JVM-Solutions
ActiveSummary
JVM-Solutions has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €18,622 and a net result of €42,175. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 2278 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency40▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.72 in 2023; short-term debt: 84.7% and cash: 13.4% of total assets), and 84.7% of the assets are financed with debt.
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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 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.3%
Return on assets
34.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2278 sector peers (2024).
NBB · sector comparisonPosition among 2278 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
40 d early
2022
39 d early
2021
30 d early
2020
29 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#5 oldest company in Aarschot, Telecoms and IT sector
Equity
€18,622=
2023 · €18,622
Total assets
€121,403▲ 6.3%
2023 · €114,250
Net result
€42,175▲ 24.5%
2023 · €33,872
Working capital
-€23,246▲ 3.3%
2023 · -€24,032
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€84,223▲ 272%€35,993▼ 57.3%€100,357▲ 179%€47,006▼ 53.2%€56,262▲ 19.7%
Net result€65,682above the sector's middle half▲ 263%€24,876within the sector's middle half▼ 62.1%€70,037above the sector's middle half▲ 182%€33,872within the sector's middle half▼ 51.6%€42,175within the sector's middle half▲ 24.5%
Equity€18,629below the sector's middle half€18,625within the sector's middle half=€18,622within the sector's middle half=€18,622within the sector's middle half=€18,622within the sector's middle half=
Total assets€164,744within the sector's middle half▲ 87.4%€170,671within the sector's middle half▲ 3.6%€167,740within the sector's middle half▼ 1.7%€114,250within the sector's middle half▼ 31.9%€121,403within the sector's middle half▲ 6.3%
Debt€146,115▲ 58.7%€152,045▲ 4.1%€149,118▼ 1.9%€95,628▼ 35.9%€102,781▲ 7.5%
Working capital-€35,443below the sector's middle half▼ 82.9%-€32,134below the sector's middle half▲ 9.3%-€23,389below the sector's middle half▲ 27.2%-€24,032below the sector's middle half▼ 2.7%-€23,246below the sector's middle half▲ 3.3%
Solvency11.3%below the sector's middle half▲ 16.0pp10.9%below the sector's middle half▼ 0.4pp11.1%below the sector's middle half▲ 0.2pp16.3%below the sector's middle half▲ 5.2pp15.3%below the sector's middle half▼ 1.0pp
Current ratio0.62below the sector's middle half▼ 0.120.72below the sector's middle half▲ 0.100.82below the sector's middle half▲ 0.100.72below the sector's middle half▼ 0.100.77below the sector's middle half▲ 0.05
Return on assets (ROA)39.9%above the sector's middle half▲ 19.3pp14.6%within the sector's middle half▼ 25.3pp41.8%above the sector's middle half▲ 27.2pp29.6%above the sector's middle half▼ 12.1pp34.7%above the sector's middle half▲ 5.1pp
above
within
below
the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 20% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €121,403
Fixed assets
€41,868 ▼ 20.6%
Current assets
€79,535 ▲ 29.4%
Equity and liabilities €121,403
Equity
€18,622 =
Debt
€102,781 ▲ 7.5%
Debt's share of the balance-sheet total rises from 83.7% to 84.7%. Debt is higher.
Key figures and ratios
EBITDA
€80,701▲
2023 · €74,889
Cash flow
€66,615▲
2023 · €61,755
Quick ratio
0.67▲
2023 · 0.60
Debt to equity
5.52▲
2023 · 5.14
ROE
226.5%▲
2023 · 181.9%
Interest coverage
38.00▲
2023 · 30.47
Debt ≤ 1 year
€102,781▲
2023 · €85,519
Income taxes
€12,093▲
2023 · €10,677
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,815 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,371 | €26,965 | €27,959 | €27,883 | €24,439 | ▼ 12.4% |
| Other operating charges640/8 | - | €421 | €348 | €384 | €387 | ▲ 0.8% |
| Gross operating margin9900 | €97,092 | €63,380 | €128,663 | €75,274 | €81,088 | ▲ 7.7% |
| Operating profit (loss)9901 | €84,223 | €35,993 | €100,357 | €47,006 | €56,262 | ▲ 19.7% |
| Financial income75/76B | - | - | €0 | €1 | €130 | ▲ 23,573% |
| Recurring financial income75 | €6 | - | €0 | €1 | €130 | ▲ 23,573% |
| Financial charges65/66B | - | €3,411 | €3,248 | €2,458 | €2,124 | ▼ 13.6% |
| Recurring financial charges65 | €2,655 | €3,411 | €3,248 | €2,458 | €2,124 | ▼ 13.6% |
| Profit (loss) for the period before taxes9903 | €81,575 | €32,583 | €97,110 | €44,549 | €54,268 | ▲ 21.8% |
| Income taxes67/77 | €15,892 | €7,707 | €27,072 | €10,677 | €12,093 | ▲ 13.3% |
| Profit (loss) for the period9904 | €65,682 | €24,876 | €70,037 | €33,872 | €42,175 | ▲ 24.5% |
