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 27 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
10 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
JM Holding from Lier, company number BE0844102908, closed financial year 2025 with a result of € 56,458 after tax. For that financial year JM Holding recorded a gross margin of € 213,791 and equity of € 3.8 million. Compared with financial year 2024, the result moved from € 71,347 to € 56,458. 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 July 24, 2026.
€ 3.8 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 56,458
▼ 21% vs 2024
Profit after tax over the fiscal year.
€ 36,919
▼ 39% 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 € 576,242.
People and assets in 2025
2.8
Average over the fiscal year, from the social balance sheet.
€ 117,924
€ 42,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 531,613
▼ 13% vs 2024
€ 87,532 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 167,343
▼ 82% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,751
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 107,947 | € 4,067 | € 115,129 | € 213,791 | ▲ 86% |
| Profit after taxes | € 78,110 | € 171,676 | € 71,347 | € 56,458 | ▼ 21% |
| Equity | € 3,546,561 | € 3,718,237 | € 3,789,584 | € 3,846,042 | ▲ 1% |
| Total debts | € 1,268,586 | € 1,587,057 | € 1,584,383 | € 1,332,708 | ▼ 16% |
| Cash | € 88,232 | € 29,645 | € 60,830 | € 36,919 | ▼ 39% |
| Retained profit | € 276,761 | € 448,437 | € 519,784 | € 576,242 | ▲ 11% |
| Bank debt | € 150,000 | € 725,875 | € 612,637 | € 531,613 | ▼ 13% |
| Balance sheet total | € 4,815,147 | € 5,305,295 | € 5,373,967 | € 5,178,750 | ▼ 4% |
| Employees (FTE) | - | 0 | 0 | 2.8 |
Key figures of JM Holding, 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 JM Holding?
What happened at JM Holding in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 56,458 (▼ 21% vs 2024). Source: NBB ↗
- New establishment in Lier. KBO
- Start of the company according to the CBE. KBO
In short
From € 78,110 profit in 2022 to € 56,458 profit in 2025.
Paid € 70,150 in corporate taxes since 2022.
Best year ever: 2023, with € 171,676 profit.
On average € 76,400 of value added per employee in 2025.
Management
The stake of Ettol comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
JM HoldingBehind JM Holding are JB Invest & Trade, Mero Consulting, Ettol and Danny Mertens. The shares are held by Ettol (10%). It owns 100% of JML, 100% of JB construct Betonbouw, 100% of JB Plates, 100% of JMC, 100% of JM vastgoed and 100% of JB construct Betonstaal itself.
Directors
According to the 2025 annual accounts
Director · represented by Bart Jacobs
Director · represented by Ronny Mertens
Director · represented by Mario Frederickx
Shareholders
10%
Participations
100%
100%
100%
100%
Establishments
Establishment units
Physical locations of this company
Kelderveld 20
2500 Lier
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 10 companies are registered at this address.
All companies at this address →JM VASTGOED same network
€ 358,904 gross margin · 2025
J.B. CONSTRUCT BETONBOUW same network
€ 2.3 million gross margin · 2025
JML same network
€ 1 million gross margin · 2025
JB Plates same network
€ 1.6 million gross margin · 2025
GROEP JB CONSTRUCT
+5 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0844.102.908
- VAT number
- BE 0844.102.908
- Registered office
- Kelderveld 20, 2500 Lier
- Names & denominations
- JM Holding
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 February 2012
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
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Verhuur en exploitatie van sociale woningen