JMT
ActiveSummary
JMT has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277,205 and a net result of €83,966. Its solvency ranks better than 85% of 10,818 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-06-2023 Normal situation
- Activity
- Activities of head offices NACE 70100and 2 others
- Establishment unit
- 2.349.045.337 9150 Beveren-Kruibeke-Zwijndrecht, since 29-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Board and ownership
Board
- DE COCK Erik Amedee Anne MarieDirector · since 29-06-2023
- DE COCK JürgenDirector · since 29-06-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
Annual accounts 2025
- Gross margin
- €107,580
- ▼ 56.2%
- Turnover
- ≈ €180,000
- estimated
- Profit
- €83,966
- ▼ 55.4%
- Equity
- €277,205
- ▲ 43.5%
- Total assets
- €313,197
- ▲ 41.9%
Score breakdownraises riskFounded in 2023lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 8.70, cash €91,261Equity €277,205 (88.5% of total assets)Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 81% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency
100=
equity 88.5% of total assets
Liquidity
85-13
short-term debt 11.5% · cash 29.1%
Profitability
100=
return on assets 26.8%
Bankruptcy probability within 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.5%▲ +0.1 percentage points vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.6 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.7 (8.05 in 2024), above the usual 1.5. Short-term debt is 11.5% and cash 29.1% of total assets. 11.5% of the assets are financed with debt and provisions.
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 70, micro). It does better than 86% of them on solvency, 78% on liquidity, 84% on profitability and 78% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 day early
2024
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 1 day before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 30-07-2026 at the NBB all 2 filings
Turnover
≈ €180,000
Estimated: probably between €140,000 and €230,000
Total assets
€313,197▲ 41.9%
2024 · €220,647
Net result
€83,966▼ 55.4%
2024 · €188,238
Working capital
€277,205▲ 43.5%
2024 · €193,238
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€106,036
▼ 56.5%
2025
20242025
Net result
€83,966
▼ 55.4%
2025
middle half of the sector
20242025
Equity
€277,205
▲ 43.5%
2025
middle half of the sector
20242025
Total assets
€313,197
▲ 41.9%
2025
middle half of the sector
20242025
Debt
€35,992
▲ 31.3%
2025
20242025
Working capital
€277,205
▲ 43.5%
2025
middle half of the sector
20242025
Solvency
88.5%
▲ 0.9pp
2025
highest quarter of the sector
20242025
Current ratio
8.70
▲ 0.65
2025
highest quarter of the sector
20242025
Return on assets (ROA)
26.8%
▼ 58.5pp
2025
highest quarter of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€243,785-€106,036▼ 56.5%
Net result€188,238above the sector's middle half-€83,966within the sector's middle half▼ 55.4%
Equity€193,238within the sector's middle half-€277,205within the sector's middle half▲ 43.5%
Total assets€220,647below the sector's middle half-€313,197within the sector's middle half▲ 41.9%
Debt€27,409-€35,992▲ 31.3%
Working capital€193,238within the sector's middle half-€277,205within the sector's middle half▲ 43.5%
Solvency87.6%above the sector's middle half-88.5%above the sector's middle half▲ 0.9pp
Current ratio8.05above the sector's middle half-8.70above the sector's middle half▲ 0.65
Return on assets (ROA)85.3%above the sector's middle half-26.8%above the sector's middle half▼ 58.5pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 57% lower than in 2024.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €313,197
Equity
€277,205 ▲ 43.5%
Debt
€35,992 ▲ 31.3%
Debt's share of the balance-sheet total falls from 12.4% to 11.5%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.13▼
