Summary
JMVS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €148k and a net result of €21k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 8048 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
53 d early
2023
58 d early
2022
50 d early
2021
56 d early
2020
54 d early
2019
51 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€148k▲ 11.9%
2024 · €132k
Net result
€21k▼ 25.3%
2024 · €28k
Total assets
€160k▲ 14.8%
2024 · €140k
Solvency
92.4%▼ 2.4pp
2024 · 94.9%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€48k€131k▲ 176%€28k▼ 78.6%€37k▲ 30.8%€28k▼ 23.3%
Net result€35k€88k▲ 152%€19k▼ 77.8%€28k▲ 42.2%€21k▼ 25.3%
Equity€26k▼ 47.0%€92k▲ 248%€105k▲ 13.6%€132k▲ 26.5%€148k▲ 11.9%
Total assets€98k▲ 87.7%€133k▲ 35.4%€131k▼ 1.4%€140k▲ 6.8%€160k▲ 14.8%
Debt€71k▲ 3,068%€40k▼ 43.4%€26k▼ 35.6%€7k▼ 72.4%€12k▲ 69.1%
Working capital€10k▼ 63.4%€81k▲ 744%€97k▲ 19.4%€71k▼ 26.2%€98k▲ 36.8%
Solvency27.0%▼ 68.7pp69.5%▲ 42.5pp80.0%▲ 10.6pp94.9%▲ 14.8pp92.4%▼ 2.4pp
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€50k ▼ 17.3%
Current assets
€110k ▲ 39.7%
Equity and liabilities €160k
Equity
€148k ▲ 11.9%
Debt
€12k ▲ 69.1%
Debt's share of the balance-sheet total rises from 5.1% to 7.6%. Equity and debt are higher.
Key figures and ratios
ROE
14.0%▼
2024 · 20.9%
ROA
12.9%▼
2024 · 19.9%
Debt ≤ 1 year
€12k▲
2024 · €7k
Income taxes
€9k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €6k | €6k | €18k | €11k | ▼ 40.1% |
| Other operating charges640/8 | - | €182 | €184 | €194 | €126 | ▼ 35.0% |
| Gross operating margin9900 | €56k | €137k | €34k | €55k | €39k | ▼ 28.8% |
| Operating profit (loss)9901 | €48k | €131k | €28k | €37k | €28k | ▼ 23.3% |
| Financial income75/76B | - | €0 | €98 | €511 | €2k | ▲ 195% |
| Recurring financial income75 | €0 | €0 | €98 | €511 | €2k | ▲ 195% |
| Financial charges65/66B | - | €205 | €128 | €101 | €106 | ▲ 5.1% |
| Recurring financial charges65 | €64 | €205 | €128 | €101 | €106 | ▲ 5.1% |
| Profit (loss) for the period before taxes9903 | €48k | €131k | €28k | €37k | €30k | ▼ 20.4% |
| Income taxes67/77 | €13k | €44k | €9k | €9k | €9k | ▼ 6.0% |
| Profit (loss) for the period9904 | €35k | €88k | €19k | €28k | €21k | ▼ 25.3% |
| Transfer from tax-exempt reserves789 | - | €12k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €35k | €100k | €19k | €28k | €21k | ▼ 25.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €98k | €133k | €131k | €140k | €160k | ▲ 14.8% |
| Fixed assets21/28 | €17k | €11k | €8k | €61k | €50k | ▼ 17.3% |
| Tangible fixed assets22/27 | €17k | €11k | €8k | €61k | €50k | ▼ 17.3% |
| Land and buildings22 | - | - | - | €47k | €43k | ▼ 9.1% |
| Plant, machinery and equipment23 | - | €3k | €3k | €8k | €3k | ▼ 62.0% |
| Furniture and vehicles24 | - | €8k | €5k | €5k | €4k | ▼ 20.5% |
| Current assets29/58 | €81k | €122k | €123k | €79k | €110k | ▲ 39.7% |
| Amounts receivable within one year40/41 | €8k | €7k | €17k | €4k | €18k | ▲ 350% |
| Trade receivables40 | - | - | €13k | €545 | €15k | ▲ 2,690% |
| Other amounts receivable41 | - | €7k | €4k | €3k | €2k | ▼ 28.1% |
| Cash at bank and in hand54/58 | €73k | €114k | €106k | €75k | €92k | ▲ 23.6% |
| Deferred charges and accrued income490/1 | - | - | - | €99 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €98k | €133k | €131k | €140k | €160k | ▲ 14.8% |
| Equity10/15 | €26k | €92k | €105k | €132k | €148k | ▲ 11.9% |
| Contributions10/11 | - | €12k | €12k | €14k | €14k | = |
| Reserves13 | €14k | €80k | €92k | €118k | €134k | ▲ 13.3% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €78k | €90k | €118k | €134k | ▲ 13.3% |
| Profit (loss) carried forward14 | €21 | - | - | - | - | - |
| Amounts payable17/49 | €71k | €40k | €26k | €7k | €12k | ▲ 69.1% |
| Amounts payable within one year42/48 | €71k | €40k | €26k | €7k | €12k | ▲ 69.1% |
| Trade debts44 | €83 | €206 | €16k | - | - | - |
| Suppliers440/4 | - | €206 | €16k | - | - | - |
| Taxes, remuneration and social security45 | - | €26k | €5k | €7k | €9k | ▲ 20.4% |
| Taxes450/3 | - | €26k | €5k | €7k | €9k | ▲ 20.4% |
| Other amounts payable47/48 | - | €14k | €5k | - | €4k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35k | €88k | €19k | €28k | €21k | ▼ 25.3% |
| + Depreciation and write-downs630 | €8k | €6k | €6k | €18k | €11k | ▼ 40.1% |
| Operating cash flow (approximation) | €43k | €93k | €25k | €45k | €31k | ▼ 31.1% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-71k | €0 | ▲ 100% |
| Change in cash | - | €42k | €-8k | €-31k | €18k | ▲ 156% |
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
Next filing, fiscal year 2026, expected by
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 10.94
Current ratio from 4.71 to 10.94; short-term debt falls from €26k to €7k.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €100kEq €105k ▲13.6%
3 profitable years in a row build equity to €105k.
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €88k ▲152%
Operating result €131k, net result €88k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 3.00
Current ratio from 1.13 to 3.00; short-term debt falls from €71k to €40k.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
01-02
State Gazette act
General meeting · Capital increase
Share issue · Statutes amendment
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
30-06
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 12.64
Current ratio from 3.70 to 12.64; short-term debt falls from €10k to €2k.
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Izegem · 1 establishment unit since 2013
Ground area
4,424 m²
Building footprint
469 m²
Volume, LiDAR
8,128 m³
Parcel 36008A0204/00W000, Flanders · tallest building 18.9 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JMVS
since 20132.219.644.169
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36008A0204/00W000 | Flanders | 4,424 m² | 1 · 469 m² | 18.9 m · 6 fl. |
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.
Structure & network
Connections & network
3 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
CAFIMO
Shared director
→
JVMS
Shared director
→
VOKA - Kamer van Koophandel Vlaams-Brabant
Shared director
→
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,219 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
Founded30-05-2013
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
jmv@jmvs.beIzegem
Scores and ratios are computed by Checked and are not a credit decision.