JMLOCA
ActiveSummary
JMLOCA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €437,406 and a net result of €45,912. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 3560 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability75▲+3
Solvency72▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 3.03 in 2023; short-term debt: 30.7% and cash: 42.3% of total assets), but 53.3% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
2 d late
2022
4 d early
2021
29 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 14 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
In the rankings
#6 company by equity in Leuze-en-Hainaut, Construction sector#10 company by total assets in Leuze-en-Hainaut, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45,912▲ 151%
2023 · €18,311
Working capital
€263,615▼ 17.9%
2023 · €321,172
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€71,376▲ 68.1%€168,014▲ 135%€58,504▼ 65.2%€31,687▼ 45.8%€73,293▲ 131%
Net result€63,343within the sector's middle half▲ 76.9%€134,683above the sector's middle half▲ 113%€41,905within the sector's middle half▼ 68.9%€18,311within the sector's middle half▼ 56.3%€45,912within the sector's middle half▲ 151%
Equity€221,835within the sector's middle half▲ 27.9%€355,716within the sector's middle half▲ 60.4%€396,818within the sector's middle half▲ 11.6%€414,294within the sector's middle half▲ 4.4%€437,406within the sector's middle half▲ 5.6%
Total assets€475,244within the sector's middle half▲ 28.3%€704,342within the sector's middle half▲ 48.2%€808,503within the sector's middle half▲ 14.8%€644,799within the sector's middle half▼ 20.2%€935,636within the sector's middle half▲ 45.1%
Debt€244,656▲ 30.8%€316,268▲ 29.3%€373,352▲ 18.0%€193,667▼ 48.1%€455,208▲ 135%
Working capital€112,566within the sector's middle half▲ 45.7%€79,353within the sector's middle half▼ 29.5%€189,038within the sector's middle half▲ 138%€321,172within the sector's middle half▲ 69.9%€263,615within the sector's middle half▼ 17.9%
Solvency46.7%within the sector's middle half▼ 0.2pp50.5%within the sector's middle half▲ 3.8pp49.1%within the sector's middle half▼ 1.4pp64.3%above the sector's middle half▲ 15.2pp46.7%within the sector's middle half▼ 17.5pp
Current ratio1.68within the sector's middle half▲ 0.261.45within the sector's middle half▼ 0.221.98within the sector's middle half▲ 0.523.03above the sector's middle half▲ 1.051.92within the sector's middle half▼ 1.12
Return on assets (ROA)13.3%above the sector's middle half▲ 3.7pp19.1%above the sector's middle half▲ 5.8pp5.2%within the sector's middle half▼ 13.9pp2.8%within the sector's middle half▼ 2.3pp4.9%within the sector's middle half▲ 2.1pp
Staff (FTE)0.8below the sector's middle half▲ 60.0%0.1below the sector's middle half▼ 87.5%0.4below the sector's middle half0below the sector's middle half▼ 100%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 131% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €935,636
Fixed assets
€384,441 ▲ 132%
Current assets
€551,195 ▲ 15.1%
Equity and liabilities €935,636
Equity
€437,406 ▲ 5.6%
Provisions
€43,022 ▲ 16.8%
Debt
€455,208 ▲ 135%
Debt's share of the balance-sheet total rises from 30.0% to 48.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€223,316▲
2023 · €159,518
Cash flow
€195,935▲
2023 · €146,142
Quick ratio
1.78▼
2023 · 2.79
Debt to equity
1.04▲
2023 · 0.47
ROE
10.5%▲
2023 · 4.4%
Interest coverage
17.65▼
2023 · 32.51
Debt ≤ 1 year
€287,580▲
2023 · €157,907
Debt > 1 year
€166,593▲
2023 · €34,989
Income taxes
€9,468▼
2023 · €9,966
