JEMLO
ActiveSummary
JEMLO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €4k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 12% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▲+14
Solvency31▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.07 in 2024; short-term debt: 63.3% and cash: 0.1% of total assets), and 94.3% 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+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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
5.7%
Return on assets
0.3%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 8692 sector peers (2025).
NBB · sector comparisonPosition among 8692 sector peers
Solvency
better than 12%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
13 d late
2022
on the day
2021
29 d late
2020
31 d late
2019
27 d late
← 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, abbreviated schema
Equity
€70k▲ 5.6%
2024 · €67k
2018: €61k
2019: €45k▼ -26.1% vs 2018
2021: €22klowest value
2022: €46k▲ +104% vs 2021
2023: €58k▲ +27.4% vs 2022
2024: €67k▲ +14.0% vs 2023
2025: €70k▲ +5.6% vs 2024highest value
2018 → 2025
Total assets
€1.23M▼ 2.7%
2024 · €1.26M
2018: €623klowest value
2019: €1.10M▲ +76.7% vs 2018
2021: €854k
2022: €954k▲ +11.8% vs 2021
2023: €953k▼ -0.2% vs 2022
2024: €1.26M▲ +32.8% vs 2023highest value
2025: €1.23M▼ -2.7% vs 2024
2018 → 2025
Net result
€4k▼ 54.1%
2024 · €8k
2018: €6k
2019: €-16k▼ -354% vs 2018lowest value
2021: €-15k
2022: €12k▲ +183% vs 2021
2023: €13k▲ +3.0% vs 2022highest value
2024: €8k▼ -34.7% vs 2023
2025: €4k▼ -54.1% vs 2024
2018 → 2025
Working capital
€-734k▼ 0.3%
2024 · €-732k
2018: €-532khighest value
2019: €-794k▼ -49.1% vs 2018lowest value
2021: €-578k
2022: €-606k▼ -4.9% vs 2021
2023: €-589k▲ +2.8% vs 2022
2024: €-732k▼ -24.2% vs 2023
2025: €-734k▼ -0.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€46k▲ 104%€58k▲ 27.4%€67k▲ 14.0%€70k▲ 5.6%
2021: €22klowest in 5 years
2022: €46k▲ +104% vs 2021
2023: €58k▲ +27.4% vs 2022
2024: €67k▲ +14.0% vs 2023
2025: €70k▲ +5.6% vs 2024highest in 5 years
Operating result€-7k-€18k€18k▲ 0.4%€48k▲ 162%€28k▼ 41.7%
2021: €-7klowest in 5 years
2022: €18k▲ +368% vs 2021
2023: €18k▲ +0.4% vs 2022
2024: €48k▲ +162% vs 2023highest in 5 years
2025: €28k▼ -41.7% vs 2024
Net result€-15k-€12k€13k▲ 3.0%€8k▼ 34.7%€4k▼ 54.1%
2021: €-15klowest in 5 years
2022: €12k▲ +183% vs 2021
2023: €13k▲ +3.0% vs 2022highest in 5 years
2024: €8k▼ -34.7% vs 2023
2025: €4k▼ -54.1% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€1.19M ▼ 2.2%
Current assets
€45k ▼ 13.7%
Equity and liabilities €1.23M
Equity
€70k ▲ 5.6%
Debt
€1.16M ▼ 3.2%
Debt's share of the balance-sheet total falls from 94.7% to 94.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▲
2024 · €69k
Cash flow
€58k▲
2024 · €29k
Current ratio
0.06▼
2024 · 0.07
Debt to equity
16.50▼
2024 · 18.01
ROE
5.3%▼
2024 · 12.3%
ROA
0.3%▼
2024 · 0.6%
Interest coverage
3.44▲
2024 · 1.75
Debt ≤ 1 year
€779k▼
2024 · €784k
Debt > 1 year
€379k▼
2024 · €413k
Income taxes
€361▲
2024 · €228
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.26M€1.23M▼
Fixed assets21/28€1.21M€1.19M▼
Tangible fixed assets22/27€509k€482k▼
Land and buildings22€495k€468k▼
Plant, machinery and equipment23€277-
Other tangible fixed assets26€14k€13k▼
Financial fixed assets28€704k€704k=
Current assets29/58€52k€45k▼
Amounts receivable within one year40/41-€1k
Trade receivables40-€1k
Current investments50/53€12k€12k=
Cash at bank and in hand54/58€5k€877▼
Deferred charges and accrued income490/1€35k€31k▼
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.23M▼
Equity10/15€67k€70k▲
Contributions10/11€19k€19k=
Reserves13€48k€51k▲
Distributable reserves133€48k€51k▲
Profit (loss) carried forward14€452€462▲
Amounts payable17/49€1.20M€1.16M▼
