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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Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
J & M Consultants from Westerlo, company number BE0820515080, closed financial year 2025 with a result of € 163,473 after tax. For that financial year J & M Consultants recorded a gross margin of € 388,874 and equity of € 947,706. Compared with financial year 2024, the result moved from € 204,695 to € 163,473. The company is profitable. 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 March 9, 2026.
€ 947,706
▲ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 163,473
▼ 20% vs 2024
Profit after tax over the fiscal year.
€ 23,090
▲ 219% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 941,506.
Debts at end 2025
€ 833,537
▼ 5% vs 2024
€ 48,686 is repaid this year. At this pace the long-term loan is gone in ≈ 17 years.
€ 8,352
▼ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,401
▼ 73% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 328,203 | € 386,954 | € 487,074 | € 388,874 | ▼ 20% |
| Profit after taxes | € 194,133 | € 128,096 | € 204,695 | € 163,473 | ▼ 20% |
| Equity | € 451,440 | € 579,537 | € 784,232 | € 947,706 | ▲ 21% |
| Total debts | € 909,458 | € 1,665,096 | € 1,744,077 | € 1,604,123 | ▼ 8% |
| Cash | € 146,049 | € 21,862 | € 7,238 | € 23,090 | ▲ 219% |
| Land & buildings | € 1,188,659 | € 2,154,011 | € 2,435,200 | € 2,468,993 | ▲ 1% |
| Retained profit | € 445,240 | € 573,337 | € 778,032 | € 941,506 | ▲ 21% |
| Bank debt | € 201,862 | € 912,503 | € 873,222 | € 833,537 | ▼ 5% |
| Balance sheet total | € 1,360,899 | € 2,244,633 | € 2,528,309 | € 2,551,829 | ▲ 1% |
Key figures of J & M Consultants, 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 April 2027.
What happened to J & M Consultants?
What happened at J & M Consultants in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 163,473 (▼ 20% vs 2024). Source: NBB ↗
- New establishment in Westerlo. KBO
- Start of the company according to the CBE. KBO
In short
From € 194,133 profit in 2022 to € 163,473 profit in 2025.
Paid € 285,395 in corporate taxes since 2022.
Best year ever: 2024, with € 204,695 profit.
Management
Behind J & M Consultants are Marjan Janssens and Meyen Ronny. Marjan Janssens is also behind FINTRAVER and FIMA CONSULT. Meyen Ronny is also behind Fimassur.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Oude Zoerlebaan 28
2260 Westerlo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0820.515.080
- VAT number
- BE 0820.515.080
- Registered office
- Oude Zoerlebaan 28, 2260 Westerlo
- Names & denominations
- J & M Consultants
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 November 2009
- Peppol
- Active · Active since 21 Oct 2026
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