JS Modern Solutions
ActiveSummary
JS Modern Solutions has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €36k. Equity is shrinking by ~12% per year across the filed fiscal years. Its solvency ranks better than 13% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency32▼-5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
6.8%
Return on assets
43.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 13%
← 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 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
13 d late
2022
31 d late
2021
18 d late
2020
27 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▲ 1.5%
2024 · €6k
2020: €9k
2021: €34k▲ +264% vs 2020
2022: €50k▲ +48.7% vs 2021highest in 6 years
2023: €5k▼ -89.4% vs 2022lowest in 6 years
2024: €6k▲ +4.1% vs 2023
2025: €6k▲ +1.5% vs 2024
2020 → 2025
Total assets
€82k▲ 81.4%
2024 · €45k
2020: €17klowest in 6 years
2021: €45k▲ +165% vs 2020
2022: €65k▲ +46.3% vs 2021
2023: €88k▲ +35.2% vs 2022highest in 6 years
2024: €45k▼ -48.6% vs 2023
2025: €82k▲ +81.4% vs 2024
2020 → 2025
Net result
€36k▲ 62.4%
2024 · €22k
2020: €4klowest in 6 years
2021: €24k▲ +476% vs 2020
2022: €16k▼ -32.8% vs 2021
2023: €18k▲ +13.0% vs 2022
2024: €22k▲ +20.4% vs 2023
2025: €36k▲ +62.4% vs 2024highest in 6 years
2020 → 2025
Working capital
€-24k▼ 425%
2024 · €-5k
2020: €9k
2021: €28k▲ +200% vs 2020
2022: €44k▲ +61.5% vs 2021highest in 6 years
2023: €68▼ -99.8% vs 2022
2024: €-5k▼ -6852% vs 2023
2025: €-24k▼ -425% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€50k▲ 48.7%€5k▼ 89.4%€6k▲ 4.1%€6k▲ 1.5%
2021: €34k
2022: €50k▲ +48.7% vs 2021highest in 5 years
2023: €5k▼ -89.4% vs 2022lowest in 5 years
2024: €6k▲ +4.1% vs 2023
2025: €6k▲ +1.5% vs 2024
Operating result€30k-€21k▼ 30.4%€24k▲ 12.6%€27k▲ 14.3%€47k▲ 73.8%
2021: €30k
2022: €21k▼ -30.4% vs 2021lowest in 5 years
2023: €24k▲ +12.6% vs 2022
2024: €27k▲ +14.3% vs 2023
2025: €47k▲ +73.8% vs 2024highest in 5 years
Net result€24k-€16k▼ 32.8%€18k▲ 13.0%€22k▲ 20.4%€36k▲ 62.4%
2021: €24k
2022: €16k▼ -32.8% vs 2021lowest in 5 years
2023: €18k▲ +13.0% vs 2022
2024: €22k▲ +20.4% vs 2023
2025: €36k▲ +62.4% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€53k ▲ 427%
Current assets
€29k ▼ 18.3%
Equity and liabilities €82k
Equity
€6k ▲ 1.5%
Debt
€77k ▲ 92.5%
Debt's share of the balance-sheet total rises from 87.8% to 93.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €28k
Cash flow
€43k▲
2024 · €23k
Current ratio
0.54▼
2024 · 0.88
Debt to equity
13.64▲
2024 · 7.19
ROE
643.3%▲
2024 · 402.1%
ROA
43.9%▼
2024 · 49.1%
Interest coverage
54.38▼
2024 · 115.09
Debt ≤ 1 year
€53k▲
2024 · €40k
Debt > 1 year
€24k
Income taxes
€10k▲
2024 · €6k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€45k€82k▲
Fixed assets21/28€10k€53k▲
Tangible fixed assets22/27€10k€53k▲
Plant, machinery and equipment23€372€263▼
Leasing and similar rights25-€42k
Other tangible fixed assets26€10k€11k▲
Financial fixed assets28€43€43=
Current assets29/58€35k€29k▼
Amounts receivable within one year40/41€21k€2k▼
Trade receivables40€10k€83▼
Other amounts receivable41€11k€2k▼
Cash at bank and in hand54/58€14k€25k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€45k€82k▲
Equity10/15€6k€6k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€525€609▲
Amounts payable17/49€40k€77k▲
Amounts payable after more than one year17-€24k
Financial debts170/4-€24k
Amounts payable within one year42/48€40k€53k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€6k€13k▲
Other amounts payable47/48€26k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€7k▲
Other operating charges640/8€4k€7k▲
Gross operating margin9900€32k€61k▲
Operating profit (loss)9901€27k€47k▲
Financial income75/76B€1k€1▼
Recurring financial income75€1k€1▼
Financial charges65/66B€245€996▲
Recurring financial charges65€245€996▲
Profit (loss) for the period before taxes9903€28k€46k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€22k€36k▲
Profit (loss) for the period to be appropriated9905€22k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€37k▲
Profit (loss) brought forward from the previous period14P€308€525▲
Profit to be distributed694/7€22k€36k▲
Return on contributions (dividend)694€22k€36k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €152 | €609 | €670 | €1k | €7k | ▲ 559% |
