JMD Consultance et Gestion
ActiveSummary
JMD Consultance et Gestion has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309k and a net result of €46k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.36 against 2.15 in 2024; short-term debt: 7.2% and cash: 7.5% of total assets), and 7.3% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
92.7%
Return on assets
13.9%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
31 d early
2023
22 d early
2022
13 d early
2021
33 d early
2020
36 d early
2019
35 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€46k▲ 23.5%
2024 · €37k
2018: €17k
2019: €64k
2020: €29k
2021: €17k
2022: €29k
2023: €17k
2024: €37k
2018 → 2025
Working capital
€153k▲ 50.0%
2024 · €102k
2018: €107k
2019: €162k
2020: €154k
2021: €176k
2022: €167k
2023: €122k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€331k▲ 9.6%€288k▼ 13.1%€263k▼ 8.8%€309k▲ 17.6%
Operating result€26k-€44k▲ 70.2%€24k▼ 44.9%€54k▲ 126%€65k▲ 19.2%
Net result€17k-€29k▲ 69.9%€17k▼ 42.8%€37k▲ 125%€46k▲ 23.5%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€156k ▼ 3.7%
Current assets
€178k ▼ 7.0%
Equity and liabilities €333k
Equity
€309k ▲ 17.6%
Debt
€24k ▼ 73.0%
Debt's share of the balance-sheet total falls from 25.5% to 7.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €68k
Cash flow
€55k▲
2024 · €51k
Current ratio
7.36▲
2024 · 2.15
Debt to equity
0.08▼
2024 · 0.34
ROE
15.0%▲
2024 · 14.3%
ROA
13.9%▲
2024 · 10.6%
Interest coverage
116.87▲
2024 · 63.38
Debt ≤ 1 year
€24k▼
2024 · €89k
Income taxes
€19k▲
2024 · €17k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€353k€333k▼
Fixed assets21/28€162k€156k▼
Tangible fixed assets22/27€161k€155k▼
Land and buildings22€134k€126k▼
Furniture and vehicles24€27k€29k▲
Financial fixed assets28€922€922=
Current assets29/58€191k€178k▼
Amounts receivable within one year40/41€29k€36k▲
Trade receivables40€24k€36k▲
Other amounts receivable41€5k€304▼
Current investments50/53€123k€113k▼
Cash at bank and in hand54/58€34k€25k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€353k€333k▼
Equity10/15€263k€309k▲
Contributions10/11€32k€32k=
Reserves13€104k€150k▲
Tax-exempt reserves132€35k€35k=
Distributable reserves133€69k€115k▲
Profit (loss) carried forward14€127k€127k▲
Amounts payable17/49€90k€24k▼
Amounts payable within one year42/48€89k€24k▼
Current portion of amounts payable after more than one year42€7k-
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€63k€1k▼
Accrued charges and deferred income492/3€1k€123▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€8k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€70k€76k▲
Operating profit (loss)9901€54k€65k▲
Financial income75/76B€712€778▲
Recurring financial income75€712€778▲
Financial charges65/66B€1k€627▼
Recurring financial charges65€1k€627▼
Profit (loss) for the period before taxes9903€54k€65k▲
Income taxes67/77€17k€19k▲
Profit (loss) for the period9904€37k€46k▲
Profit (loss) for the period to be appropriated9905€37k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€164k€173k▲
Profit (loss) brought forward from the previous period14P€127k€127k▲
Transfer from equity791/2€63k-
Transfer to equity691/2€37k€46k▲
To other reserves6921€37k€46k▲
Profit to be distributed694/7€63k-
Return on contributions (dividend)694€63k-
The notes to these accounts (10 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
07-07
State Gazette act
Incorporation · Demerger
Power of attorney · Accounting effect
2025
31-12
Financial
Liquidity triplescurrent ratio 7.36
Current ratio from 2.15 to 7.36; short-term debt falls from €89k to €24k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €17k ▼42.8%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €64k ▲266%
Operating result €92k, net result €64k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jemeppe-sur-Sambre · 2 establishment units since 1995
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 des Trois-Maisons,St-Martin 355190 Jemeppe-sur-SambreGround area
4,226 m²
Building footprint
853 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
JMD CONSULTANCE ET GESTION
since 19952.070.204.880
JMD CONSULTANCE ET GESTION
since 20112.255.339.179
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92107A0020/00Y004 | Wallonia | 2,566 m² | 1 · 207 m² | - |
| 92053A0292/00T000 | Wallonia | 1,660 m² | 1 · 646 m² | - |
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.
Structure & network
Acquisitions and mergers
1 transactionSplit off to:Db5C
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,043 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
Founded21-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.