JPMT
ActiveJPMT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €-3k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2678 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-15
Solvency100=
Growth44=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.72 in 2024; short-term debt: 16.4% and cash: 12.9% of total assets), and 19.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 9 filingsDeviation from the deadline
2025
11 d late
2024
19 d late
2023
30 d late
2022
30 d late
2021
16 d late
2020
18 d late
2019
39 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€61k▼ 1.5%
2018 · €62k
2018: €62k
2018 → 2019
EBIT margin
33.3%▼ 8.0pp
2018 · 41.3%
2018: 41.3%
2018 → 2019
Net result
€-3k
2024 · €18k
2018: €19k
2019: €14k
2020: €22k
2021: €2k
2022: €8k
2023: €55k
2024: €18k
2018 → 2025
Working capital
€-5k▲ 56.9%
2024 · €-11k
2018: €-395
2019: €-11k
2020: €10k
2021: €11k
2022: €17k
2023: €-14k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€74k▲ 12.2%€129k▲ 73.9%€147k▲ 13.9%€144k▼ 2.3%
Operating result€5k-€15k▲ 202%€60k▲ 315%€27k▼ 54.4%€-641
Net result€2k-€8k▲ 313%€55k▲ 582%€18k▼ 67.4%€-3k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €641 after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€153k▼ 2.7%
Current assets
€24k▼ 8.9%
Equity and liabilities €178k
Equity
€144k▼ 2.3%
Debt
€34k▼ 8.7%
The debt ratio falls from 20.4% to 19.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €37k
Cash flow
€9k▼
2024 · €27k
Solvency
80.7%▲
2024 · 79.6%
Current ratio
0.84▲
2024 · 0.72
Quick ratio
0.84▲
2024 · 0.72
Debt / equity
0.24▼
2024 · 0.26
ROE
-2.4%▼
2024 · 12.2%
ROA
-1.9%▼
2024 · 9.7%
Interest coverage
14.36▼
2024 · 76.68
Debt
€34k▼
2024 · €38k
Debt ≤ 1 year
€29k▼
2024 · €38k
Debt > 1 year
€5k
Income taxes
€2k▼
2024 · €9k
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€185k€178k▼
Fixed assets21/28€158k€153k▼
Tangible fixed assets22/27€158k€153k▼
Land and buildings22€136k€133k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€19k€20k▲
Current assets29/58€27k€24k▼
Amounts receivable within one year40/41€11k€196▼
Trade receivables40€183-
Other amounts receivable41€11k€196▼
Current investments50/53€2k€1k▼
Cash at bank and in hand54/58€13k€23k▲
Equity and liabilities
Total equity and liabilities10/49€185k€178k▼
Equity10/15€147k€144k▼
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€52k€50k▼
Tax-exempt reserves132€52k€50k▼
Profit (loss) carried forward14€75k€73k▼
Amounts payable17/49€38k€34k▼
Amounts payable after more than one year17-€5k
Financial debts170/4-€5k
Amounts payable within one year42/48€38k€29k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€15k€10k▼
Other amounts payable47/48€20k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€563€8k▲
Non-recurring operating charges66A€45€5k▲
Gross operating margin9900€37k€25k▼
Operating profit (loss)9901€27k€-641▼
Financial charges65/66B€480€846▲
Recurring financial charges65€480€846▲
Profit (loss) for the period before taxes9903€27k€-1k▼
Income taxes67/77€9k€2k▼
Profit (loss) for the period9904€18k€-3k▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€20k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€73k▼
Profit (loss) brought forward from the previous period14P€55k€75k▲
The notes to these accounts (7 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €-3k ▼119%
Net result drops to €-3k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €55k ▲582%
Operating result €60k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €129k ▲73.9%
6 profitable years in a row build equity to €129k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
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, Mouscron · 1 establishment unit since 2017
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.
Cardinal Mercierstraat(D) 517711 MouscronGround area
443 m²
Building footprint
97 m²
Volume, LiDAR
790 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JPMT
since 20172.263.594.077
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003R1102/00_000 | Wallonia | 282 m² | 1 · 41 m² | 10.3 m · 3 fl. |
| 54004H0768/00_000 | Wallonia | 161 m² | 1 · 56 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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GM CONCEPT
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 15,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:belgagest@free.fr
Phone:06/82 28 95 87