IMMO JORMAN
ActiveIMMO JORMAN has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €4k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-20
Solvency64▲+3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.46 in 2024), and 45.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.9%
Return on assets
0.7%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
33 d early
2023
36 d early
2022
21 d early
2021
32 d early
2020
26 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€371k▲ 1.2%
2024 · €366k
2018: €194k
2019: €205k
2020: €293k
2021: €397k
2022: €362k
2023: €347k
2024: €366k
2018 → 2025
Total assets
€676k▼ 8.9%
2024 · €742k
2018: €735k
2019: €1.67M
2020: €1.13M
2021: €838k
2022: €836k
2023: €763k
2024: €742k
2018 → 2025
Net result
€4k▼ 76.7%
2024 · €19k
2018: €11k
2019: €11k
2020: €89k
2021: €103k
2022: €-35k
2023: €-15k
2024: €19k
2018 → 2025
Working capital
€-49k▼ 5.1%
2024 · €-47k
2018: €-58k
2019: €280k
2020: €-75k
2021: €9k
2022: €-51k
2023: €-64k
2024: €-47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€397k-€362k▼ 8.7%€347k▼ 4.1%€366k▲ 5.5%€371k▲ 1.2%
Operating result€146k-€-24k€-4k▲ 82.8%€30k€14k▼ 52.2%
Net result€103k-€-35k€-15k▲ 57.0%€19k€4k▼ 76.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €676k
Fixed assets
€656k▼ 6.7%
Current assets
€20k▼ 48.4%
Equity and liabilities €676k
Equity
€371k▲ 1.2%
Debt
€305k▼ 18.7%
The debt ratio falls from 50.6% to 45.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▼
2024 · €83k
Cash flow
€54k▼
2024 · €72k
Solvency
54.9%▲
2024 · 49.4%
Current ratio
0.29▼
2024 · 0.46
Quick ratio
0.26▼
2024 · 0.43
Debt / equity
0.82▼
2024 · 1.03
ROE
1.2%▼
2024 · 5.2%
ROA
0.7%▼
2024 · 2.6%
Interest coverage
7.24▼
2024 · 9.97
Debt
€305k▼
2024 · €375k
Debt ≤ 1 year
€69k▼
2024 · €86k
Debt > 1 year
€236k▼
2024 · €290k
Income taxes
€1k▼
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€742k€676k▼
Fixed assets21/28€703k€656k▼
Tangible fixed assets22/27€703k€656k▼
Land and buildings22€600k€581k▼
Plant, machinery and equipment23€28k€22k▼
Furniture and vehicles24€74k€52k▼
Current assets29/58€39k€20k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€32k€15k▼
Trade receivables40€32k€15k▼
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€742k€676k▼
Equity10/15€366k€371k▲
Contributions10/11€9k€9k=
Reserves13€358k€362k▲
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€337k€341k▲
Amounts payable17/49€375k€305k▼
Amounts payable after more than one year17€290k€236k▼
Financial debts170/4€290k€236k▼
Amounts payable within one year42/48€86k€69k▼
Current portion of amounts payable after more than one year42€57k€54k▼
Trade debts44€11k€557▼
Suppliers440/4€11k€557▼
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€5k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€49k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€89k€70k▼
Operating profit (loss)9901€30k€14k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€22k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€19k€4k▼
Profit (loss) for the period to be appropriated9905€19k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€4k▼
Transfer from equity791/2€0-
Transfer to equity691/2€19k€4k▼
To other reserves6921€19k€4k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-35k ▼133%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €103k ▲16.6%
Net result €103k, the highest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 5current ratio 1.45
Current ratio from 0.26 to 1.45.
31-12
Financial
Equity above €200kEq €205k ▲5.7%
2 profitable years in a row build equity to €205k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oud-Turnhout · 1 establishment unit since 1988
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.
Winterdreef 242360 Oud-TurnhoutGround area
2,553 m²
Building footprint
293 m²
Volume, LiDAR
1,761 m³
Parcel 13483I0332/00A010, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO JORMAN bvba
since 19882.040.802.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13483I0332/00A010 | Flanders | 2,553 m² | 1 · 293 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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ELDORADO
BE 0435.855.444
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JUMP
BE 0753.479.964
Brasschaat · Eq €371k
RP-CHÂTELET
BE 1018.380.135
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SEBEK INVEST
BE 0659.900.601
Frasnes-lez-Anvaing · Eq €370k
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 4,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-1988
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.