Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
Financials
Financial year 2025
J & M CONTRACTORS from Lier, company number BE0455009677, closed financial year 2025 with a result of € -5,697 after tax. For that financial year J & M CONTRACTORS recorded a gross margin of € 42,606 and equity of € -9,353. Compared with financial year 2024, the result moved from € 12,972 to € -5,697. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ -9,353
▼ € 5,697 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,697
▼ still € 12,972 profit in 2024
Profit after tax over the fiscal year.
€ 148
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -27,953.
People and assets in 2025
€ 44,639
▼ 2% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,411
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 6,820
▲ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 19,610
▼ 1% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 83,777 | € 88,243 | € 65,068 | € 42,606 | ▼ 35% |
| Profit after taxes | € 26,652 | € 17,637 | € 12,972 | € -5,697 | ▼ € 18,668 |
| Equity | € -21,764 | € -16,627 | € -3,656 | € -9,353 | ▼ € 5,697 |
| Total debts | € 78,361 | € 56,066 | € 37,191 | € 37,488 | ▲ 1% |
| Cash | € 9,969 | € 3,994 | € 12,614 | € 148 | ▼ 99% |
| Retained profit | € -40,364 | € -35,227 | € -22,256 | € -27,953 | ▼ € 5,697 |
| Dividend | € 10,000 | € 12,500 | € 0 | € 0 | |
| Bank debt | € 20,310 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 56,597 | € 39,439 | € 33,536 | € 28,135 | ▼ 16% |
Key figures of J & M CONTRACTORS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to J & M CONTRACTORS?
What happened at J & M CONTRACTORS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,697 (▼ € 18,668 vs 2024). Source: NBB ↗
- New establishment in Lier. KBO
- Start of the company according to the CBE. KBO
In short
From € 26,652 profit in 2022 to € 5,697 loss in 2025.
Paid € 13,851 in corporate taxes since 2022.
Best year ever: 2022, with € 26,652 profit.
Paid out € 22,500 in dividends to the owners in total.
Management
Behind J & M CONTRACTORS are Jan Daems and Mari Ceylan. The same people are also behind HANDS @ HOME. Mari Ceylan is also behind OFFICECLEANERS.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Beukheuvel 32
2500 Lier
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0455.009.677
- VAT number
- BE 0455.009.677
- Registered office
- Beukheuvel 32, 2500 Lier
- Names & denominations
- J & M CONTRACTORS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 April 1995
- Peppol
- Active · Active since 8 Oct 2025
- Activities · NACE
Overige reiniging van gebouwen; industriële reiniging
Algemene reiniging van gebouwen
Administratieve en ondersteunende activiteiten ten behoeve van kantoren
Schilderen van gebouwen
Catering van evenementen
Overige dienstverlenende activiteiten op het gebied van informatie
Overige zakelijke dienstverlening, neg
Promotie en organisatie van scheppende en uitvoerende kunstevenementen
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