JEMA
ActiveSummary
JEMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.9m and a net result of €890,432. Equity is growing by ~3.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability72▼-5
Solvency53▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250,000 at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.53 in 2023; short-term debt: 56.5% and cash: 3.8% of total assets), but 72% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 26
Relative position
BE, all sectors
reference
Manufacture of computer, electronic and optical products (NACE 26)
about 73% fewer bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
28%
Return on assets
6.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
31 d early
2023
47 d early
2022
60 d early
2021
39 d early
2020
52 d early
2019
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 17 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2024, full schema
In the rankings
#7 fastest grower in Walloon Brabant, Manufacturing sector#7 company by total assets in Walloon Brabant, Computer and electronic products sector#7 company by equity in Walloon Brabant, Computer and electronic products sector
Turnover
€13.0m
EBIT margin
10.0%
Net result
€890,432▲ 10.4%
2023 · €806,677
Working capital
€5.0m▲ 19.2%
2023 · €4.2m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 26, Manufacture of computer, electronic and optical products, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€13.0m
Operating result€749,014▼ 12.2%€429,716▼ 42.6%€471,952▲ 9.8%€773,891▲ 64.0%€1.3m▲ 67.8%
Net result€658,094within the sector's middle half▼ 1.5%€394,457within the sector's middle half▼ 40.1%€438,903within the sector's middle half▲ 11.3%€806,677within the sector's middle half▲ 83.8%€890,432above the sector's middle half▲ 10.4%
EBIT margin10.0%
Equity€2.6mwithin the sector's middle half▼ 20.4%€2.7mwithin the sector's middle half▲ 5.4%€2.7mwithin the sector's middle half▼ 2.4%€3.1mwithin the sector's middle half▲ 18.0%€3.9mwithin the sector's middle half▲ 23.1%
Total assets€6.3mwithin the sector's middle half▲ 7.1%€7.7mwithin the sector's middle half▲ 21.1%€11.0mwithin the sector's middle half▲ 44.3%€12.4mwithin the sector's middle half▲ 12.6%€13.8mwithin the sector's middle half▲ 11.1%
Debt€3.6m▲ 41.7%€4.8m▲ 34.1%€8.2m▲ 70.6%€9.1m▲ 11.1%€9.7m▲ 6.5%
Working capital€3.5mwithin the sector's middle half▲ 6.4%€4.1mwithin the sector's middle half▲ 16.6%€3.8mwithin the sector's middle half▼ 7.1%€4.2mwithin the sector's middle half▲ 8.6%€5.0mabove the sector's middle half▲ 19.2%
Solvency41.0%within the sector's middle half▼ 14.2pp35.7%within the sector's middle half▼ 5.3pp24.1%within the sector's middle half▼ 11.6pp25.3%within the sector's middle half▲ 1.2pp28.0%within the sector's middle half▲ 2.7pp
Current ratio2.35within the sector's middle half▼ 0.052.31within the sector's middle half▼ 0.041.56within the sector's middle half▼ 0.751.53within the sector's middle half▼ 0.021.63within the sector's middle half▲ 0.10
Return on assets (ROA)10.4%within the sector's middle half▼ 0.9pp5.2%within the sector's middle half▼ 5.3pp4.0%within the sector's middle half▼ 1.2pp6.5%within the sector's middle half▲ 2.5pp6.4%within the sector's middle half=
Staff (FTE)25.8within the sector's middle half▲ 13.2%30.4within the sector's middle half▲ 17.8%32.4within the sector's middle half▲ 6.6%39.2within the sector's middle half▲ 21.0%44within the sector's middle half▲ 12.2%
