Jemanama
ActiveJemanama has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €86k. Equity is growing by ~48.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+3
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 2.49 in 2024), and 31.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
68.8%
Return on assets
23.2%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
8 d late
2023
on the day
2022
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€254k▲ 51.0%
2024 · €168k
2022: €76k
2023: €116k
2024: €168k
2022 → 2025
Total assets
€369k▲ 23.1%
2024 · €300k
2022: €200k
2023: €216k
2024: €300k
2022 → 2025
Net result
€86k▲ 65.2%
2024 · €52k
2022: €74k
2023: €40k
2024: €52k
2022 → 2025
Working capital
€162k▲ 88.1%
2024 · €86k
2022: €-36k
2023: €23k
2024: €86k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€76k-€116k▲ 52.0%€168k▲ 44.7%€254k▲ 51.0%
Operating result€91k-€51k▼ 44.0%€68k▲ 32.1%€110k▲ 63.0%
Net result€74k-€40k▼ 46.3%€52k▲ 30.7%€86k▲ 65.2%
Turnover and EBIT margin not published: the 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 63% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€140k▼ 10.1%
Current assets
€228k▲ 59.1%
Equity and liabilities €369k
Equity
€254k▲ 51.0%
Debt
€115k▼ 12.6%
The debt ratio falls from 44.0% to 31.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€126k▲
2024 · €81k
Cash flow
€101k▲
2024 · €66k
Solvency
68.8%▲
2024 · 56.0%
Current ratio
3.41▲
2024 · 2.49
Quick ratio
3.41▲
2024 · 2.49
Debt / equity
0.45▼
2024 · 0.78
ROE
33.8%▲
2024 · 30.9%
ROA
23.2%▲
2024 · 17.3%
Interest coverage
32.86▲
2024 · 28.91
Debt
€115k▼
2024 · €132k
Debt ≤ 1 year
€67k▲
2024 · €58k
Debt > 1 year
€48k▼
2024 · €74k
Income taxes
€27k▲
2024 · €15k
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€300k€369k▲
Fixed assets21/28€156k€140k▼
Tangible fixed assets22/27€156k€140k▼
Land and buildings22€118k€111k▼
Furniture and vehicles24€38k€29k▼
Current assets29/58€144k€228k▲
Amounts receivable within one year40/41€108k€184k▲
Trade receivables40€24k€21k▼
Other amounts receivable41€84k€163k▲
Cash at bank and in hand54/58€32k€37k▲
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€300k€369k▲
Equity10/15€168k€254k▲
Contributions10/11€3k€3k=
Reserves13€165k€251k▲
Distributable reserves133€165k€251k▲
Profit (loss) carried forward14€444€174▼
Amounts payable17/49€132k€115k▼
Amounts payable after more than one year17€74k€48k▼
Financial debts170/4€74k€48k▼
Amounts payable within one year42/48€58k€67k▲
Current portion of amounts payable after more than one year42€26k€26k▼
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€27k€20k▼
Taxes450/3€23k€17k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€95€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€84k€127k▲
Operating profit (loss)9901€68k€110k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€67k€113k▲
Income taxes67/77€15k€27k▲
Profit (loss) for the period9904€52k€86k▲
Profit (loss) for the period to be appropriated9905€52k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€86k▲
Profit (loss) brought forward from the previous period14P€562€444▼
Transfer to equity691/2€52k€86k▲
To other reserves6921€52k€86k▲
The notes to these accounts (9 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €86k ▲65.2%
Operating result €110k, net result €86k, both a record.
30-09
Financial
Equity above €200kEq €254k ▲51%
4 profitable years in a row build equity to €254k.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
30-09
Financial
Equity above €150kEq €168k ▲44.7%
3 profitable years in a row build equity to €168k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €40k ▼46.3%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 1.61
Current ratio from 0.62 to 1.61; short-term debt falls from €94k to €38k.
30-09
Financial
Equity above €100kEq €116k ▲52%
2 profitable years in a row build equity to €116k.
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Marieke Buyck
CurrentDirector · since 01-02-2026
01-02-2026
Appointed as Director
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2021
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.
Kwabrugstraat(Rol) 2188510 KortrijkGround area
472 m²
Parcel 34033C0538/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jemanama
since 20212.314.060.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34033C0538/00N000 | Flanders | 472 m² | - | - |
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
P.T.-PROJECTS
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FINPROBEL
BE 0880.642.016
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L2P
BE 0861.270.423
Ternat · Eq €254k
TRADE2BOOST
BE 0899.337.973
Elsene · Eq €254k
THEUMAX
BE 0722.787.580
Heusden-Zolder · Eq €254k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 38,732 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2021
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.