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 2025 and 2026.
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Tight liquidity NBB
Cash and receivables cover 29 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
J.M.INVEST from Geel, company number BE0890165931, closed financial year 2026 with a result of € -64,901 after tax. For that financial year J.M.INVEST recorded a gross margin of € 26,064 and equity of € -257,401. Compared with financial year 2025, the result moved from € -21,089 to € -64,901. 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 October 28, 2026.
€ -257,401
▼ € 64,901 vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -64,901
▼ 208 % more loss than in 2025
Profit after tax over the fiscal year.
€ 9,445
▼ 16% vs 2025
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -522,286.
Debts at end 2026
€ 414,286
▲ 67% vs 2025
€ 35,340 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
€ 2,372
▲ 27% vs 2025
Supplier invoices still open on the last day of the fiscal year.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 30,425 | € 30,157 | € 36,810 | € 26,064 | ▼ 29% |
| Profit after taxes | € -25,422 | € -27,130 | € -21,089 | € -64,901 | ▼ € 43,812 |
| Equity | € -144,281 | € -171,411 | € -192,500 | € -257,401 | ▼ € 64,901 |
| Total debts | € 555,657 | € 545,783 | € 533,759 | € 811,433 | ▲ 52% |
| Cash | € 3,202 | € 5,430 | € 11,284 | € 9,445 | ▼ 16% |
| Land & buildings | € 408,173 | € 368,942 | € 328,993 | € 539,408 | ▲ 64% |
| Retained profit | € -453,131 | € -465,606 | € -472,040 | € -522,286 | ▼ € 50,246 |
| Bank debt | € 304,836 | € 276,409 | € 247,350 | € 414,286 | ▲ 67% |
| Balance sheet total | € 411,376 | € 374,371 | € 341,258 | € 554,032 | ▲ 62% |
Key figures of J.M.INVEST, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to J.M.INVEST?
What happened at J.M.INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: loss of € 64,901. Source: NBB ↗
- Maarten Bernaerts became a director. NBB
- Wouter Bernaerts became a director. NBB
- Jan Bernaerts stepped down as director. NBB
- New establishment in Geel. KBO
- Start of the company according to the CBE. KBO
In short
From € 25,422 loss in 2023 to € 64,901 loss in 2026.
Management
Behind J.M.INVEST are Maarten Bernaerts and Wouter Bernaerts. The same people are also behind BDL-Bouw and BDL-Projects.
Directors
According to the 2026 annual accounts
since 2026
since 2026
Establishments
Establishment units
Physical locations of this company
Puntstraat 48
2440 Geel
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0890.165.931
- VAT number
- BE 0890.165.931
- Registered office
- Puntstraat 48, 2440 Geel
- Names & denominations
- J.M.INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 June 2007
- Peppol
- Active · Active since 1 Jan 2001