MJM
ActiveThe annual accounts of MJM for fiscal year 2025 show a net loss of 69% of total assets and of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-30k. Equity is shrinking by ~44.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 11% of 31697 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-97
Solvency28▼-34
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.94 against 1.4 in 2024; short-term debt: 81.9% and cash: 6.5% of total assets), and 97.2% 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 · 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 2025Solvency, return and age of the figures
Solvency
2.8%
Return on assets
-68.9%
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 11% of 31697 sector peers (2025).
NBB · sector comparisonPosition among 31697 sector peers
Solvency
better than 11%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
21 d early
2024
22 d late
2023
28 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 96.0%
2024 · €31k
2023: €12k
2024: €31k
2023 → 2025
Total assets
€44k▼ 48.7%
2024 · €86k
2023: €65k
2024: €86k
2023 → 2025
Net result
€-30k
2024 · €20k
2023: €-3k
2024: €20k
2023 → 2025
Working capital
€-2k
2024 · €22k
2023: €-248
2024: €22k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€31k▲ 169%€1k▼ 96.0%
Operating result€422-€29k▲ 6,746%€-24k
Net result€-3k-€20k€-30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €29k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€10k▲ 6.3%
Current assets
€34k▼ 55.6%
Equity and liabilities €44k
Equity
€1k▼ 96.0%
Debt
€43k▼ 21.5%
The debt ratio rises from 63.5% to 97.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2024 · €32k
Cash flow
€-25k▼
2024 · €23k
Solvency
2.8%▼
2024 · 36.5%
Current ratio
0.94▼
2024 · 1.40
Quick ratio
0.94▼
2024 · 1.40
Debt / equity
34.28▲
2024 · 1.74
ROA
-68.9%▼
2024 · 23.0%
Interest coverage
-3.39▼
2024 · 7.65
Debt
€43k▼
2024 · €54k
Debt ≤ 1 year
€36k▼
2024 · €54k
Income taxes
€288▼
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €44k, equity €1k).
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€86k€44k▼
Fixed assets21/28€10k€10k▲
Tangible fixed assets22/27€10k€10k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€76k€34k▼
Amounts receivable within one year40/41€39k€27k▼
Trade receivables40€38k€27k▼
Other amounts receivable41€531€296▼
Current investments50/53€14k-
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1€15k€4k▼
Equity and liabilities
Total equity and liabilities10/49€86k€44k▼
Equity10/15€31k€1k▼
Contributions10/11€1k€1k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€-15k€-45k▼
Amounts payable17/49€54k€43k▼
Amounts payable within one year42/48€54k€36k▼
Financial debts43€2k€1k▼
Credit institutions430/8€2k-
Other loans439-€1k
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€14k€6k▼
Taxes450/3€12k€3k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€34k€20k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€997€1k▲
Gross operating margin9900€33k€-18k▼
Operating profit (loss)9901€29k€-24k▼
Financial income75/76B€229€121▼
Recurring financial income75€229€121▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€25k€-30k▼
Income taxes67/77€5k€288▼
Profit (loss) for the period9904€20k€-30k▼
Profit (loss) for the period to be appropriated9905€20k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-45k▼
Profit (loss) brought forward from the previous period14P€-35k€-15k▲
The notes to these accounts (11 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-30k ▼254%
Net result drops to €-30k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 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, Antwerpen · 1 establishment unit since 2017
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.
Waalhofstraat 282100 AntwerpenGround area
146 m²
Building footprint
78 m²
Volume, LiDAR
635 m³
Parcel 11346B0515/00X004, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MJM
since 20172.268.137.340
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0515/00X004 | Flanders | 146 m² | 1 · 78 m² | 10.2 m · 3 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 5,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.