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,045 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.3%
went bankrupt
3.6%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,045 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €833 | €246 | €6,080 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,720 | €157,830 | €171,604 | €127,831 | €150,023 | ▲ 17.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €9,648 | -€25,000 | - | - |
| Other operating charges640/8 | - | €11,951 | €11,847 | €7,692 | €14,638 | ▲ 90.3% |
| Non-recurring operating charges66A | - | - | - | €14,786 | €7,913 | ▼ 46.5% |
| Gross operating margin9900 | €148,513 | €338,627 | €251,848 | €163,076 | €245,867 | ▲ 50.8% |
| Operating profit (loss)9901 | €71,376 | €168,014 | €58,504 | €31,687 | €73,293 | ▲ 131% |
| Financial income75/76B | - | €50 | €7 | - | €924 | - |
| Recurring financial income75 | €0 | €50 | €7 | - | €924 | - |
| Financial charges65/66B | - | €3,276 | €4,499 | €4,906 | €12,653 | ▲ 158% |
| Recurring financial charges65 | €1,004 | €3,276 | €4,499 | €4,906 | €12,653 | ▲ 158% |
| Profit (loss) for the period before taxes9903 | €70,372 | €164,788 | €54,012 | €26,781 | €61,564 | ▲ 130% |
| Transfer from deferred taxes780 | - | €12,203 | €12,025 | €11,647 | €13,566 | ▲ 16.5% |
| Transfer to deferred taxes680 | - | €35,808 | €18,000 | €10,151 | €19,750 | ▲ 94.6% |
| Income taxes67/77 | €8,133 | €6,500 | €6,132 | €9,966 | €9,468 | ▼ 5.0% |
| Profit (loss) for the period9904 | €63,343 | €134,683 | €41,905 | €18,311 | €45,912 | ▲ 151% |
| Transfer from tax-exempt reserves789 | - | €43,840 | €44,121 | €46,587 | €54,266 | ▲ 16.5% |
| Transfer to tax-exempt reserves689 | - | €143,232 | €72,000 | €40,605 | €79,000 | ▲ 94.6% |
| Profit (loss) for the period to be appropriated9905 | €56,423 | €35,291 | €14,026 | €24,293 | €21,178 | ▼ 12.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €475,244 | €704,342 | €808,503 | €644,799 | €935,636 | ▲ 45.1% |
| Fixed assets21/28 | €196,494 | €450,536 | €426,520 | €165,720 | €384,441 | ▲ 132% |
| Tangible fixed assets22/27 | €196,359 | €450,266 | €426,250 | €165,250 | €383,971 | ▲ 132% |
| Plant, machinery and equipment23 | - | €256,801 | €166,744 | €97,663 | €258,489 | ▲ 165% |
| Furniture and vehicles24 | - | €193,465 | €128,552 | €67,587 | €125,482 | ▲ 85.7% |
| Leasing and similar rights25 | - | - | €130,954 | - | - | - |
| Financial fixed assets28 | €135 | €270 | €270 | €470 | €470 | = |
| Current assets29/58 | €278,750 | €253,806 | €381,984 | €479,079 | €551,195 | ▲ 15.1% |
| Stocks and contracts in progress3 | €3,789 | €1,304 | €1,729 | €39,271 | €39,118 | ▼ 0.4% |
| Stocks30/36 | - | €1,304 | €1,729 | €7,072 | €4,046 | ▼ 42.8% |
| Contracts in progress37 | - | €0 | - | €32,199 | €35,072 | ▲ 8.9% |
| Amounts receivable within one year40/41 | €84,939 | €55,114 | €110,772 | €193,955 | €116,032 | ▼ 40.2% |
| Trade receivables40 | - | €33,588 | €96,659 | €143,718 | €15,933 | ▼ 88.9% |
| Other amounts receivable41 | - | €21,526 | €14,113 | €50,237 | €100,099 | ▲ 99.3% |
| Cash at bank and in hand54/58 | €156,828 | €197,389 | €269,483 | €245,853 | €396,045 | ▲ 61.1% |
| Deferred charges and accrued income490/1 | - | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €475,244 | €704,342 | €808,503 | €644,799 | €935,636 | ▲ 45.1% |
| Equity10/15 | €221,835 | €355,716 | €396,818 | €414,294 | €437,406 | ▲ 5.6% |
| Contributions10/11 | - | €27,186 | €27,186 | €27,186 | €27,186 | = |
| Reserves13 | €143,361 | €242,753 | €284,657 | €302,969 | €326,941 | ▲ 7.9% |
