JM Services
ActiveSummary
The computed 12-month bankruptcy probability of JM Services is 3.0% (moderate). The 2025 annual accounts show equity of €64k and a net result of €-14k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 46% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-22
Solvency68▲+4
Growth39▼-30
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.3 in 2024; short-term debt: 34.5% and cash: 16.3% of total assets), and 56.6% 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.
+raises risk○neutral
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
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 · 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
43.4%
Return on assets
-9.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-14k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
25 d late
2024
22 d early
2023
14 d early
2022
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€177k▼ 20.8%
2023 · €223k
2022: €158k
2023: €223k
2022 → 2024
EBIT margin
1.6%▼ 3.4pp
2023 · 5.0%
2022: 0.9%
2023: 5.0%
2022 → 2024
Net result
€-14k▼ 109,590%
2024 · €-13
2022: €-2k
2023: €5k
2024: €-13
2022 → 2025
Working capital
€-425
2024 · €16k
2022: €-8k
2023: €16k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€158k-€223k▲ 40.7%€177k▼ 20.8%
Equity€73k-€78k▲ 6.6%€78k=€64k▼ 18.2%
Operating result€1k-€11k▲ 651%€3k▼ 74.9%€-10k
Net result€-2k-€5k€-13€-14k▼ 109,590%
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 €10k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€97k ▼ 26.8%
Current assets
€50k ▼ 27.1%
Equity and liabilities €148k
Equity
€64k ▼ 18.2%
Debt
€84k ▼ 32.4%
Debt's share of the balance-sheet total falls from 61.3% to 56.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €43k
Cash flow
€31k▼
2024 · €40k
Current ratio
0.99▼
2024 · 1.30
Debt to equity
1.31▼
2024 · 1.58
ROE
-22.3%▼
2024 · 0.0%
ROA
-9.7%▼
2024 · 0.0%
Interest coverage
10.16▲
2024 · 9.89
Debt ≤ 1 year
€51k▼
2024 · €53k
Debt > 1 year
€33k▼
2024 · €71k
Income taxes
€412▼
2024 · €979
Staff costs
€0▼
2024 · €286
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€202k€148k▼
Fixed assets21/28€133k€97k▼
Intangible fixed assets21€558€317▼
Tangible fixed assets22/27€132k€97k▼
Furniture and vehicles24€132k€97k▼
Current assets29/58€69k€50k▼
Amounts receivable within one year40/41€13k€25k▲
Trade receivables40€13k€25k▲
Cash at bank and in hand54/58€53k€24k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€202k€148k▼
Equity10/15€78k€64k▼
Contributions10/11€75k€75k=
Capital10€75k-
Issued capital100€75k-
Profit (loss) carried forward14€3k€-11k▼
Amounts payable17/49€124k€84k▼
Amounts payable after more than one year17€71k€33k▼
Financial debts170/4€71k€33k▼
Amounts payable within one year42/48€53k€51k▼
Current portion of amounts payable after more than one year42€37k€38k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€7k€8k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Turnover70€177k-
Non-recurring operating income76A-€198
Goods, raw materials, services and sundry goods60/61€132k-
Remuneration, social security and pensions62€286€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€45k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€45k€42k▼
Operating profit (loss)9901€3k€-10k▼
Financial income75/76B€5k€0▼
Recurring financial income75€5k€0▼
Non-recurring financial income76B€5k€0▼
Financial charges65/66B€7k€3k▼
Recurring financial charges65€4k€3k▼
Non-recurring financial charges66B€2k€0▼
Profit (loss) for the period before taxes9903€966€-14k▼
Income taxes67/77€979€412▼
Profit (loss) for the period9904€-13€-14k▼
Profit (loss) for the period to be appropriated9905€-13€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-11k▼
Profit (loss) brought forward from the previous period14P€3k€3k▼
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Oupeye · 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.
Rue Thier d'Oupeye 934683 OupeyeGround area
528 m²
Building footprint
247 m²
Volume, LiDAR
1,148 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JM SERVICES
since 20222.330.517.644
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62109B0221/00V000 | Wallonia | 372 m² | 1 · 137 m² | 7.7 m · 2 fl. |
| 62109A0251/02B002 | Wallonia | 156 m² | 1 · 110 m² | 5.3 m · 1 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.
Similar companies · same sector, comparable size
PHILIPPE HOORNAERT
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HABSCH DACHDECKER & GERÜSTBAU
BE 0741.645.964
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TBM DAKWERKEN BOSMANS
BE 0451.385.144
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T. DAMOISEAU
BE 0680.611.386
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SANDER PEERE
BE 0832.098.563
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,757 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43421Specialised construction activities
95315Tyre services
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.