JMV TAILORING
ActiveJMV TAILORING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €30k. Equity is growing by ~49.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-5
Solvency72▼-2
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.08 in 2024; short-term debt: 50% and cash: 21.7% of total assets), but 52.7% 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 · 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 46
Relative position
BE, all sectors
reference
Sector 46
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
47.3%
Return on assets
11.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
1 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▲ 30.7%
2024 · €92k
2021: €20k
2022: €42k
2023: €64k
2024: €92k
2021 → 2025
Total assets
€255k▲ 35.2%
2024 · €189k
2021: €143k
2022: €157k
2023: €204k
2024: €189k
2021 → 2025
Net result
€30k▲ 0.7%
2024 · €30k
2021: €12k
2022: €29k
2023: €22k
2024: €30k
2021 → 2025
Working capital
€102k▲ 10.3%
2024 · €93k
2021: €50k
2022: €59k
2023: €73k
2024: €93k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€42k▲ 112%€64k▲ 51.0%€92k▲ 44.0%€121k▲ 30.7%
Operating result€15k-€39k▲ 152%€32k▼ 18.7%€47k▲ 49.3%€42k▼ 10.5%
Net result€12k-€29k▲ 148%€22k▼ 24.9%€30k▲ 37.9%€30k▲ 0.7%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets
€25k▲ 145%
Current assets
€229k▲ 28.8%
Equity and liabilities €255k
Equity
€121k▲ 30.7%
Debt
€134k▲ 39.6%
The debt ratio rises from 51.1% to 52.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €51k
Cash flow
€36k▲
2024 · €34k
Solvency
47.3%▼
2024 · 48.9%
Current ratio
1.80▼
2024 · 2.08
Quick ratio
1.79▼
2024 · 2.06
Debt / equity
1.12▲
2024 · 1.05
ROE
24.9%▼
2024 · 32.3%
ROA
11.8%▼
2024 · 15.8%
Interest coverage
7.29▲
2024 · 5.93
Debt
€134k▲
2024 · €96k
Debt ≤ 1 year
€127k▲
2024 · €86k
Debt > 1 year
€7k▼
2024 · €11k
Income taxes
€10k▼
2024 · €13k
Staff costs
€110k▲
2024 · €71k
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€189k€255k▲
Fixed assets21/28€10k€25k▲
Intangible fixed assets21€1k€598▼
Tangible fixed assets22/27€9k€25k▲
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€533€15k▲
Current assets29/58€178k€229k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€104k€168k▲
Trade receivables40€98k€162k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€71k€55k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€189k€255k▲
Equity10/15€92k€121k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€82k€111k▲
Amounts payable17/49€96k€134k▲
Amounts payable after more than one year17€11k€7k▼
Financial debts170/4€11k€7k▼
Amounts payable within one year42/48€86k€127k▲
Current portion of amounts payable after more than one year42€10k€5k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€26k€62k▲
Suppliers440/4€26k€62k▲
Taxes, remuneration and social security45€48k€59k▲
Taxes450/3€36k€43k▲
Remuneration and social security454/9€12k€16k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€110k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€2k€836▼
Gross operating margin9900€125k€159k▲
Operating profit (loss)9901€47k€42k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€43k€40k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€30k€30k▲
Profit (loss) for the period to be appropriated9905€30k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€112k▲
Profit (loss) brought forward from the previous period14P€54k€82k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €30k ▲0.7%
Net result €30k, the highest in the series.
30-09
Financial
Equity above €100kEq €121k ▲30.7%
5 profitable years in a row build equity to €121k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kortrijk · 1 establishment unit since 2020
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.
Rekkemsestraat(Mar) 2648510 KortrijkGround area
1,949 m²
Building footprint
236 m²
Volume, LiDAR
1,191 m³
Parcel 34026A0054/00T000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rekkemsestraat(Mar) 264, 8510 Kortrijk
since 20202.307.949.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0054/00T000 | Flanders | 1,949 m² | 1 · 236 m² | 7.9 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.
Similar companies · same sector, comparable size
MAD - DAM
BE 0479.793.771
Brussel · Eq €121k
MARTIELINE
BE 0468.563.448
Deinze · Eq €121k
ILANKA
BE 0873.875.671
Geel · Eq €120k
Falimmo
BE 0414.987.081
Namur · Eq €119k
TOORA BENELUX
BE 0839.864.602
Dilsen-Stokkem · Eq €119k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 572 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2020
Fiscal year end30-09
Activities, NACEBEL
46421Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.