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Private limited companyfounded 20224 yrs activeRue de la Wallonie 3, 6200 Châtelet, BelgiumKBO/BCE: BE 0786.419.580
Summary

JEMIC 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 €2.8m and a net result of -€81,262. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 43% of 5585 sector peers (fiscal year 2025). The company has been active since 2022 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.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
28 d late
2024
5 d late
2023
33 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average on the deadline day; 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. Usually files around 5 August (3 of the last 3 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 20 May 2022, JEMIC was incorporated as a Private limited company.1 Total assets went from EUR 6.8 million in 2023 to EUR 6.5 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€2.8m▼ 2.8%
2024 · €2.9m
Net result
-€81,262▼ 447%
2024 · -€14,858
Total assets
€6.5m▼ 0.1%
2024 · €6.5m
Solvency
43.3%▼ 1.2pp
2024 · 44.5%
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
Line202320242025
Operating result-€26,043--€4,272▲ 83.6%-€1,828▲ 57.2%
Net result€1.9mabove the sector's middle half--€14,858below the sector's middle half-€81,262below the sector's middle half▼ 447%
Equity€2.9mwithin the sector's middle half-€2.9mwithin the sector's middle half▼ 0.5%€2.8mabove the sector's middle half▼ 2.8%
Total assets€6.8mwithin the sector's middle half-€6.5mwithin the sector's middle half▼ 3.6%€6.5mabove the sector's middle half▼ 0.1%
Debt€3.9m-€3.6m▼ 6.0%€3.7m▲ 2.0%
Working capital-€1.2mbelow the sector's middle half--€1.4mbelow the sector's middle half▼ 23.1%-€1.9mbelow the sector's middle half▼ 29.8%
Solvency43.1%within the sector's middle half-44.5%within the sector's middle half▲ 1.4pp43.3%within the sector's middle half▼ 1.2pp
Current ratio0.00below the sector's middle half-0.01below the sector's middle half=0.00below the sector's middle half▼ 0.01
Return on assets (ROA)28.3%above the sector's middle half--0.2%below the sector's middle half▼ 28.5pp-1.2%below the sector's middle half▼ 1.0pp
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.
Result per fiscal year
Operating resultNet result
-€1.0m€0€1.0m€2.0mOperating result 2023: -€26,043-€26,043Net result 2023: €1.9m€1.9mOperating result 2024: -€4,272-€4,272Net result 2024: -€14,858-€14,858Operating result 2025: -€1,828-€1,828Net result 2025: -€81,262-€81,262202320242025-€1m€0€1m€2mOperating result 2023: -€26,043-€26,000Net result 2023: €1.9m€1.9mOperating result 2024: -€4,272-€4,270Net result 2024: -€14,858-€14,900Operating result 2025: -€1,828-€1,830Net result 2025: -€81,262-€81,300202320242025
The operating result stays negative: a loss of €1,828 in 2025 against €4,272 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.5m
Fixed assets €6.5m =
Current assets €2,095 ▼ 79.3%
Equity and liabilities €6.5m
Equity €2.8m ▼ 2.8%
Debt €3.7m ▲ 2.0%
Debt's share of the balance-sheet total rises from 55.5% to 56.7%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
ROE
-2.9%▼
2024 · -0.5%
Debt ≤ 1 year
€1.9m▲
2024 · €1.5m
Debt > 1 year
€1.8m▼
2024 · €2.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€6.5m€6.5m▼
Fixed assets21/28€6.5m€6.5m=
Financial fixed assets28€6.5m€6.5m=
Current assets29/58€10,122€2,095▼
Amounts receivable within one year40/41€5,097€360▼
Trade receivables40-€252
Other amounts receivable41€5,097€108▼
Cash at bank and in hand54/58€5,025€1,735▼
Equity and liabilities
Total equity and liabilities10/49€6.5m€6.5m▼
Equity10/15€2.9m€2.8m▼
Contributions10/11€1.0m€1.0m=
Profit (loss) carried forward14€1.9m€1.8m▼
Amounts payable17/49€3.6m€3.7m▲
Amounts payable after more than one year17€2.2m€1.8m▼
Financial debts170/4€2.2m€1.8m▼
Amounts payable within one year42/48€1.5m€1.9m▲
Current portion of amounts payable after more than one year42€363,220€372,732▲