2024 · 0.14
ROE
30.3%▼
2024 · 97.4%
Debt ≤ 1 year
€35,992▲
2024 · €27,409
Income taxes
€22,484▼
2024 · €57,412
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €1,647 | €1,544 | ▼ 6.2% |
| Gross operating margin9900 | €245,432 | €107,580 | ▼ 56.2% |
| Operating profit (loss)9901 | €243,785 | €106,036 | ▼ 56.5% |
| Financial income75/76B | €1,918 | €1,243 | ▼ 35.2% |
| Recurring financial income75 | €1,918 | €1,243 | ▼ 35.2% |
| Financial charges65/66B | €53 | €828 | ▲ 16× |
| Recurring financial charges65 | €53 | €828 | ▲ 16× |
| Profit (loss) for the period before taxes9903 | €245,650 | €106,451 | ▼ 56.7% |
| Income taxes67/77 | €57,412 | €22,484 | ▼ 60.8% |
| Profit (loss) for the period9904 | €188,238 | €83,966 | ▼ 55.4% |
| Profit (loss) for the period to be appropriated9905 | €188,238 | €83,966 | ▼ 55.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €220,647 | €313,197 | ▲ 41.9% |
| Current assets29/58 | €220,647 | €313,197 | ▲ 41.9% |
| Amounts receivable within one year40/41 | €50,497 | €21,936 | ▼ 56.6% |
| Trade receivables40 | €47,330 | €10,890 | ▼ 77.0% |
| Other amounts receivable41 | €3,167 | €11,046 | ▲ 249% |
| Current investments50/53 | - | €200,000 | - |
| Cash at bank and in hand54/58 | €170,150 | €91,261 | ▼ 46.4% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €220,647 | €313,197 | ▲ 41.9% |
| Equity10/15 | €193,238 | €277,205 | ▲ 43.5% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €188,238 | €272,205 | ▲ 44.6% |
| Distributable reserves133 | €188,238 | €272,205 | ▲ 44.6% |
| Amounts payable17/49 | €27,409 | €35,992 | ▲ 31.3% |
| Amounts payable within one year42/48 | €27,409 | €35,992 | ▲ 31.3% |
| Trade debts44 | €8,496 | €16,374 | ▲ 92.7% |
| Suppliers440/4 | €8,496 | €16,374 | ▲ 92.7% |
| Taxes, remuneration and social security45 | €11,057 | €8,555 | ▼ 22.6% |
| Taxes450/3 | €11,057 | €8,555 | ▼ 22.6% |
| Other amounts payable47/48 | €7,855 | €11,062 | ▲ 40.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €188,238 | €83,966 | ▼ 55.4% |
| Operating cash flow (approximation) | €188,238 | €83,966 | ▼ 55.4% |
| Change in cash | - | -€78,889 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as JMT has now. Two years later, 95.9% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.9%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
The bankruptcy probability of JMT itself is lower: < 0.1% within 12 months. It rests on far more data about JMT than the profile alone.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for JMT. 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.
Board & ownership
Directors
Directors
2 directors, no change since 2023
DE COCK Erik Amedee Anne Marie
Current
Director (not named in the articles) · since 29-06-2023 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 30-07-2026
DE COCK Jürgen
Current
Director (not named in the articles) · since 29-06-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 30-07-2026
Owners and capital
Shareholders
At incorporation
act of 03-07-2023 ↗
- DE COCK Jürgen 100 shares (100%) · €5,000
Capital transactions
Capital over time
- 03-07-2023 Incorporation · €5,000 · 100 shares
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| DE COCK Erik Amedee Anne Marie |
|
| DE COCK Jürgen |
|
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Articles of association, deed of 03-07-2023 (in Dutch)
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
DE COCK SERVICES
via DE COCK Erik Amedee Anne Marie · Director (not named in the articles)
→
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
30-07
abbreviated format · 1 day before the deadline
2025
31-12
Financial
Equity above €200,000equity €277,205 ▲43.5%
With a profit in every financial year since 2024, equity grows to €277,205.
