JRMA Belgium
ActiveSummary
JRMA Belgium has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €127k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+2
Solvency27▼-10
Growth72▼-13
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.74 in 2024; short-term debt: 84.1% and cash: 35% of total assets), and 98.1% 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 · 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
1.9%
Return on assets
11.2%
Age of the figures
9 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1046 sector peers (2025).
NBB · sector comparisonPosition among 1046 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
60 d late
2023
23 d early
2022
34 d early
2021
4 d late
2020
22 d early
2019
49 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€3.10M▲ 32.2%
2020 · €2.34M
2020: €2.34M
2020 → 2021
EBIT margin
0.4%▼ 2.2pp
2020 · 2.6%
2020: 2.6%
2020 → 2021
Net result
€127k▲ 8.2%
2024 · €117k
2018: €57k
2019: €85k
2020: €38k
2021: €-26k
2022: €95k
2023: €143k
2024: €117k
2018 → 2025
Working capital
€-257k▼ 10.3%
2024 · €-233k
2018: €5k
2019: €97k
2020: €93k
2021: €-106k
2022: €-156k
2023: €-224k
2024: €-233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.10M-
Equity€140k-€155k▲ 10.5%€132k▼ 14.7%€140k▲ 6.2%€21k▼ 85.0%
Operating result€12k-€154k▲ 1,197%€261k▲ 69.8%€211k▼ 19.4%€206k▼ 2.3%
Net result€-26k-€95k€143k▲ 51.1%€117k▼ 18.3%€127k▲ 8.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€437k ▼ 15.3%
Current assets
€697k ▲ 5.9%
Equity and liabilities €1.13M
Equity
€21k ▼ 85.0%
Debt
€1.11M ▲ 7.6%
Debt's share of the balance-sheet total rises from 88.1% to 98.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€322k▲
2024 · €320k
Cash flow
€243k▲
2024 · €226k
Current ratio
0.73▼
2024 · 0.74
Debt to equity
52.72▲
2024 · 7.37
ROE
599.6%▲
2024 · 83.4%
ROA
11.2%▲
2024 · 10.0%
Interest coverage
25.46▲
2024 · 17.78
Debt ≤ 1 year
€954k▲
2024 · €892k
Debt > 1 year
€144k▲
2024 · €141k
Income taxes
€66k▼
2024 · €77k
Staff costs
€4.20M▼
2024 · €4.58M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.17M€1.13M▼
Fixed assets21/28€516k€437k▼
Intangible fixed assets21€11k€6k▼
Tangible fixed assets22/27€501k€427k▼
Land and buildings22€235k€218k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€100k€78k▼
Other tangible fixed assets26€163k€125k▼
Financial fixed assets28€4k€4k=
Current assets29/58€658k€697k▲
Amounts receivable within one year40/41€358k€299k▼
Trade receivables40€257k€186k▼
Other amounts receivable41€101k€113k▲
Cash at bank and in hand54/58€286k€397k▲
Deferred charges and accrued income490/1€14k€855▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.13M▼
Equity10/15€140k€21k▼
Contributions10/11€12k€19k▲
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€126k€653▼
Amounts payable17/49€1.03M€1.11M▲
Amounts payable after more than one year17€141k€144k▲
Financial debts170/4€141k€144k▲
Amounts payable within one year42/48€892k€954k▲
Current portion of amounts payable after more than one year42€61k€43k▼
Trade debts44€61k€53k▼
Suppliers440/4€61k€53k▼
Taxes, remuneration and social security45€710k€606k▼
Taxes450/3€158k€98k▼
Remuneration and social security454/9€552k€508k▼
Other amounts payable47/48€59k€252k▲
Accrued charges and deferred income492/3€1k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4.58M€4.20M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109k€116k▲
Other operating charges640/8€20k€8k▼
Gross operating margin9900€4.92M€4.53M▼
Operating profit (loss)9901€211k€206k▼
Financial income75/76B€875€2k▲
Recurring financial income75€875€2k▲
Financial charges65/66B€18k€15k▼
Recurring financial charges65€18k€13k▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€194k€193k▼
Income taxes67/77€77k€66k▼
Profit (loss) for the period9904€117k€127k▲
Profit (loss) for the period to be appropriated9905€117k€127k▲
Appropriation of the result
Profit (loss) to be appropriated9906€226k€253k▲
Profit (loss) brought forward from the previous period14P€109k€126k▲
Transfer from equity791/2€15k-
Profit to be distributed694/7€115k€252k▲
Return on contributions (dividend)694€115k€252k▲
Social balance
Average headcount (FTE)9087131.5132.9▲
The notes to these accounts (14 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €143k ▲51.1%
Operating result €261k, net result €143k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €95k
Net result €95k after one loss-making year.
31-12
Financial
Equity above €150kEq €155k ▲10.5%
Equity rises from €140k to €155k.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 4 days late
2021
31-12
Financial
Weakest financial yearnet €-26k ▼168%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
31-12
Financial
Equity above €150kEq €158k ▲78.8%
2 profitable years in a row build equity to €158k.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2012
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.
Paul Dejaerlaan 91060 Sint-Gillis (bij-Brussel)Ground area
71 m²
Building footprint
71 m²
Volume, LiDAR
1,304 m³
Parcel 21013B0417/00B016, Brussels · tallest building 21.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Paul Dejaerlaan 9, 1060 Sint-Gillis (bij-Brussel)
since 20122.213.830.703
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0417/00B016 | Brussels | 71 m² | 1 · 71 m² | 21.4 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 3,380,534 EUR awarded · 3,373,112 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 885,151 EUR | 882,452 EUR |
| 2024 | 2 | 975,393 EUR | 974,863 EUR |
| 2023 | 2 | 835,209 EUR | 832,921 EUR |
| 2022 | 2 | 684,781 EUR | 682,876 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Recognitions · licences · registrations
Legal Entity Identifier
549300C7P94L0HPD4E67
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Of 810 companies in sector 96910 we hold annual accounts for 618. 379 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2012
Fiscal year end31-12
Activities, NACEBEL 2025
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.