JMP CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of JMP CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €44k and a net result of €5k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 7452 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-6
Solvency57▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.19 in 2024; short-term debt: 40.9% and cash: 20.8% of total assets), and 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.6%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 3 filingsDeviation from the deadline
2025
19 d late
2024
6 d late
2023
12 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 10.5%
2024 · €40k
2023: €31k
2024: €40k
2023 → 2025
Total assets
€140k▲ 19.5%
2024 · €118k
2023: €122k
2024: €118k
2023 → 2025
Net result
€5k▼ 49.0%
2024 · €10k
2023: €22k
2024: €10k
2023 → 2025
Working capital
€5k▼ 50.5%
2024 · €11k
2023: €-20k
2024: €11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€31k-€40k▲ 28.9%€44k▲ 10.5%
Operating result€30k-€19k▼ 37.8%€11k▼ 43.2%
Net result€22k-€10k▼ 55.0%€5k▼ 49.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€78k▲ 54.1%
Current assets
€63k▼ 6.5%
Equity and liabilities €140k
Equity
€44k▲ 10.5%
Debt
€96k▲ 24.2%
The debt ratio rises from 65.9% to 68.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €43k
Cash flow
€34k▼
2024 · €35k
Solvency
31.6%▼
2024 · 34.1%
Current ratio
1.09▼
2024 · 1.19
Quick ratio
1.09▼
2024 · 1.19
Debt / equity
2.17▲
2024 · 1.93
ROE
11.4%▼
2024 · 24.6%
ROA
3.6%▼
2024 · 8.4%
Interest coverage
10.31▲
2024 · 7.40
Debt
€96k▲
2024 · €77k
Debt ≤ 1 year
€57k▲
2024 · €56k
Debt > 1 year
€37k▲
2024 · €17k
Income taxes
€2k▼
2024 · €3k
Staff costs
€0▼
2024 · €586
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€118k€140k▲
Fixed assets21/28€50k€78k▲
Tangible fixed assets22/27€50k€78k▲
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€18k€55k▲
Leasing and similar rights25€17k€11k▼
Current assets29/58€67k€63k▼
Amounts receivable within one year40/41€16k€28k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€14k€25k▲
Cash at bank and in hand54/58€49k€29k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€118k€140k▲
Equity10/15€40k€44k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€30k€34k▲
Amounts payable17/49€77k€96k▲
Amounts payable after more than one year17€17k€37k▲
Financial debts170/4€17k€37k▲
Amounts payable within one year42/48€56k€57k▲
Current portion of amounts payable after more than one year42€11k€21k▲
Trade debts44€6k€716▼
Suppliers440/4€6k€716▼
Taxes, remuneration and social security45€0€13k▲
Taxes450/3€0€13k▲
Other amounts payable47/48€40k€23k▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Remuneration, social security and pensions62€586€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€29k▲
Other operating charges640/8€1k€956▼
Non-recurring operating charges66A€96€0▼
Gross operating margin9900€45k€41k▼
Operating profit (loss)9901€19k€11k▼
Financial income75/76B€58€102▲
Recurring financial income75€58€102▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€13k€7k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€35k▲
Profit (loss) brought forward from the previous period14P€21k€30k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼49%
Net result drops to €5k, the lowest in the series.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 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, Durbuy · 1 establishment unit since 2022
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 Trois Fontaines (Pas-Bayard) 336940 DurbuyGround area
1,185 m²
Building footprint
131 m²
Parcel 83054B0042/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JMP CONSTRUCT
since 20222.339.212.408
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83054B0042/00C000 | Wallonia | 1,185 m² | 1 · 130 m² | - |
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
JUST MC
BE 1017.527.921
Lennik · Eq €44k
RENERCO
BE 0788.755.894
Braine-le-Comte · Eq €44k
WELL STORE
BE 0422.878.923
Ukkel · Eq €44k
TESTA CONSTRUCT
BE 0832.505.666
Hove · Eq €44k
GREEN BUILD
BE 0786.265.964
Sint-Agatha-Berchem · Eq €44k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 12,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
95315Tyre services
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jm-prevot@hotmail.com
Phone:+32474757643