31-07
abbreviated format · on the deadline day
2023
03-07
Gazette deed
IncorporationStarting capital €5,000 · Appointments: DE COCK Jürgen (director) and DE COCK Erik Amedee Anne Marie (director) · Founder8 points ▸
Gazette deed
Incorporation
Starting capital €5,000 · Appointments: DE COCK Jürgen (director) and DE COCK Erik Amedee Anne Marie (director) · Founder8 points ▸
- Incorporation, “JMT” (deed in Dutch)
- Founder, DE COCK Jürgen
- Founding capital, €5,000
- Director appointment, DE COCK Jürgen (director (not named in the articles))
- Director appointment, DE COCK Erik Amedee Anne Marie (director (not named in the articles))
- Declaration, “beroepsverbod, geen beroepsverbod uitgesproken” (deed in Dutch), mentioned 2 times in the deed
- Pre-incorporation commitments, “takeover, rechten en verbintenissen uit rechtshandelingen in haar naam en voor haar rekening voor oprichting” (deed in Dutch)
- Pre-incorporation commitments, ratification, “verbintenissen aangegaan in tussenperiode” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
JMT in Dutch
Enterprise number
0803.382.110
Legal form
Private limited company
Status
Active, normale toestand
Founded
29-06-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 03-07-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, administratieve zetels,bijhuizen,agentschappen,depothuizen of comptoirs in België of buitenland bij eenvoudige beslissing…”
deed of 03-07-2023 (in Dutch)Registered office and establishments
Registered office
Molenberg 20A, 9150 Beveren-Kruibeke-Zwijndrecht, Belgium
Establishment unit
JMT, Molenberg 20A, 9150 Beveren-Kruibeke-Zwijndrecht since 29-06-2023 · unit number 2.349.045.337
Activities
NACEBEL 202570100
Activities of head offices main activity
41003
General construction of other non-residential buildings
64210
Activities of holding companies
Codes under NACEBEL 2008
70100
Activities of head offices main activity
41203
Construction of residential and non-residential buildings
64200
Holdings
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 03-07-2023 (in Dutch)
“Het bouwen / verbouwen,aankopen,verkopen en verhuren van onroerende goederen evenals alle handelingen welke direct of indirect welke kunne…”
16 activities
- Het bouwen / verbouwen,aankopen,verkopen en verhuren van onroerende goederen evenals alle handelingen welke direct of indirect welke kunne bijdragen tot verwezenlijking van dit voorwerp.
- Het verwerven,vervreemden,beheren,uitbaten,valoriseren,huren en verhuren,promoten,het doen bouwen of verbouwen evenals alle welk danige transacties en verrichtingen met betrekking tot onroerende goederen.
- Het bouwen / verbouwen,aankopen,verkopen en verhuren van roerende goederen evenals alle handelingen welke direct of indirect welke kunnen bijdragen tot verwezenlijking van dit voorwerp.
- Het verlenen van bedrijfsadvies op vlak van aankoop,productie,logistiek,oprichten van gebouwen,project management als mede het verlenen van diensten en bijstand op algemeen management vlak.
- Het nemen en beheren van belangen en participaties in ondernemingen,evenals rechtstreeks of onrechtstreeks deelnemen aan het bestuur alsook het waarnemen van een mandaat van bestuurder.
- Het aan en verkopen van industriële goederen,grondstoffen en andere goederen.
- Logistieke handelingen zoals onder meer opslag en transport van goederen.
- Handelen als patrimonium vennootschap.
- De vennootschap kan zich ten gunste van vennootschappen borg stellen,optreden als agent of vertegenwoordiger,voorschotten of kredieten toestaan of andere zekerheden verschaffen.
- Vennootschap kan ook zakelijke rechten vestigen op onroerende goederen.
- Tussenpersoon in de handel.
- De vennootschap heeft tevens tot voorwerp het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerende en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen,zoals de aankoop en de verkoop,huur en verhuur,de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende,het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van goederen.
- De vennootschap mag voor eigen rekening of voor rekening van derden alle commerciële,industriële,financiële,burgerlijke,roerende en onroerende handelingen of verrichtingen stellen,die haar nuttig voorkomen om rechtstreeks of onrechtstreeks haar voorwerp te realiseren of de realisatie ervan te bevorderen of te vergemakkelijken.
- De vennootschap mag bij wijze van inbreng,opslorping,fusie,intekening of op enige andere wijze belangen nemen in alle ondernemingen,verenigingen of vennootschappen met een gelijkaardig of aanverwant voorwerp.
- De vennootschap kan zich ten gunste van derden borg stellen of hen aval verlenen,hypothecaire of andere zekerheden verstrekken.
- De vennootschap kan de functie van bestuurder of zaakvoerder in andere vennootschappen waarnemen
Invoicing and payment
VAT number
BE 0803.382.110
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0803.382.110
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 18:00
deed of 03-07-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,005 m²
Building footprint
183 m²
Building volume
1,479 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46013C0638/00D000 | Flanders | 1,005 m² | 1 · 183 m² | 12.5 m · 3 |