JM Eco Solutions
ActiveJM Eco Solutions has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226k and a net result of €56k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+47
Solvency100▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.2 in 2024), and 16.7% 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○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
83.3%
Return on assets
20.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
23 d early
2022
26 d early
2021
9 d late
2020
27 d late
2019
20 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€226k▲ 12.2%
2024 · €202k
2018: €150k
2019: €181k
2020: €202k
2021: €188k
2022: €176k
2023: €197k
2024: €202k
2018 → 2025
Total assets
€272k▲ 14.9%
2024 · €237k
2018: €292k
2019: €215k
2020: €277k
2021: €255k
2022: €240k
2023: €260k
2024: €237k
2018 → 2025
Net result
€56k▲ 162%
2024 · €21k
2018: €17k
2019: €31k
2020: €40k
2021: €36k
2022: €27k
2023: €36k
2024: €21k
2018 → 2025
Working capital
€60k▲ 776%
2024 · €7k
2018: €131k
2019: €23k
2020: €-33k
2021: €27k
2022: €-3k
2023: €-15k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€176k▼ 6.7%€197k▲ 12.2%€202k▲ 2.3%€226k▲ 12.2%
Operating result€40k-€30k▼ 23.0%€38k▲ 26.4%€18k▼ 52.7%€33k▲ 84.1%
Net result€36k-€27k▼ 24.8%€36k▲ 34.0%€21k▼ 40.9%€56k▲ 162%
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 2025; 2025 is 84% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€167k▼ 14.5%
Current assets
€105k▲ 153%
Equity and liabilities €272k
Equity
€226k▲ 12.2%
Debt
€46k▲ 30.2%
The debt ratio rises from 14.8% to 16.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€60k▲
2024 · €57k
Cash flow
€83k▲
2024 · €60k
Solvency
83.3%▼
2024 · 85.2%
Current ratio
2.33▲
2024 · 1.20
Quick ratio
2.33▲
2024 · 1.20
Debt / equity
0.20▲
2024 · 0.17
ROE
24.6%▲
2024 · 10.6%
ROA
20.5%▲
2024 · 9.0%
Interest coverage
118.51▲
2024 · 39.83
Debt
€46k▲
2024 · €35k
Debt ≤ 1 year
€45k▲
2024 · €35k
Income taxes
€33k▲
2024 · €16k
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€237k€272k▲
Fixed assets21/28€195k€167k▼
Tangible fixed assets22/27€78k€55k▼
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€66k€47k▼
Other tangible fixed assets26€10k€4k▼
Financial fixed assets28€117k€111k▼
Current assets29/58€41k€105k▲
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€4k€4k▼
Other amounts receivable41€2k€2▼
Current investments50/53€160€160▲
Cash at bank and in hand54/58€31k€97k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€237k€272k▲
Equity10/15€202k€226k▲
Contributions10/11€6k€6k=
Reserves13€195k€220k▲
Distributable reserves133€195k€220k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€35k€46k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€35k€45k▲
Current portion of amounts payable after more than one year42€13k€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Other amounts payable47/48€5k€22k▲
Accrued charges and deferred income492/3€351€417▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€27k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€59k€62k▲
Operating profit (loss)9901€18k€33k▲
Financial income75/76B€21k€55k▲
Recurring financial income75€21k€42k▲
Non-recurring financial income76B-€13k
Financial charges65/66B€1k€510▼
Recurring financial charges65€1k€510▼
Profit (loss) for the period before taxes9903€38k€88k▲
Income taxes67/77€16k€33k▲
Profit (loss) for the period9904€21k€56k▲
Profit (loss) for the period to be appropriated9905€21k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€56k▲
Transfer from equity791/2€17k€31k▲
Transfer to equity691/2€21k€56k▲
To other reserves6921€21k€56k▲
Profit to be distributed694/7€17k€31k▲
Return on contributions (dividend)694€17k€31k▲
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
29-07
State Gazette act
General meeting · Director reappointment
Mandate compensation · Auditor appointment
2025
31-12
Financial
Highest result since 2018net €56k ▲162%
Net result €56k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €200kEq €202k ▲2.3%
7 profitable years in a row build equity to €202k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 2.07
Current ratio from 0.51 to 2.07; short-term debt falls from €68k to €25k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €200kEq €202k ▲11.4%
3 profitable years in a row build equity to €202k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
BOL Kristof
CurrentDirector · since 02-01-2024
02-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Zottegem · 1 establishment unit since 2006
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.
Langendries 179620 ZottegemGround area
1,589 m²
Building footprint
175 m²
Volume, LiDAR
978 m³
Parcel 41061A1027/00C000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Langendries 17, 9620 Zottegem
since 20062.155.324.063
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41061A1027/00C000 | Flanders | 1,589 m² | 1 · 175 m² | 8.3 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.
Structure & network
Ownership & control
1 partyJM Eco SolutionsBE 0881.434.050
controls
Where this company holds controlthis company sits on their board1
6 locations
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 693 EUR awarded · 678 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 216 EUR | 396 EUR |
| 2024 | 1 | 312 EUR | 117 EUR |
| 2023 | 1 | 165 EUR | 165 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. 39,202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.