DE JOMA
ActiveThe computed 12-month bankruptcy probability of DE JOMA is 2.2% (moderate). The 2024 annual accounts show equity of €772k and a net result of €328k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 9623 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+7
Solvency80▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.86 in 2023; short-term debt: 44.8% and cash: 19.5% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
55.2%
Return on assets
23.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-02-2025, 168 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
168 d early
2023
49 d early
2022
11 d late
2021
23 d early
2020
44 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€772k=
2023 · €772k
2020: €281k
2021: €533k
2022: €772k
2023: €772k
2020 → 2024
Total assets
€1.40M▼ 9.4%
2023 · €1.54M
2020: €887k
2021: €1.22M
2022: €1.41M
2023: €1.54M
2020 → 2024
Net result
€328k▲ 18.6%
2023 · €277k
2020: €273k
2021: €253k
2022: €241k
2023: €277k
2020 → 2024
Working capital
€586k▼ 12.2%
2023 · €668k
2020: €107k
2021: €386k
2022: €651k
2023: €668k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€281k-€533k▲ 89.6%€772k▲ 44.9%€772k=€772k=
Operating result€391k-€329k▼ 15.8%€369k▲ 12.3%€382k▲ 3.3%€434k▲ 13.7%
Net result€273k-€253k▼ 7.1%€241k▼ 4.9%€277k▲ 15.0%€328k▲ 18.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 14% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.40M
Fixed assets
€185k▲ 78.5%
Current assets
€1.21M▼ 15.8%
Equity and liabilities €1.40M
Equity
€772k=
Debt
€627k▼ 18.8%
The debt ratio falls from 50.0% to 44.8%. Debt is lower.
Key figures and ratios
EBITDA
€453k▲
2023 · €395k
Cash flow
€347k▲
2023 · €290k
Solvency
55.2%▲
2023 · 50.0%
Current ratio
1.93▲
2023 · 1.86
Quick ratio
1.79▲
2023 · 1.70
Debt / equity
0.81▼
2023 · 1.00
ROE
42.6%▲
2023 · 35.9%
ROA
23.5%▲
2023 · 17.9%
Interest coverage
36.08▼
2023 · 66.63
Debt
€627k▼
2023 · €773k
Debt ≤ 1 year
€627k▼
2023 · €773k
Income taxes
€119k▲
2023 · €99k
Staff costs
€534k▲
2023 · €360k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.54M€1.40M▼
Fixed assets21/28€104k€185k▲
Tangible fixed assets22/27€104k€185k▲
Land and buildings22€72k€67k▼
Plant, machinery and equipment23€1k€894▼
Furniture and vehicles24€176€90k▲
Other tangible fixed assets26€31k€28k▼
Current assets29/58€1.44M€1.21M▼
Stocks and contracts in progress3€125k€92k▼
Stocks30/36€125k€92k▼
Amounts receivable within one year40/41€333k€381k▲
Trade receivables40€312k€340k▲
Other amounts receivable41€21k€41k▲
Current investments50/53€600k€461k▼
Cash at bank and in hand54/58€381k€273k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.40M▼
Equity10/15€772k€772k=
Contributions10/11€10k€10k=
Reserves13€762k€762k=
Distributable reserves133€762k€762k=
Amounts payable17/49€773k€627k▼
Amounts payable within one year42/48€773k€627k▼
Trade debts44€215k€103k▼
Suppliers440/4€215k€103k▼
Taxes, remuneration and social security45€189k€157k▼
Taxes450/3€158k€88k▼
Remuneration and social security454/9€31k€69k▲
Other amounts payable47/48€369k€368k▼
Income statement
Code20232024
Non-recurring operating income76A-€905
Remuneration, social security and pensions62€360k€534k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€135k€-30k▼
Other operating charges640/8€17k€6k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€909k€963k▲
Operating profit (loss)9901€382k€434k▲
Financial income75/76B€619€27k▲
Recurring financial income75€619€27k▲
Financial charges65/66B€6k€13k▲
Recurring financial charges65€6k€13k▲
Profit (loss) for the period before taxes9903€376k€448k▲
Income taxes67/77€99k€119k▲
Profit (loss) for the period9904€277k€328k▲
Profit (loss) for the period to be appropriated9905€277k€328k▲
Appropriation of the result
Profit (loss) to be appropriated9906€277k€328k▲
Profit to be distributed694/7€277k€328k▲
Return on contributions (dividend)694€277k€328k▲
Social balance
Average headcount (FTE)90878.79.8▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €328k ▲18.6%
Operating result €434k, net result €328k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 11 days late
2022
31-12
Financial
Weakest financial yearnet €241k ▼4.9%
Net result drops to €241k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €533k ▲89.6%
2 profitable years in a row build equity to €533k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Rijkevorsel · 2 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoek 322310 RijkevorselGround area
962 m²
Building footprint
651 m²
Volume, LiDAR
4,777 m³
2 parcels, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Helhoekweg 7, 2310 Rijkevorsel
since 20202.302.646.673
DE JOMA
since 20202.302.646.871
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037H0585/00X008 | Flanders | 721 m² | 1 · 401 m² | 14.0 m · 3 fl. |
| 13502E0172/00D006 | Flanders | 241 m² | 1 · 250 m² | 11.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,929 EUR awarded · 2,929 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,472 EUR | 1,472 EUR |
| 2022 | 1 | 1,457 EUR | 1,457 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 siteRijkevorsel2.302.646.673
Similar companies · same sector, comparable size
Maison Lefebvre
BE 0727.757.247
Brussel · Eq €784k
NEWSPAPERSHOP DAILY
BE 0876.697.579
Bree · Eq €744k
FROVIN
BE 0466.359.865
Baarle-Hertog · Eq €728k
ELBACO
BE 0827.722.279
Vorselaar · Eq €728k
LIBRAIRIE DES FAUBOURGS
BE 0436.226.123
Arlon · Eq €831k
Of 2,347 companies in sector 47621 we hold annual accounts for 1,246. 660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2020
Fiscal year end31-12
Activities, NACEBEL
46500Wholesale of information and communication equipment
46510Wholesale trade
47620Retail trade
47621Retail sale of newspapers and periodicals
18120Other printing
47400Retail sale of information and communication equipment
47410Retail trade
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.