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.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
J.M.F. CONSEILS from Waterloo, company number BE0471545308, closed financial year 2025 with a result of € -3,849 after tax. For that financial year J.M.F. CONSEILS recorded a gross margin of € -1,077 and equity of € -465,589. Compared with financial year 2024, the result moved from € -5,319 to € -3,849. 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 September 10, 2026.
€ -465,589
▼ € 3,849 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,849
▲ 28 % less loss than in 2024
Profit after tax over the fiscal year.
€ 2,828
▲ € 2,461 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -484,181.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 908 | € 2,444 | € -1,720 | € -1,077 | ▲ € 642 |
| Profit after taxes | € -3,043 | € -1,619 | € -5,319 | € -3,849 | ▲ € 1,470 |
| Equity | € -454,803 | € -456,422 | € -461,741 | € -465,589 | ▼ € 3,849 |
| Total debts | € 461,550 | € 461,366 | € 463,163 | € 468,887 | ▲ 1% |
| Cash | € 4,514 | € 185 | € 367 | € 2,828 | ▲ € 2,461 |
| Retained profit | € -473,395 | € -475,014 | € -480,333 | € -484,181 | ▼ € 3,849 |
| Bank debt | € 19,108 | € 20,748 | € 19,575 | € 0 | ▼ 100% |
| Balance sheet total | € 6,747 | € 4,944 | € 1,422 | € 3,298 | ▲ 132% |
Key figures of J.M.F. CONSEILS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to J.M.F. CONSEILS?
What happened at J.M.F. CONSEILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,849. filed late Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,043 loss in 2022 to € 3,849 loss in 2025.
Paid € 1,060 in corporate taxes since 2022.
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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
Management
Behind J.M.F. CONSEILS are JEAN-FRANCOIS DELFORTERIE and MERVET PARLAKU .
Directors
According to the 2025 annual accounts
JEAN-FRANCOIS DELFORTERIE
Director
MERVET PARLAKU
Director
Establishments
Establishment units
Physical locations of this company
Rue du Ménil 48
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0471.545.308
- VAT number
- BE 0471.545.308
- Registered office
- Rue du Ménil 48, 1410 Waterloo
- Names & denominations
- J.M.F. CONSEILS · J.M.F.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 March 2000
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
Handel in eigen onroerend goed
Handel in onroerend goed
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