above
within
below
the middle half (P25 to P75) of NACE 26, Manufacture of computer, electronic and optical products, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 68% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €13.8m
Fixed assets
€1.1m ▲ 109%
Current assets
€12.7m ▲ 6.9%
Equity and liabilities €13.8m
Equity
€3.9m ▲ 23.1%
Provisions
€245,440 ▲ 29.8%
Debt
€9.7m ▲ 6.5%
Debt's share of the balance-sheet total falls from 73.2% to 70.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.4m▲
2023 · €843,101
Cash flow
€992,198▲
2023 · €875,887
Quick ratio
0.89▼
2023 · 0.91
Debt to equity
2.51▼
2023 · 2.90
ROE
23.0%▼
2023 · 25.7%
Interest coverage
23.21▲
2023 · 15.46
Debt ≤ 1 year
€7.8m▲
2023 · €7.8m
Debt > 1 year
€1.7m▲
2023 · €1.2m
Income taxes
€318,146▲
2023 · €144,437
Staff costs
€2.8m▲
2023 · €2.5m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,609 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.0%
went bankrupt
2.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,609 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | - | €14.8m | - |
| Turnover70 | - | - | - | - | €13.0m | - |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | - | - | - | €943,116 | - |
| Own construction capitalised72 | - | - | - | - | €153,583 | - |
| Other operating income74 | - | - | - | - | €699,650 | - |
| Operating charges60/66A | - | - | - | - | €13.5m | - |
| Goods for resale, raw materials and consumables60 | - | - | - | - | €5.7m | - |
| Purchases600/8 | - | - | - | - | €5.9m | - |
| Change in stocks: decrease (increase)609 | - | - | - | - | -€132,098 | - |
| Services and other goods61 | - | - | - | - | €4.8m | - |
| Remuneration, social security and pensions62 | - | €1.8m | €2.0m | €2.5m | €2.8m | ▲ 12.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €76,805 | €81,393 | €72,447 | €69,211 | €101,766 | ▲ 47.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €24,205 | €31,191 | -€9,065 | €99,958 | ▲ 1,203% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€29,170 | €65,484 | €3,913 | €56,368 | ▲ 1,340% |
| Other operating charges640/8 | - | €4,023 | €18,257 | €3,916 | €4,644 | ▲ 18.6% |
| Non-recurring operating charges66A | - | - | - | - | €8 | - |
| Gross operating margin9900 | €2.4m | €2.3m | €2.6m | €3.3m | - | - |
| Operating profit (loss)9901 | €749,014 | €429,716 | €471,952 | €773,891 | €1.3m | ▲ 67.8% |
| Financial income75/76B | - | €15,248 | €33,900 | €231,744 | €24,237 | ▼ 89.5% |
| Recurring financial income75 | €3,299 | €15,248 | €33,900 | €231,744 | €24,237 | ▼ 89.5% |
| Income from current assets751 | - | - | - | - | €566 | - |
| Other financial income752/9 | - | - | - | - | €23,671 | - |
| Financial charges65/66B | - | €19,473 | €37,987 | €54,522 | €114,336 | ▲ 110% |
| Recurring financial charges65 | €11,953 | €19,473 | €37,987 | €54,522 | €114,336 | ▲ 110% |
| Debt charges650 | - | - | - | - | €60,338 | - |
| Other financial charges652/9 | - | - | - | - | €53,997 | - |
| Profit (loss) for the period before taxes9903 | €740,360 | €425,490 | €467,865 | €951,113 | €1.2m | ▲ 27.1% |
| Income taxes67/77 | €82,266 | €31,033 | €28,963 | €144,437 | €318,146 | ▲ 120% |
| Taxes670/3 | - | - | - | - | €318,146 | - |
| Profit (loss) for the period9904 | €658,094 | €394,457 | €438,903 | €806,677 | €890,432 | ▲ 10.4% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €126,300 | - |