| Other operating charges640/8 | €3k | €3k | €3k | €4k | €7k | ▲ 68.5% |
| Gross operating margin9900 | €33k | €24k | €28k | €32k | €61k | ▲ 89.2% |
| Operating profit (loss)9901 | €30k | €21k | €24k | €27k | €47k | ▲ 73.8% |
| Financial income75/76B | €72 | €90 | €1k | €1k | €1 | ▼ 99.9% |
| Recurring financial income75 | €72 | €90 | €1k | €1k | €1 | ▼ 99.9% |
| Financial charges65/66B | €555 | €158 | €152 | €245 | €996 | ▲ 307% |
| Recurring financial charges65 | €555 | €158 | €152 | €245 | €996 | ▲ 307% |
| Profit (loss) for the period before taxes9903 | €30k | €21k | €25k | €28k | €46k | ▲ 62.8% |
| Income taxes67/77 | €5k | €5k | €6k | €6k | €10k | ▲ 64.2% |
| Profit (loss) for the period9904 | €24k | €16k | €18k | €22k | €36k | ▲ 62.4% |
| Profit (loss) for the period to be appropriated9905 | €24k | €16k | €18k | €22k | €36k | ▲ 62.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €45k | €65k | €88k | €45k | €82k | ▲ 81.4% |
| Fixed assets21/28 | €6k | €5k | €5k | €10k | €53k | ▲ 427% |
| Tangible fixed assets22/27 | €6k | €5k | €5k | €10k | €53k | ▲ 429% |
| Plant, machinery and equipment23 | - | - | €480 | €372 | €263 | ▼ 29.1% |
| Leasing and similar rights25 | - | - | - | - | €42k | - |
| Other tangible fixed assets26 | €6k | €5k | €5k | €10k | €11k | ▲ 10.9% |
| Financial fixed assets28 | €43 | €43 | €43 | €43 | €43 | = |
| Current assets29/58 | €39k | €60k | €83k | €35k | €29k | ▼ 18.3% |
| Amounts receivable after more than one year29 | €7k | €3k | - | - | - | - |
| Other amounts receivable291 | €7k | €3k | - | - | - | - |
| Amounts receivable within one year40/41 | €250 | - | €42k | €21k | €2k | ▼ 89.1% |
| Trade receivables40 | - | - | - | €10k | €83 | ▼ 99.2% |
| Other amounts receivable41 | €250 | - | €42k | €11k | €2k | ▼ 79.6% |
| Cash at bank and in hand54/58 | €31k | €57k | €41k | €14k | €25k | ▲ 78.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €1k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €45k | €65k | €88k | €45k | €82k | ▲ 81.4% |
| Equity10/15 | €34k | €50k | €5k | €6k | €6k | ▲ 1.5% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €25k | €44k | - | - | - | - |
| Distributable reserves133 | €25k | €44k | - | - | - | - |
| Profit (loss) carried forward14 | €4k | €853 | €308 | €525 | €609 | ▲ 15.9% |
| Amounts payable17/49 | €11k | €15k | €83k | €40k | €77k | ▲ 92.5% |
| Amounts payable after more than one year17 | - | - | - | - | €24k | - |
| Financial debts170/4 | - | - | - | - | €24k | - |
| Amounts payable within one year42/48 | €11k | €15k | €83k | €40k | €53k | ▲ 33.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €9k | - |
| Trade debts44 | €1k | €349 | €9k | €8k | €1k | ▼ 83.7% |
| Suppliers440/4 | €1k | €349 | €9k | €8k | €1k | ▼ 83.7% |
| Taxes, remuneration and social security45 | €10k | €15k | €11k | €6k | €13k | ▲ 105% |
| Taxes450/3 | €10k | €15k | €11k | €6k | €13k | ▲ 105% |
| Other amounts payable47/48 | €55 | €55 | €63k | €26k | €30k | ▲ 15.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €16k | €18k | €22k | €36k | ▲ 62.4% |
| + Depreciation and write-downs630 | €152 | €609 | €670 | €1k | €7k | ▲ 559% |
| Operating cash flow (approximation) | €24k | €17k | €19k | €23k | €43k | ▲ 85.1% |
| Investment in fixed assets (approximation) | - | €0 | €-541 | €-6k | €-50k | ▼ 743% |
| Change in cash | - | €26k | €-16k | €-26k | €11k | ▲ 143% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2020net €36k ▲62.4%
Operating result €47k, net result €36k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur · 1 establishment unit since 2020
Ground area
1,431 m²
Building footprint
123 m²
Volume, LiDAR
787 m³
Parcel 92025B0085/00S000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JS Modern Solutions
since 20202.302.891.054
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92025B0085/00S000 | Wallonia | 1,430 m² | 1 · 123 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 16,879 companies in sector 62100 we hold annual accounts for 8,771. 3,197 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63910Web portal activities
Contact
E-mail
bce@jsmodern.solutionsNamur
Scores and ratios are computed by Checked and are not a credit decision.