Summary
JEMA LOCKS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €155,251 and a net result of €67,712. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 89% of 8074 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €155,251
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
14 d early
2023
132 d early
2022
3 d early
2021
26 d early
2020
31 d late
2019
15 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 23 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€155,251▲ 77.4%
2024 · €87,539
Net result
€67,712▲ 5.1%
2024 · €64,406
Total assets
€169,926▲ 56.4%
2024 · €108,673
Solvency
91.4%▲ 10.8pp
2024 · 80.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€43,868€347,076▲ 691%€63,083▼ 81.8%€65,497▲ 3.8%€66,524▲ 1.6%
Net result€954below the sector's middle half€289,080above the sector's middle half▲ 30,211%€50,686within the sector's middle half▼ 82.5%€64,406within the sector's middle half▲ 27.1%€67,712within the sector's middle half▲ 5.1%
Equity-€316,633below the sector's middle half▲ 0.3%-€27,553below the sector's middle half▲ 91.3%€23,133below the sector's middle half€87,539within the sector's middle half▲ 278%€155,251within the sector's middle half▲ 77.4%
Total assets€830,492within the sector's middle half▼ 1.2%€524,572within the sector's middle half▼ 36.8%€98,297below the sector's middle half▼ 81.3%€108,673below the sector's middle half▲ 10.6%€169,926within the sector's middle half▲ 56.4%
Debt€1.1m▼ 1.0%€552,125▼ 51.9%€75,165▼ 86.4%€21,134▼ 71.9%€14,675▼ 30.6%
Working capital-€35,937▲ 55.4%€384,639€63,133▼ 83.6%€87,539▲ 38.7%€155,251▲ 77.4%
Solvency-38.1%below the sector's middle half▼ 0.3pp-5.3%below the sector's middle half▲ 32.9pp23.5%below the sector's middle half▲ 28.8pp80.6%above the sector's middle half▲ 57.0pp91.4%above the sector's middle half▲ 10.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €169,926
Equity
€155,251 ▲ 77.4%
Debt
€14,675 ▼ 30.6%
Debt's share of the balance-sheet total falls from 19.4% to 8.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
43.6%▼
2024 · 73.6%
ROA
39.8%▼
2024 · 59.3%
Debt ≤ 1 year
€14,675▼
2024 · €21,134
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €317,494 | €40,000 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,071 | €10,000 | - | - | - | - |
| Other operating charges640/8 | €7,377 | €7,287 | €6,503 | €767 | €1,195 | ▲ 55.7% |
| Gross operating margin9900 | €94,316 | €364,363 | €69,585 | €66,265 | €67,719 | ▲ 2.2% |
| Operating profit (loss)9901 | €43,868 | €347,076 | €63,083 | €65,497 | €66,524 | ▲ 1.6% |
| Financial income75/76B | €2 | - | - | €0 | €1,900 | ▲ 18,999,900% |
| Recurring financial income75 | €2 | - | - | €0 | €1,900 | ▲ 18,999,900% |
| Financial charges65/66B | €42,695 | €57,787 | €12,202 | €1,053 | €712 | ▼ 32.4% |
| Recurring financial charges65 | €42,695 | €57,787 | €12,202 | €1,053 | €712 | ▼ 32.4% |
| Profit (loss) for the period before taxes9903 | €1,176 | €289,288 | €50,881 | €64,444 | €67,712 | ▲ 5.1% |
| Income taxes67/77 | €222 | €209 | €195 | €37 | - | - |
| Profit (loss) for the period9904 | €954 | €289,080 | €50,686 | €64,406 | €67,712 | ▲ 5.1% |
| Profit (loss) for the period to be appropriated9905 | €954 | €289,080 | €50,686 | €64,406 | €67,712 | ▲ 5.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €830,492 | €524,572 | €98,297 | €108,673 | €169,926 | ▲ 56.4% |
| Fixed assets21/28 | €793,885 | €10,000 | - | - | - | - |
| Intangible fixed assets21 | €20,000 | €10,000 | - | - | - | - |
| Tangible fixed assets22/27 | €773,885 | - | - | - | - | - |
| Land and buildings22 | €773,885 | - | - | - | - | - |
| Current assets29/58 | €36,606 | €514,572 | €98,297 | €108,673 | €169,926 | ▲ 56.4% |
| Amounts receivable within one year40/41 | €17,817 | €509,315 | €45,021 | €104,816 | €165,539 | ▲ 57.9% |