| Profit (loss) for the period to be appropriated9905 | €531,794 | €394,457 | €438,903 | €806,677 | €1.0m | ▲ 26.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.3m | €7.7m | €11.0m | €12.4m | €13.8m | ▲ 11.1% |
| Fixed assets21/28 | €171,445 | €397,528 | €357,420 | €507,278 | €1.1m | ▲ 109% |
| Intangible fixed assets21 | €13,849 | €18,599 | €12,495 | €8,360 | €4,252 | ▼ 49.1% |
| Tangible fixed assets22/27 | €156,636 | €116,969 | €82,465 | €226,708 | €784,491 | ▲ 246% |
| Plant, machinery and equipment23 | - | €71,912 | €50,872 | €177,604 | €171,031 | ▼ 3.7% |
| Furniture and vehicles24 | - | €35,721 | €31,040 | €39,824 | €66,980 | ▲ 68.2% |
| Other tangible fixed assets26 | - | €9,337 | €552 | €9,279 | €546,480 | ▲ 5,789% |
| Financial fixed assets28 | €960 | €261,960 | €262,460 | €272,210 | €272,210 | = |
| Affiliated companies280/1 | - | - | - | - | €261,000 | - |
| Participating interests280 | - | - | - | - | €261,000 | - |
| Other financial fixed assets284/8 | - | - | - | - | €11,210 | - |
| Shares284 | - | - | - | - | €10,250 | - |
| Amounts receivable and cash guarantees285/8 | - | - | - | - | €960 | - |
| Current assets29/58 | €6.2m | €7.3m | €10.7m | €11.9m | €12.7m | ▲ 6.9% |
| Amounts receivable after more than one year29 | - | €1.2m | €954,167 | €737,500 | €520,833 | ▼ 29.4% |
| Other amounts receivable291 | - | €1.2m | €954,167 | €737,500 | €520,833 | ▼ 29.4% |
| Stocks and contracts in progress3 | €496,906 | €1.6m | €3.0m | €4.8m | €5.8m | ▲ 20.2% |
| Stocks30/36 | - | €1.1m | €1.6m | €3.1m | €3.1m | ▲ 1.1% |
| Raw materials and consumables30/31 | - | - | - | - | €3.1m | - |
| Contracts in progress37 | - | €532,785 | €1.3m | €1.8m | €2.7m | ▲ 53.1% |
| Amounts receivable within one year40/41 | €2.6m | €3.1m | €4.7m | €5.0m | €5.7m | ▲ 14.9% |
| Trade receivables40 | - | €2.0m | €3.5m | €3.7m | €4.3m | ▲ 16.1% |
| Other amounts receivable41 | - | €1.2m | €1.2m | €1.3m | €1.4m | ▲ 11.2% |
| Current investments50/53 | €164,000 | €164,000 | €164,000 | €149,000 | €149,000 | = |
| Own shares50 | - | - | - | - | €149,000 | - |
| Cash at bank and in hand54/58 | €2.4m | €1.2m | €1.9m | €1.2m | €521,274 | ▼ 57.2% |
| Deferred charges and accrued income490/1 | - | €20,630 | €28,482 | €12,285 | €33,449 | ▲ 172% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.3m | €7.7m | €11.0m | €12.4m | €13.8m | ▲ 11.1% |
| Equity10/15 | €2.6m | €2.7m | €2.7m | €3.1m | €3.9m | ▲ 23.1% |
| Contributions10/11 | €273,500 | €273,500 | €273,500 | €1.0m | €1.0m | = |
| Capital10 | - | €273,500 | €273,500 | €1.0m | €1.0m | = |
| Issued capital100 | - | €273,500 | €273,500 | €1.0m | €1.0m | = |
| Reserves13 | €856,300 | €856,300 | €856,300 | €928,950 | €928,950 | = |
| Non-distributable reserves130/1 | - | €191,350 | €191,350 | €249,000 | €249,000 | = |
| Legal reserve130 | - | €27,350 | €27,350 | €100,000 | €100,000 | = |
| Own shares acquired1312 | - | €164,000 | €164,000 | €149,000 | €149,000 | = |
| Tax-exempt reserves132 | - | €126,300 | €126,300 | €126,300 | - | - |
| Distributable reserves133 | - | €538,650 | €538,650 | €553,650 | €679,950 | ▲ 22.8% |
| Profit (loss) carried forward14 | €1.5m | €1.6m | €1.5m | €1.2m | €1.9m | ▲ 59.8% |
| Provisions and deferred taxes16 | €148,845 | €119,675 | €185,159 | €189,072 | €245,440 | ▲ 29.8% |
| Provisions for liabilities and charges160/5 | - | €119,675 | €185,159 | €189,072 | €245,440 | ▲ 29.8% |
| Environmental obligations163 | - | €119,675 | €185,159 | - | - | - |
