JP Montfort
ActiveJP Montfort has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.33M and a net result of €559k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 1760 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
98
/ 100
Excellent▲ +5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 3.44 in 2023), and 27.9% 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
72.1%
Return on assets
30.3%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
29 d late
2022
30 d late
2021
40 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€559k▲ 22.5%
2023 · €456k
2021: €1.17M
2022: €588k
2023: €456k
2021 → 2024
Working capital
€690k▼ 48.4%
2023 · €1.34M
2021: €-172k
2022: €648k
2023: €1.34M
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€1.17M-€1.76M▲ 50.3%€2.21M▲ 26.0%€1.33M▼ 39.8%
Operating result€1.55M-€859k▼ 44.7%€657k▼ 23.5%€744k▲ 13.1%
Net result€1.17M-€588k▼ 49.7%€456k▼ 22.3%€559k▲ 22.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 13% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.85M
Fixed assets
€643k▼ 26.6%
Current assets
€1.21M▼ 36.1%
Equity and liabilities €1.85M
Equity
€1.33M▼ 39.8%
Debt
€515k▼ 6.1%
The debt ratio rises from 19.9% to 27.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€976k▲
2023 · €890k
Cash flow
€792k▲
2023 · €689k
Solvency
72.1%▼
2023 · 80.1%
Current ratio
2.34▼
2023 · 3.44
Quick ratio
2.34▼
2023 · 3.44
Debt / equity
0.39▲
2023 · 0.25
ROE
42.0%▲
2023 · 20.6%
ROA
30.3%▲
2023 · 16.5%
Interest coverage
543.95▲
2023 · 420.32
Debt
€515k▼
2023 · €549k
Debt ≤ 1 year
€515k▼
2023 · €549k
Income taxes
€226k▲
2023 · €212k
Staff costs
€16k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.76M€1.85M▼
Fixed assets21/28€876k€643k▼
Intangible fixed assets21€863k€635k▼
Tangible fixed assets22/27€13k€9k▼
Land and buildings22€8k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€1.89M€1.21M▼
Amounts receivable within one year40/41€504k€527k▲
Trade receivables40€379k€527k▲
Other amounts receivable41€125k-
Current investments50/53€808k-
Cash at bank and in hand54/58€572k€676k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.76M€1.85M▼
Equity10/15€2.21M€1.33M▼
Contributions10/11€1k€1k=
Reserves13€1.04M€1.33M▲
Distributable reserves133€1.04M€1.33M▲
Profit (loss) carried forward14€1.17M€5k▼
Amounts payable17/49€549k€515k▼
Amounts payable within one year42/48€549k€515k▼
Trade debts44-€6k
Suppliers440/4-€6k
Taxes, remuneration and social security45€549k€113k▼
Taxes450/3€549k€111k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€396k
Income statement
Code20232024
Remuneration, social security and pensions62€5k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€233k€233k=
Other operating charges640/8€5k€4k▼
Gross operating margin9900€900k€996k▲
Operating profit (loss)9901€657k€744k▲
Financial income75/76B€13k€43k▲
Recurring financial income75€13k€43k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€668k€785k▲
Income taxes67/77€212k€226k▲
Profit (loss) for the period9904€456k€559k▲
Profit (loss) for the period to be appropriated9905€456k€559k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.63M€1.73M▲
Profit (loss) brought forward from the previous period14P€1.17M€1.17M▲
Transfer to equity691/2€455k€287k▼
To other reserves6921€455k€287k▼
Profit to be distributed694/7-€1.44M
Return on contributions (dividend)694-€1.44M
Social balance
Average headcount (FTE)90870.10.2▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €456k ▼22.3%
Net result drops to €456k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.44
Current ratio from 1.72 to 3.44; short-term debt falls from €906k to €549k.
31-12
Financial
Equity above €2MEq €2.21M ▲26%
3 profitable years in a row build equity to €2.21M.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Elsene · 1 establishment unit since 2020
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.
Mauricelaan 301050 ElseneGround area
221 m²
Building footprint
101 m²
Volume, LiDAR
1,409 m³
Parcel 21445E0006/00M017, Brussels · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
JP Montfort
since 20202.308.652.161
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445E0006/00M017 | Brussels | 221 m² | 1 · 101 m² | 19.1 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845005B8E76FDA44B85
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Of 22,024 companies in sector 69101 we hold annual accounts for 9,030. 3,575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2020
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jpmontfort@mayerbrown.com
Phone:+322551597