JPM & Management
ActiveJPM & Management has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €45k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+24
Solvency65▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.14 in 2024), and 45.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
54.8%
Return on assets
8%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 10 filingsDeviation from the deadline
2025
10 d late
2024
22 d late
2023
50 d late
2022
77 d late
2021
78 d late
2020
69 d late
2019
68 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€307k▲ 17.1%
2024 · €262k
2018: €188k
2019: €194k
2020: €196k
2021: €204k
2022: €215k
2023: €237k
2024: €262k
2018 → 2025
Total assets
€560k▲ 2.7%
2024 · €545k
2018: €343k
2019: €342k
2020: €339k
2021: €346k
2022: €347k
2023: €532k
2024: €545k
2018 → 2025
Net result
€45k▲ 74.8%
2024 · €26k
2018: €22k
2019: €6k
2020: €2k
2021: €8k
2022: €11k
2023: €22k
2024: €26k
2018 → 2025
Working capital
€-83k▲ 17.9%
2024 · €-101k
2018: €-61k
2019: €-52k
2020: €-56k
2021: €-58k
2022: €-57k
2023: €-101k
2024: €-101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€204k-€215k▲ 5.3%€237k▲ 10.1%€262k▲ 10.9%€307k▲ 17.1%
Operating result€12k-€17k▲ 39.7%€32k▲ 88.1%€52k▲ 61.2%€49k▼ 6.9%
Net result€8k-€11k▲ 42.5%€22k▲ 102%€26k▲ 18.0%€45k▲ 74.8%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€527k▼ 0.2%
Current assets
€33k▲ 92.3%
Equity and liabilities €560k
Equity
€307k▲ 17.1%
Provisions
€37k=
Debt
€216k▼ 12.3%
The debt ratio falls from 45.1% to 38.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▼
2024 · €54k
Cash flow
€50k▲
2024 · €27k
Solvency
54.8%▲
2024 · 48.1%
Current ratio
0.28▲
2024 · 0.14
Quick ratio
0.28▲
2024 · 0.14
Debt / equity
0.70▼
2024 · 0.94
ROE
14.6%▲
2024 · 9.8%
ROA
8.0%▲
2024 · 4.7%
Interest coverage
28.75▼
2024 · 30.14
Debt
€216k▼
2024 · €246k
Debt ≤ 1 year
€116k▼
2024 · €118k
Debt > 1 year
€100k▼
2024 · €128k
Income taxes
€2k▼
2024 · €25k
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€545k€560k▲
Fixed assets21/28€528k€527k▼
Tangible fixed assets22/27€19k€18k▼
Furniture and vehicles24€19k€18k▼
Financial fixed assets28€509k€509k=
Current assets29/58€17k€33k▲
Amounts receivable within one year40/41€0€1k▲
Trade receivables40€0-
Other amounts receivable41-€1k
Cash at bank and in hand54/58€16k€28k▲
Deferred charges and accrued income490/1€920€3k▲
Equity and liabilities
Total equity and liabilities10/49€545k€560k▲
Equity10/15€262k€307k▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€235k€280k▲
Provisions and deferred taxes16€37k€37k=
Provisions for liabilities and charges160/5€37k€37k=
Pensions and similar obligations160€37k€37k=
Amounts payable17/49€246k€216k▼
Amounts payable after more than one year17€128k€100k▼
Financial debts170/4€15k€11k▼
Other amounts payable178/9€113k€89k▼
Amounts payable within one year42/48€118k€116k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43-€14k
Credit institutions430/8-€14k
Trade debts44€45k€41k▼
Suppliers440/4€45k€41k▼
Taxes, remuneration and social security45€23k€11k▼
Taxes450/3€23k€11k▼
Other amounts payable47/48€46k€46k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€609€886▲
Gross operating margin9900€54k€54k=
Operating profit (loss)9901€52k€49k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€51k€47k▼
Income taxes67/77€25k€2k▼
Profit (loss) for the period9904€26k€45k▲
Profit (loss) for the period to be appropriated9905€26k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€235k€280k▲
Profit (loss) brought forward from the previous period14P€209k€235k▲
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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2018net €45k ▲74.8%
Net result €45k, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 77 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Equity above €200kEq €204k ▲3.9%
4 profitable years in a row build equity to €204k.
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
2020
31-12
Financial
Weakest financial yearnet €2k ▼57.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Braine-l'Alleud
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 du Try 1621421 Braine-l'AlleudGround area
1,180 m²
Building footprint
164 m²
Volume, LiDAR
878 m³
Parcel 25078A0172/00F000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25078A0172/00F000 | Wallonia | 1,180 m² | 1 · 164 m² | 7.5 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,892 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-11-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.