JEMAR & CO
ActiveSummary
JEMAR & CO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €454k and a net result of €73k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▼-2
Solvency68▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.73 in 2024; short-term debt: 46.6% and cash: 11.6% of total assets), but 56.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Real estate activities (NACE 68)
about 43% 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 2025Solvency, return and age of the figures
Solvency
43.2%
Return on assets
6.9%
Age of the figures
9 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
15 d early
2023
6 d early
2022
17 d early
2021
30 d early
2020
26 d early
2019
29 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€73k▼ 5.2%
2024 · €77k
2018: €-9klowest in 8 years
2019: €2k▲ +121% vs 2018
2020: €166k▲ +8556% vs 2019highest in 8 years
2021: €47k▼ -71.6% vs 2020
2022: €9k▼ -81.2% vs 2021
2023: €3k▼ -66.7% vs 2022
2024: €77k▲ +2503% vs 2023
2025: €73k▼ -5.2% vs 2024
2018 → 2025
Working capital
€400k▲ 29.1%
2024 · €310k
2018: €150k
2019: €14k▼ -90.4% vs 2018lowest in 8 years
2020: €122k▲ +742% vs 2019
2021: €106k▼ -12.9% vs 2020
2022: €55k▼ -47.8% vs 2021
2023: €77k▲ +40.2% vs 2022
2024: €310k▲ +300% vs 2023
2025: €400k▲ +29.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€301k▼ 3.9%€304k▲ 1.0%€381k▲ 25.3%€454k▲ 19.2%
2021: €313k
2022: €301k▼ -3.9% vs 2021lowest in 5 years
2023: €304k▲ +1.0% vs 2022
2024: €381k▲ +25.3% vs 2023
2025: €454k▲ +19.2% vs 2024highest in 5 years
Operating result€58k-€37k▼ 36.1%€30k▼ 18.9%€138k▲ 363%€104k▼ 24.9%
2021: €58k
2022: €37k▼ -36.1% vs 2021
2023: €30k▼ -18.9% vs 2022lowest in 5 years
2024: €138k▲ +363% vs 2023highest in 5 years
2025: €104k▼ -24.9% vs 2024
Net result€47k-€9k▼ 81.2%€3k▼ 66.7%€77k▲ 2,503%€73k▼ 5.2%
2021: €47k
2022: €9k▼ -81.2% vs 2021
2023: €3k▼ -66.7% vs 2022lowest in 5 years
2024: €77k▲ +2503% vs 2023highest in 5 years
2025: €73k▼ -5.2% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€162k ▼ 24.6%
Current assets
€890k ▲ 21.8%
Equity and liabilities €1.05M
Equity
€454k ▲ 19.2%
Debt
€598k ▲ 5.8%
Debt's share of the balance-sheet total falls from 59.7% to 56.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€164k▼
2024 · €201k
Cash flow
€133k▼
2024 · €140k
Current ratio
1.82▲
2024 · 1.73
Debt to equity
1.32▼
2024 · 1.48
ROE
16.1%▼
2024 · 20.2%
ROA
6.9%▼
2024 · 8.1%
Interest coverage
18.42▲
2024 · 15.72
Debt ≤ 1 year
€490k▲
2024 · €421k
Debt > 1 year
€80k▼
2024 · €120k
Income taxes
€46k▼
2024 · €53k
Staff costs
€485k▲
2024 · €471k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€946k€1.05M▲
Fixed assets21/28€215k€162k▼
Tangible fixed assets22/27€215k€162k▼
Land and buildings22€158k€136k▼
Plant, machinery and equipment23€178€770▲
Furniture and vehicles24€57k€25k▼
Current assets29/58€731k€890k▲
Amounts receivable after more than one year29€210k€310k▲
Other amounts receivable291€210k€310k▲
Amounts receivable within one year40/41€332k€452k▲
Trade receivables40€149k€276k▲
Other amounts receivable41€183k€176k▼
Current investments50/53€65k€0▼
Cash at bank and in hand54/58€113k€122k▲
Deferred charges and accrued income490/1€11k€7k▼
Equity and liabilities
Total equity and liabilities10/49€946k€1.05M▲
Equity10/15€381k€454k▲
Contributions10/11€123k€123k=
Capital10€123k€123k=
Issued capital100€123k€123k=
Reserves13€258k€331k▲
Non-distributable reserves130/1€12k€12k=
Legal reserve130€5k€5k=
Reserves not available under the articles1311€7k€7k=
Distributable reserves133€246k€319k▲
Amounts payable17/49€565k€598k▲
Amounts payable after more than one year17€120k€80k▼
Financial debts170/4€120k€80k▼
Amounts payable within one year42/48€421k€490k▲
Current portion of amounts payable after more than one year42€62k€45k▼
Financial debts43€123k€149k▲
Credit institutions430/8€123k€149k▲
Other loans439€0-
Trade debts44€91k€117k▲
Suppliers440/4€91k€117k▲
Taxes, remuneration and social security45€129k€137k▲
Taxes450/3€80k€66k▼
Remuneration and social security454/9€49k€71k▲
Other amounts payable47/48€16k€41k▲
Accrued charges and deferred income492/3€24k€28k▲
Income statement
Code20242025
Non-recurring operating income76A€26k€1k▼
Remuneration, social security and pensions62€471k€485k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€60k▼
Other operating charges640/8€9k€7k▼
Gross operating margin9900€681k€655k▼
Operating profit (loss)9901€138k€104k▼
Financial income75/76B€5k€24k▲
Recurring financial income75€5k€24k▲
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€130k€119k▼
Income taxes67/77€53k€46k▼
Profit (loss) for the period9904€77k€73k▼
Profit (loss) for the period to be appropriated9905€77k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€73k▼
Transfer to equity691/2€77k€73k▼
To other reserves6921€77k€73k▼
Social balance
Average headcount (FTE)90876.36.2▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | €1k | €97k | €26k | €1k | ▼ 96.0% |
| Remuneration, social security and pensions62 | €463k | €463k | €433k | €471k | €485k | ▲ 2.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €74k | €81k | €67k | €63k | €60k | ▼ 4.3% |
| Other operating charges640/8 | €10k | €6k | €8k | €9k | €7k | ▼ 28.1% |
| Gross operating margin9900 | €604k | €587k | €538k | €681k | €655k | ▼ 3.8% |
| Operating profit (loss)9901 | €58k | €37k | €30k | €138k | €104k | ▼ 24.9% |
| Financial income75/76B | €32k | €2k | €2k | €5k | €24k | ▲ 409% |
| Recurring financial income75 | €2k | €2k | €2k | €5k | €24k | ▲ 409% |
| Non-recurring financial income76B | €30k | €0 | - | - | - | - |
| Financial charges65/66B | €13k | €11k | €10k | €13k | €9k | ▼ 30.4% |
| Recurring financial charges65 | €13k | €11k | €10k | €13k | €9k | ▼ 30.4% |
| Profit (loss) for the period before taxes9903 | €77k | €28k | €21k | €130k | €119k | ▼ 8.3% |
| Income taxes67/77 | €29k | €19k | €18k | €53k | €46k | ▼ 12.9% |
| Profit (loss) for the period9904 | €47k | €9k | €3k | €77k | €73k | ▼ 5.2% |
| Transfer from tax-exempt reserves789 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €47k | €9k | €3k | €77k | €73k | ▼ 5.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.08M | €1.02M | €1.13M | €946k | €1.05M | ▲ 11.2% |
| Fixed assets21/28 | €503k | €495k | €402k | €215k | €162k | ▼ 24.6% |
| Tangible fixed assets22/27 | €503k | €494k | €402k | €215k | €162k | ▼ 24.6% |
| Land and buildings22 | €389k | €372k | €321k | €158k | €136k | ▼ 14.1% |
| Plant, machinery and equipment23 | €2k | €2k | €723 | €178 | €770 | ▲ 333% |
| Furniture and vehicles24 | €112k | €120k | €81k | €57k | €25k | ▼ 55.2% |
| Financial fixed assets28 | €0 | €1k | €0 | - | - | - |
| Current assets29/58 | €575k | €522k | €727k | €731k | €890k | ▲ 21.8% |
| Amounts receivable after more than one year29 | - | - | - | €210k | €310k | ▲ 47.6% |
| Other amounts receivable291 | - | - | - | €210k | €310k | ▲ 47.6% |
| Amounts receivable within one year40/41 | €523k | €362k | €372k | €332k | €452k | ▲ 36.2% |
| Trade receivables40 | €430k | €268k | €211k | €149k | €276k | ▲ 85.5% |
| Other amounts receivable41 | €93k | €94k | €161k | €183k | €176k | ▼ 3.9% |
| Current investments50/53 | - | €42k | €63k | €65k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €23k | €85k | €266k | €113k | €122k | ▲ 7.5% |
| Deferred charges and accrued income490/1 | €28k | €33k | €26k | €11k | €7k | ▼ 42.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.08M | €1.02M | €1.13M | €946k | €1.05M | ▲ 11.2% |
| Equity10/15 | €313k | €301k | €304k | €381k | €454k | ▲ 19.2% |
| Contributions10/11 | €123k | €123k | €123k | €123k | €123k | = |
| Capital10 | €123k | €123k | €123k | €123k | €123k | = |
| Issued capital100 | €123k | €123k | €123k | €123k | €123k | = |
| Reserves13 | €191k | €178k | €181k | €258k | €331k | ▲ 28.3% |
| Non-distributable reserves130/1 | €12k | €12k | €12k | €12k | €12k | = |
| Legal reserve130 | €12k | €12k | €12k | €5k | €5k | = |
| Reserves not available under the articles1311 | - | - | - | €7k | €7k | = |
| Distributable reserves133 | €178k | €166k | €169k | €246k | €319k | ▲ 29.7% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - | - | - |
| Amounts payable17/49 | €764k | €716k | €825k | €565k | €598k | ▲ 5.8% |
| Amounts payable after more than one year17 | €262k | €217k | €143k | €120k | €80k | ▼ 33.1% |
| Financial debts170/4 | €262k | €217k | €143k | €120k | €80k | ▼ 33.1% |
| Amounts payable within one year42/48 | €469k | €467k | €649k | €421k | €490k | ▲ 16.3% |
| Current portion of amounts payable after more than one year42 | €78k | €85k | €74k | €62k | €45k | ▼ 28.2% |
| Financial debts43 | €182k | €188k | €185k | €123k | €149k | ▲ 21.7% |
| Credit institutions430/8 | €91k | €113k | €120k | €123k | €149k | ▲ 21.7% |
| Other loans439 | €92k | €75k | €65k | €0 | - | - |
| Trade debts44 | €44k | €54k | €235k | €91k | €117k | ▲ 28.9% |
| Suppliers440/4 | €44k | €54k | €235k | €91k | €117k | ▲ 28.9% |
| Taxes, remuneration and social security45 | €159k | €114k | €109k | €129k | €137k | ▲ 6.3% |
| Taxes450/3 | €83k | €39k | €43k | €80k | €66k | ▼ 17.6% |
| Remuneration and social security454/9 | €76k | €74k | €66k | €49k | €71k | ▲ 45.7% |
| Other amounts payable47/48 | €6k | €26k | €46k | €16k | €41k | ▲ 159% |
| Accrued charges and deferred income492/3 | €33k | €31k | €33k | €24k | €28k | ▲ 16.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47k | €9k | €3k | €77k | €73k | ▼ 5.2% |
| + Depreciation and write-downs630 | €74k | €81k | €67k | €63k | €60k | ▼ 4.3% |
| Operating cash flow (approximation) | €121k | €90k | €70k | €140k | €133k | ▼ 4.8% |
| Investment in fixed assets (approximation) | - | €-73k | €25k | €124k | €-7k | ▼ 106% |
| Change in cash | - | €62k | €181k | €-153k | €9k | ▲ 106% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €166k ▲8,556%
Operating result €246k, net result €166k, both a record.
31-12
Financial
Equity above €200kEq €355k ▲88.3%
2 profitable years in a row build equity to €355k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Maasmechelen · 1 establishment unit since 2003
Ground area
1,014 m²
Building footprint
220 m²
Volume, LiDAR
1,198 m³
Parcel 73048C0720/00C002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joseph Smeetslaan(M) 36, 3630 Maasmechelen
since 20032.131.623.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73048C0720/00C002 | Flanders | 1,014 m² | 1 · 220 m² | 10.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 852 EUR awarded · 852 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 852 EUR | 852 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
894500MPG1UO2XC1AI18
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 4,684 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded10-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC-1-9-00831/14.05)
Business parks
2 parksOffers a parcel on business park:Geïntegreerd stedelijk project N78
Offers a parcel on business park:Oude Bunders