JEMA PROJECTS
ActiveJEMA PROJECTS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-7k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▲+2
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 55.93 against 40.06 in 2024; short-term debt: 1.8% and cash: 12.5% of total assets), and 1.8% 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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.2%
Return on assets
-13.6%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-7k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-12-2025, 36 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
36 d early
2024
1 d early
2023
2 d early
2022
6 d early
2021
33 d early
2020
9 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 12.1%
2024 · €58k
2019: €61k
2020: €58k
2021: €98k
2022: €124k
2023: €79k
2024: €58k
2019 → 2025
Total assets
€52k▼ 12.8%
2024 · €60k
2019: €229k
2020: €828k
2021: €1.13M
2022: €225k
2023: €80k
2024: €60k
2019 → 2025
Net result
€-7k▲ 66.1%
2024 · €-21k
2019: €21k
2020: €-3k
2021: €40k
2022: €25k
2023: €-45k
2024: €-21k
2019 → 2025
Working capital
€51k▼ 11.5%
2024 · €57k
2019: €203k
2020: €790k
2021: €910k
2022: €122k
2023: €78k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€124k▲ 25.7%€79k▼ 36.0%€58k▼ 26.4%€51k▼ 12.1%
Operating result€64k-€43k▼ 32.8%€-45k€-22k▲ 51.4%€-8k▲ 63.0%
Net result€40k-€25k▼ 36.7%€-45k€-21k▲ 53.2%€-7k▲ 66.1%
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 stays negative: a loss of €8k in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€293▼ 60.0%
Current assets
€52k▼ 12.2%
Equity and liabilities €52k
Equity
€51k▼ 12.1%
Debt
€926▼ 37.1%
The debt ratio falls from 2.5% to 1.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-8k▲
2024 · €-21k
Cash flow
€-7k▲
2024 · €-20k
Solvency
98.2%▲
2024 · 97.5%
Current ratio
55.93▲
2024 · 40.06
Quick ratio
55.93▲
2024 · 40.06
Debt / equity
0.02▼
2024 · 0.03
ROE
-13.8%▲
2024 · -35.8%
ROA
-13.6%▲
2024 · -34.9%
Interest coverage
-12.73▲
2024 · -35.68
Debt
€926▼
2024 · €1k
Debt ≤ 1 year
€926▼
2024 · €1k
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€60k€52k▼
Fixed assets21/28€733€293▼
Tangible fixed assets22/27€733€293▼
Plant, machinery and equipment23€733€293▼
Current assets29/58€59k€52k▼
Amounts receivable after more than one year29€40k€40k=
Other amounts receivable291€40k€40k=
Amounts receivable within one year40/41€3k€5k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€16k€7k▼
Deferred charges and accrued income490/1€671-
Equity and liabilities
Total equity and liabilities10/49€60k€52k▼
Equity10/15€58k€51k▼
Contributions10/11€44k€44k=
Reserves13€14k€7k▼
Distributable reserves133€14k€7k▼
Amounts payable17/49€1k€926▼
Amounts payable within one year42/48€1k€926▼
Trade debts44€1k€926▼
Suppliers440/4€1k€926▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€440€440=
Other operating charges640/8€2k€699▼
Gross operating margin9900€-20k€-7k▲
Operating profit (loss)9901€-22k€-8k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€600€600=
Recurring financial charges65€600€600=
Profit (loss) for the period before taxes9903€-21k€-7k▲
Profit (loss) for the period9904€-21k€-7k▲
Profit (loss) for the period to be appropriated9905€-21k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-7k▲
Transfer from equity791/2€21k€7k▼
The notes to these accounts (4 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
2025
26-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-45k ▼276%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 45current ratio 98.27
Current ratio from 2.20 to 98.27; short-term debt falls from €102k to €801.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €100kEq €124k ▲25.7%
2 profitable years in a row build equity to €124k.
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity triplescurrent ratio 21.75
Current ratio from 8.64 to 21.75.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Genk · 1 establishment unit since 2017
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.
Dieplaan 713600 GenkGround area
2,581 m²
Building footprint
235 m²
Volume, LiDAR
5,537 m³
Parcel 71016I0832/00A002, Flanders · tallest building 27.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
JEMA PROJECTS
since 20172.269.533.150
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I0832/00A002 | Flanders | 2,580 m² | 1 · 235 m² | 27.9 m · 8 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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IBN CONSTRUCT
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BATIS'UP
BE 0784.747.024
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GROUPE I
BE 0823.163.180
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4D Build
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,381. 5,022 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2017
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.