JVMC
ActiveJVMC has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €58k. Equity is growing by ~70.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 3.81 in 2024), and 22.9% 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
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 →
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
77.1%
Return on assets
34.9%
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 06-04-2026, 116 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
116 d early
2024
14 d late
2023
on the day
← 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
€129k▲ 82.6%
2024 · €70k
2023: €30k
2024: €70k
2023 → 2025
Total assets
€167k▲ 77.3%
2024 · €94k
2023: €40k
2024: €94k
2023 → 2025
Net result
€58k▲ 43.7%
2024 · €41k
2023: €26k
2024: €41k
2023 → 2025
Working capital
€127k▲ 90.9%
2024 · €66k
2023: €24k
2024: €66k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€30k-€70k▲ 135%€129k▲ 82.6%
Operating result€36k-€54k▲ 51.4%€75k▲ 38.7%
Net result€26k-€41k▲ 56.1%€58k▲ 43.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 39% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€2k▼ 49.3%
Current assets
€165k▲ 83.2%
Equity and liabilities €167k
Equity
€129k▲ 82.6%
Debt
€38k▲ 61.5%
The debt ratio falls from 25.1% to 22.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€77k▲
2024 · €56k
Cash flow
€60k▲
2024 · €43k
Solvency
77.1%▲
2024 · 74.9%
Current ratio
4.32▲
2024 · 3.81
Quick ratio
4.32▲
2024 · 3.81
Debt / equity
0.30▼
2024 · 0.34
ROE
45.2%▼
2024 · 57.5%
ROA
34.9%▼
2024 · 43.1%
Interest coverage
62.51▲
2024 · 36.02
Debt
€38k▲
2024 · €24k
Debt ≤ 1 year
€38k▲
2024 · €24k
Income taxes
€16k▲
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€94k€167k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€1k€82▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€90k€165k▲
Amounts receivable within one year40/41€50k€94k▲
Trade receivables40€42k€46k▲
Other amounts receivable41€8k€48k▲
Current investments50/53€12k€36k▲
Cash at bank and in hand54/58€27k€33k▲
Deferred charges and accrued income490/1€748€1k▲
Equity and liabilities
Total equity and liabilities10/49€94k€167k▲
Equity10/15€70k€129k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€66k€125k▲
Amounts payable17/49€24k€38k▲
Amounts payable within one year42/48€24k€38k▲
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€17k€32k▲
Taxes450/3€17k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€141€554▲
Non-recurring operating charges66A€218€0▼
Gross operating margin9900€56k€77k▲
Operating profit (loss)9901€54k€75k▲
Financial income75/76B€252€1k▲
Recurring financial income75€252€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€53k€75k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€41k€58k▲
Profit (loss) for the period to be appropriated9905€41k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€125k▲
Profit (loss) brought forward from the previous period14P€26k€66k▲
The notes to these accounts (4 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
06-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €58k ▲43.7%
Operating result €75k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €129k ▲82.6%
3 profitable years in a row build equity to €129k.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Gent · 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.
Eendrachtstraat 179000 GentGround area
346 m²
Building footprint
186 m²
Volume, LiDAR
2,020 m³
2 parcels, Flanders · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
JVMC
since 20222.337.792.743
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44811L0015/00N013 | Flanders | 261 m² | 1 · 120 m² | 15.6 m · 4 fl. |
| 44805E0212/00L000 | Flanders | 86 m² | 1 · 66 m² | 16.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 to 2025 · 3 entries · 8,340 EUR awarded · 8,340 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,968 EUR | 4,968 EUR |
| 2024 | 1 | 2,622 EUR | 2,622 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.