JVM
ActiveJVM has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €7k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-4
Solvency34▼-1
Growth24=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.48 in 2024; short-term debt: 43.7% and cash: 0.5% of total assets), and 91.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
8.6%
Return on assets
0.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 16%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €100k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
214 d early
2023
176 d early
2022
71 d early
2021
3 d early
2020
60 d early
2019
19 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€138k▼ 10.5%
2021 · €154k
2019: €178k
2020: €219k
2021: €154k
2019 → 2022
EBIT margin
20.9%▼ 3.9pp
2021 · 24.8%
2019: 17.8%
2020: 24.2%
2021: 24.8%
2019 → 2022
Net result
€7k▼ 47.3%
2024 · €14k
2019: €18k
2020: €38k
2021: €25k
2022: €17k
2023: €-68k
2024: €14k
2019 → 2025
Working capital
€-285k▼ 67.9%
2024 · €-169k
2019: €-58k
2020: €-51k
2021: €-133k
2022: €-201k
2023: €-306k
2024: €-169k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€154k-€138k▼ 10.5%
Equity€146k-€147k▲ 1.1%€79k▼ 46.4%€93k▲ 17.4%€100k▲ 7.8%
Operating result€38k-€29k▼ 24.6%€-49k€35k€23k▼ 35.1%
Net result€25k-€17k▼ 32.8%€-68k€14k€7k▼ 47.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.17M
Fixed assets
€942k▲ 28.9%
Current assets
€226k▲ 46.8%
Equity and liabilities €1.17M
Equity
€100k▲ 7.8%
Debt
€1.07M▲ 34.9%
The debt ratio rises from 89.5% to 91.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€111k▼
2024 · €124k
Cash flow
€96k▼
2024 · €103k
Solvency
8.6%▼
2024 · 10.5%
Current ratio
0.44▼
2024 · 0.48
Quick ratio
0.44▼
2024 · 0.48
Debt / equity
10.67▲
2024 · 8.53
ROE
7.2%▼
2024 · 14.8%
ROA
0.6%▼
2024 · 1.6%
Interest coverage
5.44▼
2024 · 5.80
Debt
€1.07M▲
2024 · €792k
Debt ≤ 1 year
€510k▲
2024 · €323k
Debt > 1 year
€557k▲
2024 · €465k
Income taxes
€724
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€885k€1.17M▲
Fixed assets21/28€731k€942k▲
Tangible fixed assets22/27€731k€642k▼
Land and buildings22€728k€640k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28-€300k
Current assets29/58€154k€226k▲
Amounts receivable within one year40/41€146k€205k▲
Trade receivables40-€10k
Other amounts receivable41€146k€195k▲
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€2k€16k▲
Equity and liabilities
Total equity and liabilities10/49€885k€1.17M▲
Equity10/15€93k€100k▲
Contributions10/11€20k€20k=
Reserves13€73k€80k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€71k€78k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€792k€1.07M▲
Amounts payable after more than one year17€465k€557k▲
Financial debts170/4€465k€557k▲
Amounts payable within one year42/48€323k€510k▲
Current portion of amounts payable after more than one year42€84k€101k▲
Financial debts43-€180k
Credit institutions430/8-€180k
Trade debts44€141€37▼
Suppliers440/4€141€37▼
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Other amounts payable47/48€239k€224k▼
Accrued charges and deferred income492/3€4k€770▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€89k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€131k€119k▼
Operating profit (loss)9901€35k€23k▼
Financial income75/76B€0€6k▲
Recurring financial income75€0€6k▲
Financial charges65/66B€21k€20k▼
Recurring financial charges65€21k€20k▼
Profit (loss) for the period before taxes9903€14k€8k▼
Income taxes67/77-€724
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€0€7k▲
Profit (loss) brought forward from the previous period14P€-14k-
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (8 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €100kEq €100k ▲7.8%
2 profitable years in a row build equity to €100k.
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-68k ▼512%
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €38k ▲115%
Operating result €53k, net result €38k, both a record.
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2018
02-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
13-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 102 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, Buggenhout · 1 establishment unit since 2011
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.
Bosstraat 669255 BuggenhoutGround area
1,558 m²
Building footprint
201 m²
Volume, LiDAR
1,216 m³
Parcel 42004B0010/00G000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JVM
since 20112.195.593.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004B0010/00G000 | Flanders | 1,558 m² | 1 · 201 m² | 9.8 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-01-2011
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.