What does J.M. FINANCE do?

J.M. FINANCE is an insurance broker in Ham-sur-Heure-Nalinnes. Cooperative, started on 28 March 1988, 1 establishment.

What is the address of J.M. FINANCE?

The registered office of J.M. FINANCE is located at Chemin des Trois Arbres(HSH) 74, 6120 Ham-sur-Heure-Nalinnes.

Is J.M. FINANCE still active?

Yes. According to the CBE (16 September 2026) J.M. FINANCE is active, legal situation “Normale toestand”, started on 28 March 1988.

Is J.M. FINANCE registered on Peppol?

Yes, J.M. FINANCE is registered on the Peppol network with ID 0208:0433833884.

What is the enterprise number of J.M. FINANCE?

The enterprise number of J.M. FINANCE is BE0433833884.

When was J.M. FINANCE founded?

J.M. FINANCE was founded on 28 March 1988.

Who are the directors of J.M. FINANCE?

According to the 2023 annual accounts, the directors of J.M. FINANCE are: Delphine DELEAU.

Is J.M. FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 28 March 1988; 3 annual accounts filed, latest fiscal year 2023; 1 directors known from the annual account.

How much profit did J.M. FINANCE make in 2023?

J.M. FINANCE posted a profit after taxes of € 4,099 in financial year 2023.

What is the revenue of J.M. FINANCE?

As a small company, J.M. FINANCE is not required to publish revenue in its annual accounts. In financial year 2023, its added value was € 13,604.

J.M. FINANCE (Cooperative) - Ham-sur-Heure-Nalinnes

Dossier J.M. FINANCE, printed on 16 September 2026 from databakkes.be/en/0433833884/j-m-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Annual account missing NBB

Fiscal year 2024 was expected before 31 July 2025 and has not been filed.

Financials

Financial year 2023

J.M. FINANCE from Ham-sur-Heure-Nalinnes, company number BE0433833884, closed financial year 2023 with a result of € 4,099 after tax. For that financial year J.M. FINANCE recorded a gross margin of € 13,604 and equity of € 122,330. Compared with financial year 2022, the result moved from € -2,560 to € 4,099. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on November 8, 2024.

What it is worth Growing

€ 122,330

▲ 3% vs 2022

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 4,099

▲ still € 2,560 loss in 2022

Profit after tax over the fiscal year.

Cash in the bank

€ 52,732

▲ 11% vs 2022

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2023. Retained profit grew to € 100,238.

People and assets in 2023

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Wage cost estimate Staff cost at a one-person company Staff Only people on the payroll count here.€ 2,554 Likely the director’s social contribution or pension premium.The director’s pay Already netted into the gross margin, not shown separately in the accounts. Typical for one-person companies € 45,000 gross per year minimum for the reduced tax rate≈ € 2,100 net per month after contributions, tax and usually some benefits in kind, roughly Assumption based on the chart of accounts, not a figure from the source.

€ 2,554

▲ 9% vs 2022

No payroll staff. An amount this small is usually a social contribution or pension premium for the director, booked under staff costs.

Vehicles and equipment

€ 15,024

▼ 26% vs 2022

Book value of vehicles, furniture and equipment.