| Other liabilities and charges164/5 | - | - | - | €189,072 | €245,440 | ▲ 29.8% |
| Amounts payable17/49 | €3.6m | €4.8m | €8.2m | €9.1m | €9.7m | ▲ 6.5% |
| Amounts payable after more than one year17 | €806,809 | €1.5m | €1.2m | €1.2m | €1.7m | ▲ 38.6% |
| Financial debts170/4 | - | €733,333 | €633,333 | €500,000 | €866,667 | ▲ 73.3% |
| Subordinated loans170 | - | - | - | - | €366,667 | - |
| Other loans174 | - | - | - | - | €500,000 | - |
| Other amounts payable178/9 | - | €806,809 | €592,438 | €697,981 | €794,235 | ▲ 13.8% |
| Amounts payable within one year42/48 | €2.6m | €3.1m | €6.9m | €7.8m | €7.8m | ▲ 0.3% |
| Current portion of amounts payable after more than one year42 | - | €66,667 | €133,333 | €133,333 | €633,333 | ▲ 375% |
| Trade debts44 | €904,072 | €1.1m | €1.2m | €2.0m | €2.2m | ▲ 13.4% |
| Suppliers440/4 | - | €1.1m | €1.2m | €2.0m | €2.2m | ▲ 13.4% |
| Advances received on contracts in progress46 | - | €1.4m | €4.7m | €4.8m | €4.1m | ▼ 14.8% |
| Taxes, remuneration and social security45 | - | €373,803 | €381,133 | €516,508 | €655,256 | ▲ 26.9% |
| Taxes450/3 | - | €108,096 | €138,988 | €144,143 | €261,271 | ▲ 81.3% |
| Remuneration and social security454/9 | - | €265,708 | €242,145 | €372,366 | €393,985 | ▲ 5.8% |
| Other amounts payable47/48 | - | €248,500 | €479,500 | €328,000 | €165,000 | ▼ 49.7% |
| Accrued charges and deferred income492/3 | - | €121,954 | €106,266 | €131,750 | €236,842 | ▲ 79.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €658,094 | €394,457 | €438,903 | €806,677 | €890,432 | ▲ 10.4% |
| + Depreciation and write-downs630 | €76,805 | €81,393 | €72,447 | €69,211 | €101,766 | ▲ 47.0% |
| Operating cash flow (approximation) | €734,899 | €475,851 | €511,350 | €875,887 | €992,198 | ▲ 13.3% |
| Investment in fixed assets (approximation) | - | -€307,477 | -€32,339 | -€219,068 | -€655,441 | ▼ 199% |
| Change in cash | - | -€1.3m | €698,366 | -€641,500 | -€696,944 | ▼ 8.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €890,432 ▲10.4%
Operating result €1.3m, net result €890,432, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2008
Ground area
8,755 m²
Building footprint
1,900 m²
Parcel 25386B0112/00L009, Wallonia. Linked by address, not a title deed.
1 establishment unit
JEMA sa
since 20082.169.241.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0112/00L009indicative | Wallonia | 8,755 m² | 1 · 1,900 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
- C.P.D.H.
- CE+T GROUP
- JEMA
Highest known parent: C.P.D.H.. The sources do not say who stands above it.
Owners 1
- CE+T GROUPparentSourceaccounts CE+T GROUP 202551.19%
Holdings 1
-
87%
According to the 2024 annual accounts of JEMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
54930004YKL3WHACOQ27
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Identification & contact
Identification
Legal formPublic limited company
Founded20-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
26400Manufacture of computer, electronic and optical products
27110Manufacture of electrical equipment
27900Manufacture of electrical equipment
46500Wholesale of information and communication equipment
46620Wholesale of machine tools
47789Other retail sale of new goods
Contact
Phone
010/454333Ottignies-Louvain-la-Neuve
E-invoicing
Reachable via Peppol
Peppol ID
0208:0895882793
Also
9925:BE0895882793
Registered
27-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.