509 | 45,912 | 22,024 | 29,365 | |
23 |
1,366 | 1,551 | 1,736 | - | - | - | - | - | - | - | - | |
24 |
2,202 | 20,583 | 42,842 | 9,808 | 13,504 | 14,329 | 23,437 | 34,509 | 45,912 | 22,024 | 29,365 | |
28 |
184 | 184 | 184 | 184 | 934 | 184 | 184 | 184 | 125 | 125 | 125 | |
29/58 |
11,709 | 12,131 | 24,431 | 38,252 | 33,229 | 37,715 | 32,953 | 22,527 | 34,752 | 30,927 | 22,912 | |
40/41 |
7,077 | 7,344 | 1,278 | 17,048 | 16,431 | 20,490 | 16,216 | 8,576 | 14,609 | 916 | 254 | |
40 |
7,077 | 6,111 | - | 811 | 811 | - | 835 | - | - | - | 254 | |
41 |
- | 1,233 | 1,278 | 16,237 | 15,620 | 20,490 | 15,381 | 8,576 | 14,609 | 916 | - | |
54/58 |
2,814 | 3,077 | 20,725 | 18,345 | 15,029 | 15,910 | 14,723 | 12,853 | 17,256 | 28,729 | 10,127 | |
490/1 |
1,819 | 1,710 | 2,429 | 2,859 | 1,769 | 1,316 | 2,014 | 1,099 | 2,887 | 1,282 | 12,531 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
15,461 | 34,448 | 69,193 | 48,244 | 47,667 | 52,229 | 56,574 | 57,220 | 80,789 | 53,075 | 52,402 | |
10/15 |
-18,849 | -7,145 | 32,224 | 26,330 | 13,371 | 13,198 | 11,826 | 5,127 | 10,872 | 12,671 | 9,495 | |
10/11 |
12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
13 |
19,079 | 19,079 | 19,079 | 13,185 | 226 | 226 | 226 | 226 | 226 | 226 | - | |
130/1 |
226 | 226 | 226 | 226 | 226 | 226 | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 226 | 226 | 226 | 226 | - | |
1311 |
226 | 226 | 226 | 226 | 226 | 226 | - | - | - | - | - | |
133 |
18,853 | 18,853 | 18,853 | 12,959 | - | - | - | - | - | - | - | |
14 |
-50,328 | -38,624 | 745 | 745 | 745 | 572 | -800 | -7,499 | -1,754 | 45 | -2,905 | |
17/49 |
34,310 | 41,593 | 36,970 | 21,914 | 34,296 | 39,030 | 44,749 | 52,093 | 69,917 | 40,405 | 42,908 | |
17 |
- | 1,727 | 11,839 | - | - | 8,783 | 20,397 | 31,901 | 43,297 | 14,153 | 23,327 | |
170/4 |
- | 1,727 | 11,839 | - | - | 8,783 | 20,397 | 31,901 | 43,297 | 14,153 | 23,327 | |
42/48 |
34,310 | 39,866 | 25,131 | 21,914 | 34,296 | 30,247 | 24,352 | 20,192 | 26,621 | 26,252 | 19,581 | |
42 |
1,727 | 10,112 | 9,692 | - | 8,783 | 11,614 | 11,504 | 11,396 | 11,288 | 9,174 | 8,970 | |
44 |
4,144 | 3,866 | 9,663 | 3,515 | 1,454 | 903 | 2,887 | 1,136 | 1,903 | 1,308 | 2,968 | |
440/4 |
4,144 | 3,866 | 9,663 | 3,515 | 1,454 | 903 | 2,887 | 1,136 | 1,903 | 1,308 | 2,968 | |
45 |
2,375 | 2,854 | 5,776 | 18,399 | 10,060 | 11,730 | 9,960 | 7,660 | 13,430 | 11,770 | 6,060 | |
450/3 |
2,375 | 2,854 | 4,095 | 16,899 | 10,060 | 11,730 | 6,960 | 7,660 | 13,430 | 8,770 | 3,060 | |
454/9 |
- | - | 1,680 | 1,500 | - | - | 3,000 | - | - | 3,000 | 3,000 | |
47/48 |
26,064 | 23,034 | - | - | 14,000 | 6,000 | - | - | - | 4,000 | 1,583 | |
| Income statement | ||||||||||||
9900 |
8,275 | -15,093 | 32,443 | 27,469 | 31,955 | 23,402 | 24,294 | 10,959 | 25,834 | 20,481 | 7,205 | |
630 |
18,566 | 22,444 | 21,341 | 5,295 | 13,475 | 12,057 | 11,794 | 11,553 | 11,478 | 7,341 | 7,341 | |
640/8 |
820 | 820 | 1,218 | 969 | 952 | 1,424 | 1,349 | 3,533 | 1,917 | 1,640 | 1,351 | |
66A |
- | - | - | - | - | - | - | - | 10,477 | - | - | |
9901 |
-11,112 | -38,358 | 9,884 | 21,204 | 17,529 | 9,920 | 11,152 | -4,128 | 1,962 | 11,501 | -1,488 | |
75/76B |
4 | 2 | 102 | 1,138 | 1,133 | 1,657 | 1,007 | 992 | 653 | 21 | 3 | |
75 |
4 | 2 | 102 | 1,138 | 1,133 | 1,657 | 1,007 | 992 | 653 | 21 | 3 | |
65/66B |
455 | 873 | 1,377 | 588 | 359 | 404 | 495 | 627 | 836 | 695 | 420 | |
65 |
455 | 873 | 1,377 | 588 | 359 | 404 | 495 | 627 | 836 | 695 | 420 | |
9903 |
-11,564 | -39,229 | 8,609 | 21,754 | 18,303 | 11,173 | 11,664 | -3,763 | 1,779 | 10,826 | -1,904 | |