Debts at end 2023

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 2,287

▼ 16% vs 2022

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 991

▼ 75% vs 2022

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	Change 2022 → 2023
Gross margin	€ 44,176 Gross margin 2021: € 44,176 First fiscal year in the series	€ 7,636 Gross margin 2022: € 7,636 ▼ 83% vs 2021 (€ 44,176) Unfavourable step	€ 13,604 Gross margin 2023: € 13,604 ▲ 78% vs 2022 (€ 7,636) Favourable step	▲ 78%
Profit after taxes	€ 1,949 Profit after taxes 2021: € 1,949 First fiscal year in the series	€ -2,560 Profit after taxes 2022: € -2,560 ▼ € 4,509 vs 2021 (€ 1,949) Unfavourable step	€ 4,099 Profit after taxes 2023: € 4,099 ▲ € 6,659 vs 2022 (€ -2,560) Favourable step	▲ € 6,659
Equity	€ 120,790 Equity 2021: € 120,790 First fiscal year in the series	€ 118,231 Equity 2022: € 118,231 ▼ 2% vs 2021 (€ 120,790) Unfavourable step	€ 122,330 Equity 2023: € 122,330 ▲ 3% vs 2022 (€ 118,231) Favourable step	▲ 3%
Total debts	€ 10,480 Total debts 2021: € 10,480 First fiscal year in the series	€ 7,030 Total debts 2022: € 7,030 ▼ 33% vs 2021 (€ 10,480) Favourable step	€ 3,278 Total debts 2023: € 3,278 ▼ 53% vs 2022 (€ 7,030) Favourable step	▼ 53%
Cash	€ 49,351 Cash 2021: € 49,351 First fiscal year in the series	€ 47,316 Cash 2022: € 47,316 ▼ 4% vs 2021 (€ 49,351) Unfavourable step	€ 52,732 Cash 2023: € 52,732 ▲ 11% vs 2022 (€ 47,316) Favourable step	▲ 11%
Retained profit	€ 98,698 Retained profit 2021: € 98,698 First fiscal year in the series	€ 96,139 Retained profit 2022: € 96,139 ▼ 3% vs 2021 (€ 98,698) Unfavourable step	€ 100,238 Retained profit 2023: € 100,238 ▲ 4% vs 2022 (€ 96,139) Favourable step	▲ 4%
Balance sheet total	€ 131,270 Balance sheet total 2021: € 131,270 First fiscal year in the series	€ 125,260 Balance sheet total 2022: € 125,260 ▼ 5% vs 2021 (€ 131,270) Unchanged	€ 125,608 Balance sheet total 2023: € 125,608 Unchanged (€ 125,260) Unchanged

Key figures of J.M. FINANCE, fiscal years 2021 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.

What happened to J.M. FINANCE?

What happened at J.M. FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Nov 8, 2024 New annual accounts for financial year 2023: profit of € 4,099. filed late Source: NBB ↗
Apr 13, 1988 New establishment in Ham-sur-Heure-Nalinnes. KBO
Mar 28, 1988 Start of the company according to the CBE. KBO

In short

From € 1,949 profit in 2021 to € 4,099 profit in 2023.

Paid € 4,114 in corporate taxes since 2021.

Best year ever: 2023, with € 4,099 profit.

Original PDFs at the National Bank ↗

A new publication or filing at J.M. FINANCE? We notify you, reason included.

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My folder 3 companies

De Lijn 8 June 2026 New annual account 2025

filed on 8 June 2026

What was left

€ 20 k ▼ 91%
Money in the bank

€ 178 k ▼ 98%

Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit

Real filings at the National Bank

Management

Delphine DELEAU

J.M. FINANCE

Behind J.M. FINANCE is Delphine DELEAU.

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Directors

According to the 2023 annual accounts

Delphine DELEAU

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Chemin des Trois Arbres(HSH) 74

6120 Ham-sur-Heure-Nalinnes

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0433.833.884

VAT number

BE 0433.833.884

Registered office

Chemin des Trois Arbres(HSH) 74, 6120 Ham-sur-Heure-Nalinnes

Names & denominations

J.M. FINANCE

Enterprise type

Rechtspersoon

Legal form

Cooperative company

Legal situation

Normale toestand

Start date

28 March 1988

Peppol

Active · Active since 26 Jan 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Overige posterijen en koeriers

Overige fiscale dienstverlening

View on CBE Public ↗ Annual accounts (NBB) ↗

J.M. FINANCE

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Financials

What happened to J.M. FINANCE?

Know what changes at your customers, suppliers and competitors. Without reading an annual account.

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions