JEMASOFT
ActiveSummary
JEMASOFT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138,232 and a net result of €41,019. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+3
Solvency91▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 4.07 against 3.02 in 2024; short-term debt: 17.8% and cash: 60.9% of total assets), and 33.8% of the assets are financed with debt.
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Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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
66.2%
Return on assets
19.6%
Age of the figures
15 mo
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 09-12-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
52 d early
2023
50 d early
2022
47 d early
2021
102 d early
2020
9 d early
2019
21 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 48 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€138,232▲ 42.2%
2024 · €97,213
Total assets
€208,773▲ 14.9%
2024 · €181,728
Net result
€41,019▲ 29.8%
2024 · €31,608
Working capital
€113,774▲ 50.4%
2024 · €75,642
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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€31,016▼ 52.1%€16,654▼ 46.3%€31,202▲ 87.4%€55,380▲ 77.5%€67,422▲ 21.7%
Net result€17,263within the sector's middle half▼ 60.6%€835below the sector's middle half▼ 95.2%€17,932within the sector's middle half▲ 2,047%€31,608within the sector's middle half▲ 76.3%€41,019within the sector's middle half▲ 29.8%
Equity€46,838within the sector's middle half▼ 2.8%€47,673within the sector's middle half▲ 1.8%€65,605within the sector's middle half▲ 37.6%€97,213within the sector's middle half▲ 48.2%€138,232within the sector's middle half▲ 42.2%
Total assets€157,260within the sector's middle half▼ 19.7%€136,118within the sector's middle half▼ 13.4%€127,667within the sector's middle half▼ 6.2%€181,728within the sector's middle half▲ 42.3%€208,773within the sector's middle half▲ 14.9%
Debt€110,422▼ 25.2%€88,444▼ 19.9%€62,062▼ 29.8%€84,515▲ 36.2%€70,541▼ 16.5%
Working capital€24,018within the sector's middle half▼ 28.5%€25,167within the sector's middle half▲ 4.8%€48,693within the sector's middle half▲ 93.5%€75,642within the sector's middle half▲ 55.3%€113,774within the sector's middle half▲ 50.4%
Solvency29.8%below the sector's middle half▲ 5.2pp35.0%within the sector's middle half▲ 5.2pp51.4%within the sector's middle half▲ 16.4pp53.5%within the sector's middle half▲ 2.1pp66.2%within the sector's middle half▲ 12.7pp
Current ratio1.48within the sector's middle half▼ 0.011.65within the sector's middle half▲ 0.173.30within the sector's middle half▲ 1.653.02within the sector's middle half▼ 0.284.07within the sector's middle half▲ 1.04
Return on assets (ROA)11.0%within the sector's middle half▼ 11.4pp0.6%below the sector's middle half▼ 10.4pp14.0%within the sector's middle half▲ 13.4pp17.4%within the sector's middle half▲ 3.3pp19.6%within the sector's middle half▲ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208,773
Fixed assets
€57,887 ▼ 15.8%
Current assets
€150,886 ▲ 33.5%
Equity and liabilities €208,773
Equity
€138,232 ▲ 42.2%
Debt
€70,541 ▼ 16.5%
Debt's share of the balance-sheet total falls from 46.5% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€87,392▲
2024 · €73,023
Cash flow
€60,989▲
2024 · €49,251
Debt to equity
0.51▼
2024 · 0.87
ROE
29.7%▼
2024 · 32.5%
Interest coverage
27.29▲
2024 · 16.01
Debt ≤ 1 year
€37,113▼
2024 · €37,372
Debt > 1 year
€30,928▼
2024 · €44,643
Income taxes
€23,201▲
2024 · €19,211
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
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 31,370 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,141 | €14,971 | €14,439 | €17,643 | €19,970 | ▲ 13.2% |
| Other operating charges640/8 | - | €2,459 | €2,135 | €2,638 | €2,750 | ▲ 4.2% |
| Gross operating margin9900 | €47,652 | €34,083 | €47,776 | €75,661 | €90,142 | ▲ 19.1% |
| Operating profit (loss)9901 | €31,016 | €16,654 | €31,202 | €55,380 | €67,422 | ▲ 21.7% |
| Financial income75/76B | - | €1 | - | €0 | €0 | ▲ 200% |
| Recurring financial income75 | €1 | €1 | - | €0 | €0 | ▲ 200% |
| Financial charges65/66B | - | €3,852 | €3,322 | €4,560 | €3,203 | ▼ 29.8% |
| Recurring financial charges65 | €4,870 | €3,852 | €3,322 | €4,560 | €3,203 | ▼ 29.8% |
| Profit (loss) for the period before taxes9903 | €26,147 | €12,803 | €27,880 | €50,820 | €64,219 | ▲ 26.4% |
| Income taxes67/77 | €8,884 | €11,968 | €9,948 | €19,211 | €23,201 | ▲ 20.8% |
| Profit (loss) for the period9904 | €17,263 | €835 | €17,932 | €31,608 | €41,019 | ▲ 29.8% |
| Transfer from tax-exempt reserves789 | - | €28,750 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €17,263 | €29,585 | €17,932 | €31,608 | €41,019 | ▲ 29.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €157,260 | €136,118 | €127,667 | €181,728 | €208,773 | ▲ 14.9% |