| Trade receivables40 | €3,297 | €85,333 | €838 | €3,790 | €8,391 | ▲ 121% |
| Other amounts receivable41 | €14,520 | €423,982 | €44,183 | €101,026 | €157,148 | ▲ 55.6% |
| Cash at bank and in hand54/58 | €5,493 | €4,309 | €1,107 | €1,286 | €1,792 | ▲ 39.3% |
| Deferred charges and accrued income490/1 | €13,296 | €947 | €52,169 | €2,571 | €2,595 | ▲ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €830,492 | €524,572 | €98,297 | €108,673 | €169,926 | ▲ 56.4% |
| Equity10/15 | -€316,633 | -€27,553 | €23,133 | €87,539 | €155,251 | ▲ 77.4% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €5,000 | €5,000 | - | - | - | - |
| Tax-exempt reserves132 | €5,000 | - | - | - | - | - |
| Distributable reserves133 | - | €5,000 | - | - | - | - |
| Profit (loss) carried forward14 | -€371,633 | -€82,553 | -€26,867 | €37,539 | €105,251 | ▲ 180% |
| Amounts payable17/49 | €1.1m | €552,125 | €75,165 | €21,134 | €14,675 | ▼ 30.6% |
| Amounts payable after more than one year17 | €1.1m | €422,192 | €40,000 | - | - | - |
| Financial debts170/4 | €1.1m | €422,192 | €40,000 | - | - | - |
| Amounts payable within one year42/48 | €72,543 | €129,933 | €35,165 | €21,134 | €14,675 | ▼ 30.6% |
| Current portion of amounts payable after more than one year42 | €42,223 | €23,681 | €7,192 | - | - | - |
| Trade debts44 | €20,731 | €55,786 | €3,271 | €7,512 | €8,247 | ▲ 9.8% |
| Suppliers440/4 | €20,731 | €55,786 | €3,271 | €7,512 | €8,247 | ▲ 9.8% |
| Taxes, remuneration and social security45 | €8,390 | €5,494 | €20,158 | €13,359 | €6,428 | ▼ 51.9% |
| Taxes450/3 | €8,390 | €5,494 | €20,158 | €13,359 | €6,428 | ▼ 51.9% |
| Other amounts payable47/48 | €1,199 | €44,971 | €4,544 | €263 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €954 | €289,080 | €50,686 | €64,406 | €67,712 | ▲ 5.1% |
| + Depreciation and write-downs630 | €43,071 | €10,000 | - | - | - | - |
| Operating cash flow (approximation) | €44,025 | €299,080 | €50,686 | €64,406 | €67,712 | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | €773,885 | - | - | - | - |
| Change in cash | - | -€1,184 | -€3,202 | €179 | €506 | ▲ 182% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 11.58
Current ratio from 5.14 to 11.58; short-term debt falls from €21,134 to €14,675.
31-12
Financial
Equity above €150,000Eq €155,251 ▲77.4%
5 profitable years in a row build equity to €155,251.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €289,080 ▲30,211%
Operating result €347,076, net result €289,080, both a record.
31-12
Financial
Liquidity times 8current ratio 3.96
Current ratio from 0.50 to 3.96.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €954
Net result €954 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€698,428
Net result drops to -€698,428, the lowest in the series; recovery starts the following year.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Dilbeek · 1 establishment unit since 2010
Ground area
4,928 m²
Building footprint
1,241 m²
Volume, LiDAR
24,231 m³
Parcel 23026A0134/00Y000, Flanders · tallest building 24.0 m, ±7 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
Nieuwe Gentsesteenweg 21, 1702 Dilbeek
since 20102.190.456.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026A0134/00Y000 | Flanders | 4,928 m² | 1 · 1,241 m² | 24.0 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
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
BIC consulting
BE 0457.918.489
Herentals · Eq €155,264
RISUS Sports
BE 0727.864.739
Knokke-Heist · Eq €155,232
LUTU
BE 0747.824.468
Kasterlee · Eq €155,224
Demirkan Holding
BE 0792.553.049
Beringen · Eq €155,285
CDS CONSULTING
BE 0807.692.175
Brugge · Eq €155,210
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,302 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0823593148
Also
9925:BE0823593148
Registered
01-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.