Turnover
≈ €270,000 estimated
The abbreviated format states no turnover.
JPMA
Lifetime
2 annual accounts with figures on one time axispeak €167,660 (2025)
€167,660▲ €171,848
lowest -€6,371 (2024)
€7,101▲ €13,472
peak €20,731 (2025)
€20,731▲ 52.1%
€275,085▼ 3.6%
Board2 names since 2024
2 directorsBUREAU BEAM and 1 other
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
Gross margin from -€4,188 to €167,660Back to profit: €7,101Equity from €13,629 to €20,731Cash from €12,245 to €2,862
Key points
from the 2025 annual accountsDebts
€275,085 93% of the balance sheet
Financial debts 25%Suppliers 8%Taxes and wages 14%Other 53%
Of this, €202,432 falls due within a year.
Position in the sector
7.0%
Lower solvency than 86% of companies in head offices and management consultancy. Sector median 52.4% · 10,858 companies.
2025 accounts filed 61 days after the deadline
Checked score
68
Healthy
Financially stronger than 31% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 0.4%lowest value
08-2025: 0.4%● unchanged vs 07-2025lowest value
09-2025: 0.4%● unchanged vs 08-2025
10-2026: 0.7%highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 61 days late; 2 of the last 3 accounts late
Liquidity: current ratio 0.90, cash €2,862, halved
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €295,815
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 15% of them on solvency, 6% on liquidity, 21% on profitability and 81% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,135 companies had the same profile as JPMA has now. Each dot stands for 6 companies, two years later.
92.0%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JPMA itself is lower: 0.7% within 12 months. It rests on far more data about JPMA than the profile alone.
Test of the method
The method was tested on the 497,447 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 2,135 companies, not a prediction for JPMA. 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.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.9 (0.59 in 2024), below 1. Short-term debt is 68.4% and cash 1% of total assets. 93% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 10858 sector peers (2025).
NBB · sector comparisonPosition among 10858 sector peers
Solvency
better than 13%
← weakest
strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
61 days late
2024
56 days late
← 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 59 days after 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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- PIGNON Julien 50 sharesdeed of 28-06-2024
- MEUNIER Armand 50 sharesdeed of 28-06-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010803940
First establishment
Rue des Fusillés 5, Ottignies-Louvain-la-Neuve
Incorporation
Founding capital of €20,000, 100 shares, €5,000 paid up · Founders: PIGNON Julien and MEUNIER Armand · Appointments: MA RESSOURCE SANTE (director) and BUREAU BEAM (director) · published on 28-06-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JPMA Ottignies-Louvain-la-Neuve | €295,815 | €167,660 | 7.0% | - |
| LIEOS La Hulpe | €328,268 | €178,216 | 72.3% | - |
| TGFM Braine-l'Alleud | €254,403 | €174,209 | 74.1% | - |
| QUENICLAU Rixensart | €342,962 | €172,826 | 87.2% | - |
| Excellynx Nivelles | €285,036 | €155,581 | 37.8% | - |
| BLORON GROUP Mont-Saint-Guibert | €282,868 | €139,202 | 50.5% | - |
| Art of Lara Orp-Jauche | €260,583 | €166,243 | 86.8% | - |
These companies have the same main activity as JPMA: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €254,000 and €343,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 26-06-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 4 others
- Establishment unit
- 2.366.389.7291340 Ottignies-Louvain-la-Neuve, since 01-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Insights on JPMA
JPMA has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,731 and a net result of €7,101.
Its solvency ranks better than 13% of 10,858 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JPMA
- What is the company number of JPMA?
- The company number of JPMA is 1010.803.940. The VAT number is the same number with BE in front: BE 1010.803.940.
- Where is JPMA based?
- The registered office is at Rue des Fusillés 5, 1340 Ottignies-Louvain-la-Neuve.Company details
- What does JPMA do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of JPMA?
- JPMA is a private limited company (BV).
- When was JPMA founded?
- JPMA was founded on 26-06-2024.
- Is JPMA still active?
- Yes, JPMA is an active enterprise in the KBO register.
- How many employees does JPMA have?
- JPMA had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of JPMA?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €167,660 and 93 comparable companies (NACE 70200). It probably lies between €220,000 and €350,000.
- Is JPMA profitable?
- In financial year 2025, JPMA made a profit of €7,101.
- Where can I find the annual accounts of JPMA?
- JPMA filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JPMA due?
- JPMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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