SJMB
ActiveSJMB has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €525k and a net result of €133k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▲+11
Solvency92▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.08 in 2023; short-term debt: 19% and cash: 17.3% of total assets), and 33.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
66.8%
Return on assets
16.9%
Age of the figures
21 mo
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 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
15 d early
2022
29 d late
2021
23 d early
2020
44 d early
2019
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€525k▲ 25.2%
2023 · €419k
2018: €319k
2019: €371k
2020: €437k
2021: €493k
2022: €551k
2023: €419k
2018 → 2024
Total assets
€786k▲ 11.7%
2023 · €703k
2018: €792k
2019: €777k
2020: €760k
2021: €744k
2022: €741k
2023: €703k
2018 → 2024
Net result
€133k▲ 138%
2023 · €56k
2018: €28k
2019: €52k
2020: €66k
2021: €55k
2022: €59k
2023: €56k
2018 → 2024
Working capital
€60k▲ 681%
2023 · €8k
2018: €-130k
2019: €-93k
2020: €-64k
2021: €-21k
2022: €23k
2023: €8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€437k-€493k▲ 12.6%€551k▲ 11.9%€419k▼ 24.0%€525k▲ 25.2%
Operating result€107k-€90k▼ 16.0%€97k▲ 8.3%€96k▼ 1.5%€208k▲ 117%
Net result€66k-€55k▼ 17.0%€59k▲ 6.1%€56k▼ 4.4%€133k▲ 138%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 117% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €786k
Fixed assets
€576k▼ 3.0%
Current assets
€210k▲ 91.3%
Equity and liabilities €786k
Equity
€525k▲ 25.2%
Debt
€261k▼ 8.3%
The debt ratio falls from 40.4% to 33.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€225k▲
2023 · €118k
Cash flow
€151k▲
2023 · €78k
Solvency
66.8%▲
2023 · 59.6%
Current ratio
1.40▲
2023 · 1.08
Quick ratio
1.40▲
2023 · 1.08
Debt / equity
0.50▼
2023 · 0.68
ROE
25.4%▲
2023 · 13.4%
ROA
16.9%▲
2023 · 8.0%
Interest coverage
26.63▲
2023 · 13.00
Debt
€261k▼
2023 · €284k
Debt ≤ 1 year
€150k▲
2023 · €102k
Debt > 1 year
€110k▼
2023 · €181k
Income taxes
€66k▲
2023 · €31k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€703k€786k▲
Fixed assets21/28€594k€576k▼
Tangible fixed assets22/27€279k€261k▼
Land and buildings22€261k€248k▼
Plant, machinery and equipment23€13k€9k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€315k€315k=
Current assets29/58€110k€210k▲
Amounts receivable within one year40/41€21k€22k▲
Trade receivables40€21k€22k▲
Other amounts receivable41€407€427▲
Current investments50/53-€45k
Cash at bank and in hand54/58€82k€136k▲
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€703k€786k▲
Equity10/15€419k€525k▲
Contributions10/11€102k€102k=
Reserves13€317k€423k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€317k€423k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€284k€261k▼
Amounts payable after more than one year17€181k€110k▼
Financial debts170/4€181k€110k▼
Amounts payable within one year42/48€102k€150k▲
Current portion of amounts payable after more than one year42€69k€71k▲
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€7k€36k▲
Taxes450/3€7k€36k▲
Other amounts payable47/48€17k€35k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€18k▼
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A-€240
Gross operating margin9900€121k€229k▲
Operating profit (loss)9901€96k€208k▲
Financial income75/76B€1€145▲
Recurring financial income75€1€145▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€87k€199k▲
Income taxes67/77€31k€66k▲
Profit (loss) for the period9904€56k€133k▲
Profit (loss) for the period to be appropriated9905€56k€133k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€133k▲
Transfer from equity791/2€188k€27k▼
Transfer to equity691/2€56k€133k▲
To other reserves6921€56k€133k▲
Profit to be distributed694/7€188k€27k▼
Return on contributions (dividend)694€188k€27k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €133k ▲138%
Operating result €208k, net result €133k, both a record.
31-12
Financial
Equity above €500kEq €525k ▲25.2%
7 profitable years in a row build equity to €525k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €500kEq €551k ▲11.9%
5 profitable years in a row build equity to €551k.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Alken · 1 establishment unit since 2003
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.
Heiligenbornstraat 263570 AlkenGround area
2,096 m²
Building footprint
420 m²
Volume, LiDAR
1,681 m³
Parcel 73001K0365/00L000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SJMB
since 20032.134.347.220
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73001K0365/00L000 | Flanders | 2,096 m² | 1 · 420 m² | 7.4 m · 1 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.
Similar companies · same sector, comparable size
KINE VERBESSELT
BE 0442.148.665
Londerzeel · Eq €522k
CENTRE MEDICAL DU VAL
BE 0466.194.371
Sint-Pieters-Woluwe · Eq €521k
ROGER FIAMMETTI
BE 0888.274.134
Liège · Eq €512k
KINEPELT
BE 0823.246.819
Pelt · Eq €511k
JEAN DE WOLF
BE 0439.188.878
Zandhoven · Eq €539k
Of 12,690 companies in sector 86951 we hold annual accounts for 2,142. 1,018 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2003
Fiscal year end31-12
Activities, NACEBEL
74151
86905Human health activities
86951Physiotherapy
01430Raising of horses and other equines
01480Raising of other animals
01490Crop and animal production, hunting and related service activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.