Trade debts44€24,984€25,821▲
Suppliers440/4€24,984€25,821▲
Other amounts payable47/48€1.1m€1.5m▲
Accrued charges and deferred income492/3€5,939€4,927▼
Income statement Code20242025
Other operating charges640/8€766€1,017▲
Gross operating margin9900-€3,506-€811▲
Operating profit (loss)9901-€4,272-€1,828▲
Financial income75/76B€105,000€0▼
Recurring financial income75€105,000€0▼
Financial charges65/66B€115,586€79,434▼
Recurring financial charges65€115,586€79,434▼
Profit (loss) for the period before taxes9903-€14,858-€81,262▼
Profit (loss) for the period9904-€14,858-€81,262▼
Profit (loss) for the period to be appropriated9905-€14,858-€81,262▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.9m€1.8m▼
Profit (loss) brought forward from the previous period14P€1.9m€1.9m▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,470---
Other operating charges640/8€538€766€1,017▲ 32.8%
Gross operating margin9900-€22,035-€3,506-€811▲ 76.9%
Operating profit (loss)9901-€26,043-€4,272-€1,828▲ 57.2%
Financial income75/76B€2.1m€105,000€0▼ 100%
Recurring financial income75€2.1m€105,000€0▼ 100%
Financial charges65/66B€148,624€115,586€79,434▼ 31.3%
Recurring financial charges65€148,624€115,586€79,434▼ 31.3%
Profit (loss) for the period before taxes9903€1.9m-€14,858-€81,262▼ 447%
Profit (loss) for the period9904€1.9m-€14,858-€81,262▼ 447%
Profit (loss) for the period to be appropriated9905€1.9m-€14,858-€81,262▼ 447%
Line202320242025Change
Assets
Total assets20/58€6.8m€6.5m€6.5m▼ 0.1%
Fixed assets21/28€6.8m€6.5m€6.5m=
Financial fixed assets28€6.8m€6.5m€6.5m=
Current assets29/58€5,212€10,122€2,095▼ 79.3%
Amounts receivable within one year40/41€180€5,097€360▼ 92.9%
Trade receivables40--€252-
Other amounts receivable41€180€5,097€108▼ 97.9%
Cash at bank and in hand54/58€5,032€5,025€1,735▼ 65.5%
Equity and liabilities
Total equity and liabilities10/49€6.8m€6.5m€6.5m▼ 0.1%
Equity10/15€2.9m€2.9m€2.8m▼ 2.8%
Contributions10/11€1.0m€1.0m€1.0m=
Profit (loss) carried forward14€1.9m€1.9m€1.8m▼ 4.3%
Amounts payable17/49€3.9m€3.6m€3.7m▲ 2.0%
Amounts payable after more than one year17€2.7m€2.2m€1.8m▼ 16.0%
Financial debts170/4€2.4m€2.2m€1.8m▼ 16.0%
Other amounts payable178/9€250,000---
Amounts payable within one year42/48€1.2m€1.5m€1.9m▲ 29.1%
Current portion of amounts payable after more than one year42€421,470€363,220€372,732▲ 2.6%
Trade debts44€24,298€24,984€25,821▲ 3.4%
Suppliers440/4€24,298€24,984€25,821▲ 3.4%
Other amounts payable47/48€730,260€1.1m€1.5m▲ 38.7%
Accrued charges and deferred income492/3€7,290€5,939€4,927▼ 17.0%
Line202320242025Change
Profit (loss) for the period9904€1.9m-€14,858-€81,262▼ 447%
+ Depreciation and write-downs630€3,470---
Operating cash flow (approximation)€1.9m-€14,858-€81,262▼ 447%
Investment in fixed assets (approximation)-€250,000-€0▼ 100%
Change in cash--€7-€3,290▼ 46,896%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial Weakest financial yearnet -€81,262
Net result drops to -€81,262, the lowest in the series.
05-08
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 5 days late
2024
28-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
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, Châtelet · 1 establishment unit since 2022
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.

Rue de la Wallonie 36200 Châtelet
1 establishment unit
Rue de la Wallonie 3, 6200 Châtelet
Agents in non-specialised wholesale trade
since 20222.332.689.355

Structure & network

Owners and holdings

2 holdings · 8 subsidiaries in the tree

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 2

All subsidiaries, including indirect ones 8

Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.

According to the 2025 annual accounts of JEMIC and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,879 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
Founded20-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0786419580
Also 9925:BE0786419580
Registered 02-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.