JRM Estate
ActiveJRM Estate has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €63k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▼-27
Growth52=
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 3.8 in 2024), but 86.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
13.4%
Return on assets
6.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
31 d early
2023
32 d early
2022
60 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k=
2024 · €138k
2022: €83k
2023: €109k
2024: €138k
2022 → 2025
Total assets
€1.04M▲ 122%
2024 · €466k
2022: €176k
2023: €324k
2024: €466k
2022 → 2025
Net result
€63k▲ 117%
2024 · €29k
2022: €80k
2023: €26k
2024: €29k
2022 → 2025
Working capital
€499k▲ 112%
2024 · €235k
2022: €63k
2023: €193k
2024: €235k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€83k-€109k▲ 31.9%€138k▲ 26.7%€138k=
Operating result€112k-€40k▼ 63.9%€50k▲ 25.4%€101k▲ 99.5%
Net result€80k-€26k▼ 67.1%€29k▲ 10.4%€63k▲ 117%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 100% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€224k▲ 52.5%
Current assets
€811k▲ 155%
Equity and liabilities €1.04M
Equity
€138k=
Debt
€897k▲ 174%
The debt ratio rises from 70.3% to 86.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€122k▲
2024 · €69k
Cash flow
€84k▲
2024 · €48k
Solvency
13.4%▼
2024 · 29.7%
Current ratio
2.59▼
2024 · 3.80
Quick ratio
0.45▼
2024 · 1.38
Debt / equity
6.48▲
2024 · 2.36
ROE
45.6%▲
2024 · 21.1%
ROA
6.1%▼
2024 · 6.3%
Interest coverage
6.94▼
2024 · 7.08
Debt
€897k▲
2024 · €327k
Debt ≤ 1 year
€313k▲
2024 · €84k
Debt > 1 year
€584k▲
2024 · €243k
Income taxes
€20k▲
2024 · €12k
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€466k€1.04M▲
Fixed assets21/28€147k€224k▲
Tangible fixed assets22/27€98k€77k▼
Furniture and vehicles24€98k€77k▼
Financial fixed assets28€49k€147k▲
Current assets29/58€319k€811k▲
Stocks and contracts in progress3€203k€670k▲
Stocks30/36€203k€670k▲
Amounts receivable within one year40/41€106k€99k▼
Trade receivables40€106k€99k▼
Other amounts receivable41€0€275▲
Cash at bank and in hand54/58€8k€42k▲
Deferred charges and accrued income490/1€889€33▼
Equity and liabilities
Total equity and liabilities10/49€466k€1.04M▲
Equity10/15€138k€138k=
Contributions10/11€3k€3k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€56k€56k=
Amounts payable17/49€327k€897k▲
Amounts payable after more than one year17€243k€584k▲
Financial debts170/4€243k€584k▲
Amounts payable within one year42/48€84k€313k▲
Current portion of amounts payable after more than one year42€30k€23k▼
Financial debts43-€63k
Other loans439-€63k
Trade debts44€31k€52k▲
Suppliers440/4€31k€52k▲
Taxes, remuneration and social security45€17k€13k▼
Taxes450/3€17k€13k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€5k€161k▲
Accrued charges and deferred income492/3€430€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€8k€5k▼
Gross operating margin9900€77k€127k▲
Operating profit (loss)9901€50k€101k▲
Financial income75/76B€30€5▼
Recurring financial income75€30€5▼
Financial charges65/66B€10k€18k▲
Recurring financial charges65€10k€18k▲
Profit (loss) for the period before taxes9903€41k€83k▲
Income taxes67/77€12k€20k▲
Profit (loss) for the period9904€29k€63k▲
Profit (loss) for the period to be appropriated9905€29k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€119k▲
Profit (loss) brought forward from the previous period14P€26k€56k▲
Profit to be distributed694/7-€63k
Return on contributions (dividend)694-€63k
The notes to these accounts (9 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €26k ▼67.1%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €109k ▲31.9%
2 profitable years in a row build equity to €109k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2022
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.
Adhemar Borinstraat 192070 Beveren-Kruibeke-ZwijndrechtGround area
214 m²
Building footprint
79 m²
Volume, LiDAR
502 m³
Parcel 11056B0809/00C004, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JRM Estate
since 20222.329.717.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0809/00C004 | Flanders | 214 m² | 1 · 79 m² | 11.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 600 EUR awarded · 600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 600 EUR | 600 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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IMMO TDF
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Of 3,753 companies in sector 68321 we hold annual accounts for 1,381. 1,000 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2022
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
68310Real estate agency activities
68311Real estate activities
68312Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.