JM DEMO CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of JM DEMO CONSTRUCT is 3.3% (moderate). The 2025 annual accounts show equity of €2k and a net result of €239. Its solvency ranks better than 35% of 27559 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability47
Solvency59
Growth-
Track record67
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
34%
Return on assets
3.6%
Age of the figures
9 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 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€2k
Total assets
€7k
Net result
€239
Working capital
€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €7k
Equity
€2k
Debt
€4k
Debt finances 66.0% of the balance-sheet total.
Key figures and ratios
Solvency
34.0%
Current ratio
1.51
Quick ratio
1.51
Debt / equity
1.94
ROE
10.7%
ROA
3.6%
Debt
€4k
Debt ≤ 1 year
€4k
Income taxes
€80
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€7k
Current assets29/58€7k
Amounts receivable within one year40/41€6k
Trade receivables40€4k
Other amounts receivable41€2k
Cash at bank and in hand54/58€753
Equity and liabilities
Total equity and liabilities10/49€7k
Equity10/15€2k
Contributions10/11€2k
Profit (loss) carried forward14€239
Amounts payable17/49€4k
Amounts payable within one year42/48€4k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€80
Taxes450/3€80
Other amounts payable47/48€1k
Income statement
Code2025
Other operating charges640/8€457
Gross operating margin9900€807
Operating profit (loss)9901€350
Financial charges65/66B€31
Recurring financial charges65€31
Profit (loss) for the period before taxes9903€319
Income taxes67/77€80
Profit (loss) for the period9904€239
Profit (loss) for the period to be appropriated9905€239
Appropriation of the result
Profit (loss) to be appropriated9906€239
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Jans-Molenbeek · 1 establishment unit since 2025
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.
Groeninghestraat 26-281080 Sint-Jans-MolenbeekGround area
235 m²
Building footprint
111 m²
Volume, LiDAR
481 m³
Parcel 21523B0778/00B002, Brussels · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JM DEMO CONSTRUCT
since 20252.373.127.962
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0778/00B002 | Brussels | 235 m² | 1 · 111 m² | 9.3 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
ISOLTIUF
BE 1002.181.333
Sint-Pieters-Leeuw · Eq €2k
ISO ROOF EUROPE
BE 0568.990.023
Zaventem · Eq €2k
NORD CHASSIS
BE 0738.883.147
Sint-Pieters-Leeuw · Eq €2k
OCODIMMOR Xpert
BE 0779.896.628
Jodoigne · Eq €2k
Isolatie Pur
BE 0786.965.750
Gent · Eq €3k
Of 4,267 companies in sector 43230 we hold annual accounts for 1,240. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2025
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43240Other construction installation
43341Painting of buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.