JMLCB Médicale · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JMLCB Médicale is 0.2% (very low). The 2024 annual accounts show equity of €403k and a net result of €97k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 6596 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 32 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	13-08-2025	13 d late	2025-00372753
31-12-2023	31-07-2024	26-08-2024	26 d late	2024-00369372
31-12-2022	31-07-2023	25-08-2023	25 d late	2023-00353487
31-12-2021	31-07-2022	30-08-2022	30 d late	2022-20343383

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€97k-9.6%

Working capital€307k+59.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 13-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~37.7%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	78.9%	66.7%	better than 68% of 6596 sector peers
Net result	€97k	€46k	better than 76% of 6590 sector peers
Equity	€403k	€79k	better than 93% of 6596 sector peers
Gross operating margin	€167k	€78k	better than 79% of 6598 sector peers
Total assets	€511k	€154k	better than 88% of 6599 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P68

Improving position over 2021-2024 · n=1851-6596

Net result P76

Stable position over 2021-2024 · n=1851-6590

Equity P93

Improving position over 2021-2024 · n=1851-6596

Gross operating margin P79

Stable position over 2021-2024 · n=1852-6598

Describes the position versus peers, not a forecast.

EBITDA

€167k

-10.2% 21-24

Net profit

€97k

-9.6% 21-24

Cash flow

€118k

-12.9% 21-24

Total assets

€511k

+9.8% 21-24

Equity

€403k

+31.8% 21-24

Working capital

€307k

+59.4% 21-24

Income taxes

€48k

-3.5% 21-24

Debt

€108k

-32.5% 21-24

Show 9 other metrics

Debt ≤ 1y

€108k

-32.5% 21-24

Debt > 1y

€8k

-51.7% 21-24

Current ratio

3.84

+74.2% 21-24

Quick ratio

3.84

+74.2% 21-24

Solvency

78.9%

+20.1% 21-24

Debt / equity

0.27

-48.8% 21-24

ROE

24.1%

-31.4% 21-24

ROA

19.0%

-17.6% 21-24

Interest coverage

145.49

-36.1% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€167k
Net profit	€97k
Cash flow	€118k
Staff costs	-
Income taxes	€48k
Dividends	-
Total assets	€511k
Equity	€403k
Debt	€108k
of which ≤ 1y	€108k
of which > 1y	-
Working capital	€307k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.84
Quick ratio	3.84
Working capital ratio	60.0%
Solvency	78.9%
Debt / equity	0.27
Long-term debt ratio	-
Interest coverage	145.49
Gross margin	-
Net margin	-
ROA	19.0%
ROE	24.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €97k · 18.9% Current assets €415k · 81.1%

Equity & liabilities

Equity €403k · 78.9% Debt €108k · 21.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€511k
Fixed assets	21/28	€97k
Intangible fixed assets	21	€81k
Tangible fixed assets	22/27	€16k
Current assets	29/58	€415k
Amounts receivable within one year	40/41	€95k
Investments	50/53	€114k
Cash & bank	54/58	€205k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€511k
Equity	10/15	€403k
Contributions / capital	10/11	€10k
Reserves	13	€392k
Accumulated profits (losses)	14	€970
Amounts payable	17/49	€108k
Amounts payable within one year	42/48	€108k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€167k
Operating result	9901	€146k
Financial income	75	€6
Financial charges	65	€1k
Result before taxes	9903	€145k
Income taxes	67/77	€48k
Net result for the period	9904	€97k
Result to be appropriated	9905	€97k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

JMLCB Médicale

Rue d'Esneux(DLX) 135, 4140 SprimontActiviteiten van medisch specialisten

since 20202.310.214.554

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area2,086 m²

Buildings1

Building footprint201 m²

Volume (LiDAR)980 m³

Tallest building6.9 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)