| Fixed assets21/28 | €82,973 | €72,244 | €57,805 | €68,714 | €57,887 | ▼ 15.8% |
| Tangible fixed assets22/27 | €82,973 | €72,244 | €57,805 | €68,714 | €57,887 | ▼ 15.8% |
| Land and buildings22 | - | €40,962 | €34,135 | €27,308 | €20,481 | ▼ 25.0% |
| Furniture and vehicles24 | - | €6,937 | €3,204 | €24,725 | €24,510 | ▼ 0.9% |
| Other tangible fixed assets26 | - | €24,345 | €20,466 | €16,681 | €12,896 | ▼ 22.7% |
| Current assets29/58 | €74,287 | €63,873 | €69,862 | €113,014 | €150,886 | ▲ 33.5% |
| Amounts receivable within one year40/41 | €26,947 | €55,716 | €27,109 | €26,476 | €18,521 | ▼ 30.0% |
| Trade receivables40 | - | €55,707 | €27,109 | €26,476 | €18,521 | ▼ 30.0% |
| Other amounts receivable41 | - | €9 | - | - | - | - |
| Cash at bank and in hand54/58 | €42,098 | €3,172 | €37,961 | €81,514 | €127,241 | ▲ 56.1% |
| Deferred charges and accrued income490/1 | - | €4,985 | €4,792 | €5,024 | €5,124 | ▲ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €157,260 | €136,118 | €127,667 | €181,728 | €208,773 | ▲ 14.9% |
| Equity10/15 | €46,838 | €47,673 | €65,605 | €97,213 | €138,232 | ▲ 42.2% |
| Reserves13 | €48,550 | €47,673 | €65,605 | €97,213 | €138,232 | ▲ 42.2% |
| Distributable reserves133 | - | €47,673 | €65,605 | €97,213 | €138,232 | ▲ 42.2% |
| Profit (loss) carried forward14 | -€1,712 | - | - | - | - | - |
| Amounts payable17/49 | €110,422 | €88,444 | €62,062 | €84,515 | €70,541 | ▼ 16.5% |
| Amounts payable after more than one year17 | €60,152 | €49,738 | €40,893 | €44,643 | €30,928 | ▼ 30.7% |
| Financial debts170/4 | - | €49,738 | €40,893 | €44,643 | €30,928 | ▼ 30.7% |
| Amounts payable within one year42/48 | €50,270 | €38,707 | €21,169 | €37,372 | €37,113 | ▼ 0.7% |
| Current portion of amounts payable after more than one year42 | - | €10,414 | €8,144 | €13,093 | €13,715 | ▲ 4.8% |
| Financial debts43 | - | €3,362 | €2,039 | €8,093 | €6,773 | ▼ 16.3% |
| Credit institutions430/8 | - | €3,362 | €2,039 | €8,093 | €6,773 | ▼ 16.3% |
| Trade debts44 | €19,299 | €14,130 | €659 | €6,013 | €7,684 | ▲ 27.8% |
| Suppliers440/4 | - | €14,130 | €659 | €6,013 | €7,684 | ▲ 27.8% |
| Taxes, remuneration and social security45 | - | €10,800 | €8,109 | €9,908 | €8,800 | ▼ 11.2% |
| Taxes450/3 | - | €10,800 | €8,109 | €9,908 | €8,800 | ▼ 11.2% |
| Other amounts payable47/48 | - | - | €2,219 | €265 | €141 | ▼ 46.7% |
| Accrued charges and deferred income492/3 | - | - | - | €2,500 | €2,500 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,263 | €835 | €17,932 | €31,608 | €41,019 | ▲ 29.8% |
| + Depreciation and write-downs630 | €14,141 | €14,971 | €14,439 | €17,643 | €19,970 | ▲ 13.2% |
| Operating cash flow (approximation) | €31,404 | €15,806 | €32,371 | €49,251 | €60,989 | ▲ 23.8% |
| Investment in fixed assets (approximation) | - | -€4,242 | €0 | -€28,552 | -€9,142 | ▲ 68.0% |
| Change in cash | - | -€38,927 | €34,789 | €43,553 | €45,727 | ▲ 5.0% |
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
04-09
State Gazette act
Appointment: Kathleen Feremans (non-statutory director)Power of attorney3 facts ▸
State Gazette act
Appointment: Kathleen Feremans (non-statutory director)
Power of attorney3 facts ▸
- General meeting, 29-06-2026
- Director appointment, Kathleen Feremans (non-statutory director)
- Power of attorney, BV Rens Accountants
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Equity above €100,000Eq €138,232 ▲42.2%
7 profitable years in a row build equity to €138,232.
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €835 ▼95.2%
Net result drops to €835, the lowest in the series; recovery starts the following year.
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €43,763 ▲158%
Net result €43,763, the highest in the series.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Kathleen Feremans
CurrentNon-statutory director · since 01-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2004
Ground area
2,390 m²
Building footprint
204 m²
Volume, LiDAR
1,202 m³
Parcel 12012C0360/00K000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEMASOFT
since 20042.135.914.660
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12012C0360/00K000 | Flanders | 2,390 m² | 1 · 204 m² | 10.1 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.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Kathleen Feremans |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 6,903 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
Founded03-02-2004
Fiscal year end30-06
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
58290Other software publishing
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Contact
Phone
015 27 23 71
E-invoicing
Reachable via Peppol
Peppol ID
0208:0863170534
Registered
09-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.