67/77 |
141 | 139 | 2,715 | 8,795 | 4,131 | 3,800 | 4,965 | 1,982 | 3,578 | 3,650 | 1,001 | |
9904 |
-11,705 | -39,368 | 5,894 | 12,959 | 14,172 | 7,373 | 6,698 | -5,744 | -1,799 | 7,176 | -2,905 | |
9905 |
-11,705 | -39,368 | 5,894 | 12,959 | 14,172 | 7,373 | 6,698 | -5,744 | -1,799 | 7,176 | -2,905 | |
| Appropriation of the result | ||||||||||||
9906 |
-50,328 | -38,624 | 6,638 | 13,704 | 14,745 | 6,572 | -800 | -7,499 | -1,754 | 4,271 | -2,905 | |
14P |
-38,624 | 745 | 745 | 745 | 572 | - | - | - | - | - | - | |
691/2 |
- | - | 5,894 | 12,959 | - | - | - | - | - | 226 | - | |
6920 |
- | - | - | - | - | - | - | - | - | 226 | - | |
6921 |
- | - | 5,894 | 12,959 | - | - | - | - | - | - | - | |
694/7 |
- | - | - | - | 14,000 | 6,000 | - | - | - | 4,000 | - | |
695 |
- | - | - | - | 14,000 | 6,000 | - | - | - | 4,000 | - | |
| Document | ||||||||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 06-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 06-07-2026 | 2026-00254142 | |
| 31-12-2024 | micro format | 16-07-2025 | 2025-00273554 | |
| 31-12-2023 | micro format | 24-06-2024 | 2024-00152676 | |
| 31-12-2022 | micro format | 24-05-2023 | 2023-00092782 | |
| 31-12-2021 | micro format | 27-07-2022 | 2022-20228878 | |
| 31-12-2020 | micro format | 19-07-2021 | 2021-36500300 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-46900298 | |
| 31-12-2018 | micro format | 22-08-2019 | 2019-48400446 | |
| 31-12-2017 | micro format | 30-08-2018 | 2018-53200364 | |
| 31-12-2016 | micro format | 28-08-2017 | 2017-47900584 | |
| 31-12-2015 | full format | 18-08-2016 | 2016-43200480 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7,454 | -15,913 | 31,226 | 26,499 | 31,004 | 21,977 | 22,945 | 7,425 | 13,440 | 18,842 | 5,853 | ||
| 6,862 | -16,924 | 27,235 | 18,254 | 27,647 | 19,430 | 18,492 | 5,809 | 9,679 | 14,517 | 4,436 | ||
| 0 | 0 | 56,111 | 1,599 | 13,400 | 2,949 | 722 | 209 | 57,390 | 0 | 36,831 | ||
| -263 | -17,649 | 2,380 | 3,316 | -881 | 1,187 | 1,870 | -4,403 | -11,473 | 18,601 | - | ||
| -22,601 | -27,735 | -699 | 16,338 | -1,067 | 7,468 | 8,601 | 2,336 | 8,131 | 4,675 | 3,331 | ||
| -121.9% | -20.7% | 46.6% | 54.6% | 28.1% | 25.3% | 20.9% | 9.0% | 13.5% | 23.9% | 18.1% | ||
| 0.34 | 0.30 | 0.97 | 1.75 | 0.97 | 1.25 | 1.35 | 1.12 | 1.31 | 1.18 | 1.17 | ||
| - | - | 1.15 | 0.83 | 2.57 | 2.96 | 3.78 | 10.16 | 6.43 | 3.19 | 4.52 | ||
| - | - | 18.3% | 49.2% | 106.0% | 55.9% | 56.6% | -112.0% | -16.5% | 56.6% | -30.6% | ||
| -75.7% | -114.3% | 8.5% | 26.9% | 29.7% | 14.1% | 11.8% | -10.0% | -2.2% | 13.5% | -5.5% | ||
| 16.37 | -18.22 | 22.67 | 45.05 | 86.48 | - | - | - | - | - | - |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €56,111 | €1,599 | €12,650 |
| Financial fixed assets | - | - | - | - | €750 |
| €18,566 | €22,444 | €21,341 | €5,295 | €13,475 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €11,112, smaller than the loss of €38,358 in 2024.
Equity is negative. Debt (€34,310) exceeds the balance-sheet total (€15,461).
JML CONSULT has no parent and no holdings in its annual accounts. STAS de RICHELLE Jacques is the only director. JML CONSULT shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Rue Jean-Baptiste Stouffs 35 registered office 1332 Rixensart 66220 Insurance agents and brokers | 23-02-2015 | 2.241.555.281 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25033B1390/00F000 | 435 m² | 1 · 77 m² | 9.9 m · 3 |
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