| Profit (loss) for the period to be appropriated9905 | €65,682 | €24,876 | €70,037 | €33,872 | €42,175 | ▲ 24.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €164,744 | €170,671 | €167,740 | €114,250 | €121,403 | ▲ 6.3% |
| Fixed assets21/28 | €107,989 | €89,182 | €64,457 | €52,763 | €41,868 | ▼ 20.6% |
| Tangible fixed assets22/27 | €107,989 | €89,182 | €64,457 | €52,763 | €41,868 | ▼ 20.6% |
| Plant, machinery and equipment23 | - | €25,932 | €17,249 | €22,513 | €24,598 | ▲ 9.3% |
| Furniture and vehicles24 | - | €11,554 | €9,606 | €6,524 | €4,471 | ▼ 31.5% |
| Leasing and similar rights25 | - | €51,558 | €35,465 | €19,372 | €8,925 | ▼ 53.9% |
| Other tangible fixed assets26 | - | €138 | €2,136 | €4,354 | €3,874 | ▼ 11.0% |
| Current assets29/58 | €56,756 | €81,489 | €103,283 | €61,487 | €79,535 | ▲ 29.4% |
| Stocks and contracts in progress3 | €7,751 | €15,962 | €21,223 | €9,784 | €11,106 | ▲ 13.5% |
| Stocks30/36 | - | €15,962 | €16,196 | €9,784 | €11,106 | ▲ 13.5% |
| Contracts in progress37 | - | - | €5,027 | - | - | - |
| Amounts receivable within one year40/41 | €20,993 | €50,613 | €39,841 | €35,768 | €51,483 | ▲ 43.9% |
| Trade receivables40 | - | €21,931 | €39,841 | €35,768 | €51,273 | ▲ 43.3% |
| Other amounts receivable41 | - | €28,682 | - | - | €211 | - |
| Cash at bank and in hand54/58 | €26,439 | €13,445 | €25,746 | €7,893 | €16,209 | ▲ 105% |
| Deferred charges and accrued income490/1 | - | €1,468 | €16,474 | €8,042 | €737 | ▼ 90.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €164,744 | €170,671 | €167,740 | €114,250 | €121,403 | ▲ 6.3% |
| Equity10/15 | €18,629 | €18,625 | €18,622 | €18,622 | €18,622 | = |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €30 | €30 | €30 | €30 | €30 | = |
| Non-distributable reserves130/1 | - | €30 | - | - | - | - |
| Reserves not available under the articles1311 | - | €30 | - | - | - | - |
| Distributable reserves133 | - | - | €30 | €30 | €30 | = |
| Profit (loss) carried forward14 | €7 | €3 | - | - | - | - |
| Amounts payable17/49 | €146,115 | €152,045 | €149,118 | €95,628 | €102,781 | ▲ 7.5% |
| Amounts payable after more than one year17 | €53,917 | €38,423 | €22,445 | €10,109 | - | - |
| Financial debts170/4 | - | €38,423 | €22,445 | €10,109 | - | - |
| Amounts payable within one year42/48 | €92,198 | €113,623 | €126,673 | €85,519 | €102,781 | ▲ 20.2% |
| Current portion of amounts payable after more than one year42 | - | €15,494 | €15,978 | €12,336 | €10,109 | ▼ 18.1% |
| Financial debts43 | - | €224 | - | - | €7,841 | - |
| Credit institutions430/8 | - | €224 | - | - | €7,841 | - |
| Trade debts44 | €1,537 | €1,172 | €17,095 | €597 | €2,686 | ▲ 350% |
| Suppliers440/4 | - | €1,172 | €17,095 | €597 | €2,686 | ▲ 350% |
| Taxes, remuneration and social security45 | - | €23,002 | €25,828 | €23,439 | €28,244 | ▲ 20.5% |
| Taxes450/3 | - | €23,002 | €25,828 | €23,439 | €28,244 | ▲ 20.5% |
| Other amounts payable47/48 | - | €73,731 | €67,772 | €49,146 | €53,902 | ▲ 9.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €65,682 | €24,876 | €70,037 | €33,872 | €42,175 | ▲ 24.5% |
| + Depreciation and write-downs630 | €12,371 | €26,965 | €27,959 | €27,883 | €24,439 | ▼ 12.4% |
| Operating cash flow (approximation) | €78,053 | €51,841 | €97,996 | €61,755 | €66,615 | ▲ 7.9% |
| Investment in fixed assets (approximation) | - | -€8,158 | -€3,233 | -€16,190 | -€13,544 | ▲ 16.3% |
| Change in cash | - | -€12,993 | €12,300 | -€17,852 | €8,315 | ▲ 147% |
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
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €70,037 ▲182%
Operating result €100,357, net result €70,037, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €18,093 ▼42.3%
Net result drops to €18,093, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Aarschot · 1 establishment unit since 1995
Ground area
1,444 m²
Building footprint
148 m²
Volume, LiDAR
703 m³
Parcel 24092D0178/00A000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JVM-SOLUTIONS BVBA
since 19952.071.002.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092D0178/00A000 | Flanders | 1,444 m² | 1 · 148 m² | 6.6 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 2,727 companies in sector 63100 we hold annual accounts for 1,274. 731 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
Founded15-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
63100Computing infrastructure, data processing, hosting and related activities
46500Wholesale of information and communication equipment
62100Computer programming
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454751440
Also
9925:BE0454751440
Registered
05-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.