JMLE SERVICES

Active

Private limited companyfounded 20214 yrs activeRue des Makets 58, 4101 Seraing, BelgiumKBO/BCE: BE 0774.882.223

The computed 12-month bankruptcy probability of JMLE SERVICES is 8.6% (elevated). The 2025 annual accounts show negative equity (€-29k) and a net result of €-26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 467 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

7 / 100

Critical▼ -26 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+3

Solvency33▼-2

Growth32▼-26

Stability94

Bankruptcy probability, 12 months

8.6% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.26 against 0.57 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 53

Relative position

BE, all sectors

reference

Sector 53

higher

← fewer bankruptcies more bankruptcies →

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

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 2025

Solvency, return and age of the figures

Solvency

-57.8%

Return on assets

-51.8%

Age of the figures

8 mo

Higher-failure-rate region

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

KBO · registered office

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

22232425

2022 to 2025 · latest year -€29k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 4 filings

Deviation from the deadline

2025

20 d late

2024

29 d late

2023

27 d late

2022

33 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€-29k▼ 860%

2024 · €-3k

2022: €2k 2023: €-2k 2024: €-3k

2022 → 2025

Total assets

€50k▼ 36.4%

2024 · €78k

2022: €34k 2023: €29k 2024: €78k

2022 → 2025

Net result

€-26k▼ 4,318%

2024 · €-582

2022: €-1k 2023: €-4k 2024: €-582

2022 → 2025

Working capital

€-47k▼ 81.3%

2024 · €-26k

2022: €-19k 2023: €-17k 2024: €-26k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€2k-€-2k€-3k▼ 24.2%€-29k▼ 860%

Operating result€-1k-€-4k▼ 197%€525€-25k

Net result€-1k-€-4k▼ 167%€-582▲ 85.2%€-26k▼ 4,318%

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 2025: a loss of €25k after €525 in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €50k

66.4%

33.6%

Fixed assets €33k▼ 23.6%

Current assets €17k▼ 52.2%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-11k▼

2024 · €12k

Cash flow

€-12k▼

2024 · €11k

Solvency

-57.8%▼

2024 · -3.8%

Current ratio

0.26▼

2024 · 0.57

Quick ratio

0.26▼

2024 · 0.57

Debt / equity

-2.73▲

2024 · -27.13

ROE

89.6%▲

2024 · 19.5%

ROA

-51.8%▼

2024 · -0.7%

Interest coverage

-8.88▼

2024 · 10.79

Debt

€78k▼

2024 · €81k

Debt ≤ 1 year

€64k▲

2024 · €61k

Debt > 1 year

€14k▼

2024 · €20k

Staff costs

€18k▼

2024 · €25k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€78k€50k▼

Formation expenses20€0-

Fixed assets21/28€43k€33k▼

Intangible fixed assets21€63€0▼

Tangible fixed assets22/27€34k€24k▼

Plant, machinery and equipment23€9k€4k▼

Furniture and vehicles24€24k€19k▼

Financial fixed assets28€9k€9k=

Current assets29/58€35k€17k▼

Amounts receivable within one year40/41€25k€10k▼

Trade receivables40€19k€8k▼

Other amounts receivable41€6k€2k▼

Cash at bank and in hand54/58€9k€6k▼

Deferred charges and accrued income490/1€1k€328▼

Equity and liabilities

Total equity and liabilities10/49€78k€50k▼

Equity10/15€-3k€-29k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€-6k€-32k▼

Amounts payable17/49€81k€78k▼

Amounts payable after more than one year17€20k€14k▼

Financial debts170/4€20k€14k▼

Amounts payable within one year42/48€61k€64k▲

Current portion of amounts payable after more than one year42€5k€6k▲

Trade debts44€18k€19k▲

Suppliers440/4€18k€19k▲

Taxes, remuneration and social security45€3k€4k▲

Taxes450/3€400€300▼

Remuneration and social security454/9€3k€3k▲

Other amounts payable47/48€35k€36k▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€120k-

Remuneration, social security and pensions62€25k€18k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲

Other operating charges640/8€1k€2k▲

Gross operating margin9900€38k€9k▼

Operating profit (loss)9901€525€-25k▼

Financial income75/76B€9€0▼

Recurring financial income75€9€0▼

Financial charges65/66B€1k€1k▲

Recurring financial charges65€1k€1k▲

Profit (loss) for the period before taxes9903€-582€-26k▼

Profit (loss) for the period9904€-582€-26k▼

Profit (loss) for the period to be appropriated9905€-582€-26k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-6k€-32k▼

Profit (loss) brought forward from the previous period14P€-5k€-6k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 20 days late

2025

31-12

Financial Weakest financial yearnet €-26k

Net result drops to €-26k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

2023

28-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Seraing · 1 establishment unit since 2021

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.

Rue des Makets 584101 Seraing

Ground area

981 m²

Building footprint

127 m²

Volume, LiDAR

898 m³

2 parcels, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

JMLE SERVICES

Rue Petit-Diamant 5, 4100 SeraingSewerage

since 20212.322.841.380

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62358H0110/00E123	Wallonia	617 m²	1 · 71 m²	9.5 m · 3 fl.
62058A0038/00D002	Wallonia	365 m²	1 · 56 m²	7.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Sint-Katelijne-Waver · Eq €1k

Of 4,832 companies in sector 53200 we hold annual accounts for 1,286. 313 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-10-2021

Fiscal year end31-12

Activities, NACEBEL

53200Other postal and courier activities

47511Retail trade

49410Freight transport by road

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.