| Non-distributable reserves130/1 | - | €2,719 | €2,719 | - | - | - |
| Reserves not available under the articles1311 | - | €2,719 | €2,719 | - | - | - |
| Tax-exempt reserves132 | - | €150,141 | €178,020 | €172,038 | €196,772 | ▲ 14.4% |
| Distributable reserves133 | - | €89,894 | €103,919 | €130,931 | €130,169 | ▼ 0.6% |
| Profit (loss) carried forward14 | €51,288 | €85,777 | €84,975 | €84,139 | €83,279 | ▼ 1.0% |
| Provisions and deferred taxes16 | €8,753 | €32,358 | €38,334 | €36,838 | €43,022 | ▲ 16.8% |
| Deferred taxes168 | - | €32,358 | €38,334 | €36,838 | €43,022 | ▲ 16.8% |
| Amounts payable17/49 | €244,656 | €316,268 | €373,352 | €193,667 | €455,208 | ▲ 135% |
| Amounts payable after more than one year17 | €78,471 | €141,815 | €180,406 | €34,989 | €166,593 | ▲ 376% |
| Financial debts170/4 | - | €141,815 | €180,406 | €34,989 | €166,593 | ▲ 376% |
| Amounts payable within one year42/48 | €166,184 | €174,453 | €192,946 | €157,907 | €287,580 | ▲ 82.1% |
| Current portion of amounts payable after more than one year42 | - | €63,760 | €95,238 | €37,457 | €67,892 | ▲ 81.3% |
| Trade debts44 | €66,406 | €46,255 | €34,320 | €86,893 | €190,168 | ▲ 119% |
| Suppliers440/4 | - | €46,255 | €34,320 | €86,893 | €190,168 | ▲ 119% |
| Advances received on contracts in progress46 | - | - | €19,750 | - | - | - |
| Taxes, remuneration and social security45 | - | €20,670 | €16,690 | €18,086 | €16,283 | ▼ 10.0% |
| Taxes450/3 | - | €14,633 | €12,632 | €15,968 | €13,618 | ▼ 14.7% |
| Remuneration and social security454/9 | - | €6,036 | €4,057 | €2,118 | €2,665 | ▲ 25.8% |
| Other amounts payable47/48 | - | €43,769 | €26,949 | €15,471 | €13,237 | ▼ 14.4% |
| Accrued charges and deferred income492/3 | - | - | - | €771 | €1,035 | ▲ 34.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63,343 | €134,683 | €41,905 | €18,311 | €45,912 | ▲ 151% |
| + Depreciation and write-downs630 | €54,720 | €157,830 | €171,604 | €127,831 | €150,023 | ▲ 17.4% |
| Operating cash flow (approximation) | €118,064 | €292,513 | €213,508 | €146,142 | €195,935 | ▲ 34.1% |
| Investment in fixed assets (approximation) | - | -€411,872 | -€147,588 | €132,969 | -€368,744 | ▼ 377% |
| Change in cash | - | €40,561 | €72,094 | -€23,630 | €150,192 | ▲ 736% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €18,311 ▼56.3%
Net result drops to €18,311, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €134,683 ▲113%
Operating result €168,014, net result €134,683, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
31-12
Financial
Equity above €200,000Eq €221,835 ▲27.9%
3 profitable years in a row build equity to €221,835.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Leuze-en-Hainaut · 1 establishment unit since 2016
Ground area
1,802 m²
Building footprint
156 m²
Parcel 57020A0376/00N002, Wallonia. Linked by address, not a title deed.
1 establishment unit
JMLOCA
since 20162.257.470.607
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57020A0376/00N002 | Wallonia | 1,802 m² | 1 · 156 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
14 categoriesJMLOCA SRL37657
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Of 8,465 companies in sector 43120 we hold annual accounts for 3,233. 2,258 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
01610Support activities for crop production
33120Repair and maintenance of machinery
47761Retail sale of flowers, plants, seeds and fertilisers
77221Rental and leasing activities
77310Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0660902966
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.