JMV
ActiveJMV has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312k and a net result of €46k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-7
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 2.33 in 2024), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
69.2%
Return on assets
10.2%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
2 d early
2023
32 d early
2022
32 d early
2021
43 d early
2020
20 d late
2019
8 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▲ 16.8%
2024 · €267k
2018: €155k
2019: €182k
2020: €201k
2021: €187k
2022: €218k
2023: €227k
2024: €267k
2018 → 2025
Total assets
€451k▲ 12.9%
2024 · €399k
2018: €380k
2019: €373k
2020: €425k
2021: €425k
2022: €412k
2023: €381k
2024: €399k
2018 → 2025
Net result
€46k▲ 7.0%
2024 · €43k
2018: €-26k
2019: €28k
2020: €20k
2021: €34k
2022: €32k
2023: €10k
2024: €43k
2018 → 2025
Working capital
€128k▲ 6.2%
2024 · €121k
2018: €90k
2019: €115k
2020: €113k
2021: €79k
2022: €92k
2023: €73k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€218k▲ 16.8%€227k▲ 4.3%€267k▲ 17.5%€312k▲ 16.8%
Operating result€44k-€52k▲ 17.7%€19k▼ 64.1%€69k▲ 269%€68k▼ 0.3%
Net result€34k-€32k▼ 5.2%€10k▼ 68.6%€43k▲ 323%€46k▲ 7.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €451k
Fixed assets
€204k▲ 8.6%
Current assets
€247k▲ 16.6%
Equity and liabilities €451k
Equity
€312k▲ 16.8%
Debt
€139k▲ 4.8%
The debt ratio falls from 33.1% to 30.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€99k▼
2024 · €100k
Cash flow
€77k▲
2024 · €74k
Solvency
69.2%▲
2024 · 66.9%
Current ratio
2.08▼
2024 · 2.33
Quick ratio
1.82▲
2024 · 1.71
Debt / equity
0.44▼
2024 · 0.50
ROE
14.7%▼
2024 · 16.0%
ROA
10.2%▼
2024 · 10.7%
Interest coverage
52.46▲
2024 · 22.78
Debt
€139k▲
2024 · €132k
Debt ≤ 1 year
€118k▲
2024 · €91k
Debt > 1 year
€20k▼
2024 · €41k
Income taxes
€21k=
2024 · €21k
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€399k€451k▲
Fixed assets21/28€188k€204k▲
Tangible fixed assets22/27€188k€204k▲
Land and buildings22€139k€129k▼
Plant, machinery and equipment23€7k€50k▲
Furniture and vehicles24€42k€25k▼
Current assets29/58€212k€247k▲
Stocks and contracts in progress3€57k€31k▼
Stocks30/36€19k€20k▲
Contracts in progress37€38k€12k▼
Amounts receivable within one year40/41€116k€163k▲
Trade receivables40€109k€125k▲
Other amounts receivable41€7k€37k▲
Cash at bank and in hand54/58€35k€49k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€399k€451k▲
Equity10/15€267k€312k▲
Contributions10/11€19k€19k=
Reserves13€248k€293k▲
Distributable reserves133€248k€293k▲
Amounts payable17/49€132k€139k▲
Amounts payable after more than one year17€41k€20k▼
Financial debts170/4€41k€20k▼
Amounts payable within one year42/48€91k€118k▲
Current portion of amounts payable after more than one year42€21k€35k▲
Trade debts44€56k€67k▲
Suppliers440/4€56k€67k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€2k€833▼
Accrued charges and deferred income492/3€669-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€31k▼
Other operating charges640/8€3k€10k▲
Gross operating margin9900€103k€109k▲
Operating profit (loss)9901€69k€68k▼
Financial income75/76B€129€809▲
Recurring financial income75€129€809▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€64k€67k▲
Income taxes67/77€21k€21k=
Profit (loss) for the period9904€43k€46k▲
Profit (loss) for the period to be appropriated9905€43k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€46k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€42k€45k▲
To other reserves6921€42k€45k▲
Profit to be distributed694/7€3k€833▼
Return on contributions (dividend)694€3k€833▼
The notes to these accounts (11 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Highest result since 2018net €46k ▲7%
Net result €46k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €218k ▲16.8%
4 profitable years in a row build equity to €218k.
18-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €200kEq €201k ▲10.6%
2 profitable years in a row build equity to €201k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Harelbeke · 1 establishment unit since 2006
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.
Aardappelstraat 48531 HarelbekeGround area
1,000 m²
Building footprint
190 m²
Volume, LiDAR
1,303 m³
Parcel 34017B0552/00A002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JMV
since 20062.155.322.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34017B0552/00A002 | Flanders | 1,000 m² | 1 · 190 m² | 9.8 m · 2 fl. |
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.
Recognitions · licences · registrations
Dual-learning approval
2 endedSimilar companies · same sector, comparable size
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NEESKENS
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VS MANAGEMENT
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ETS LAMBERT Jean-Luc
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Of 9,478 companies in sector 43222 we hold annual accounts for 5,626. 4,492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2006
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.