Amounts payable after more than one year17€413k€379k▼
Financial debts170/4€413k€379k▼
Amounts payable within one year42/48€784k€779k▼
Current portion of amounts payable after more than one year42€34k€34k▼
Financial debts43€301k€285k▼
Credit institutions430/8€301k€285k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Other amounts payable47/48€431k€445k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€54k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€72k€86k▲
Operating profit (loss)9901€48k€28k▼
Financial income75/76B€2€48▲
Recurring financial income75€2€48▲
Financial charges65/66B€39k€24k▼
Recurring financial charges65€39k€24k▼
Profit (loss) for the period before taxes9903€8k€4k▼
Income taxes67/77€228€361▲
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€452€4k▲
Profit (loss) brought forward from the previous period14P€-8k€452▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (13 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €8k | €8k | €21k | €54k | ▲ 158% |
| Other operating charges640/8 | €1k | €1k | €340 | €3k | €3k | ▼ 24.9% |
| Non-recurring operating charges66A | - | €5k | - | - | €2k | - |
| Gross operating margin9900 | €10k | €33k | €27k | €72k | €86k | ▲ 19.0% |
| Operating profit (loss)9901 | €-7k | €18k | €18k | €48k | €28k | ▼ 41.7% |
| Financial income75/76B | - | - | - | €2 | €48 | ▲ 2,025% |
| Recurring financial income75 | - | - | - | €2 | €48 | ▲ 2,025% |
| Financial charges65/66B | €8k | €6k | €5k | €39k | €24k | ▼ 39.6% |
| Recurring financial charges65 | €8k | €6k | €5k | €39k | €24k | ▼ 39.6% |
| Profit (loss) for the period before taxes9903 | €-14k | €12k | €13k | €8k | €4k | ▼ 51.1% |
| Income taxes67/77 | €141 | €26 | €216 | €228 | €361 | ▲ 58.0% |
| Profit (loss) for the period9904 | €-15k | €12k | €13k | €8k | €4k | ▼ 54.1% |
| Profit (loss) for the period to be appropriated9905 | €-15k | €12k | €13k | €8k | €4k | ▼ 54.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €854k | €954k | €953k | €1.26M | €1.23M | ▼ 2.7% |
| Fixed assets21/28 | €838k | €868k | €860k | €1.21M | €1.19M | ▼ 2.2% |
| Tangible fixed assets22/27 | €198k | €164k | €156k | €509k | €482k | ▼ 5.3% |
| Land and buildings22 | €167k | €160k | €153k | €495k | €468k | ▼ 5.3% |
| Plant, machinery and equipment23 | €1k | €873 | €575 | €277 | - | - |
| Furniture and vehicles24 | €26k | - | - | - | - | - |
| Other tangible fixed assets26 | €5k | €4k | €3k | €14k | €13k | ▼ 2.7% |
| Financial fixed assets28 | €640k | €704k | €704k | €704k | €704k | = |
| Current assets29/58 | €16k | €86k | €93k | €52k | €45k | ▼ 13.7% |
| Amounts receivable within one year40/41 | €3k | €73k | €69k | - | €1k | - |
| Trade receivables40 | - | - | - | - | €1k | - |
| Other amounts receivable41 | €3k | €73k | €69k | - | - | - |
| Current investments50/53 | €12k | €12k | €19k | €12k | €12k | = |
| Cash at bank and in hand54/58 | €358 | €647 | €5k | €5k | €877 | ▼ 81.8% |
| Deferred charges and accrued income490/1 | - | €52 | - | €35k | €31k | ▼ 12.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €854k | €954k | €953k | €1.26M | €1.23M | ▼ 2.7% |
| Equity10/15 | €22k | €46k | €58k | €67k | €70k | ▲ 5.6% |
| Contributions10/11 | €7k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €57k | €49k | €48k | €48k | €51k | ▲ 7.9% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | - | - | - | - |
| Other1319 | €2k | - | - | - | - | - |
| Distributable reserves133 | €55k | €48k | €48k | €48k | €51k | ▲ 7.9% |
| Profit (loss) carried forward14 | €-42k | €-22k | €-8k | €452 | €462 | ▲ 2.0% |
| Amounts payable17/49 | €831k | €908k | €894k | €1.20M | €1.16M | ▼ 3.2% |
| Amounts payable after more than one year17 | €234k | €210k | €210k | €413k | €379k | ▼ 8.1% |
| Financial debts170/4 | €234k | €210k | €210k | €413k | €379k | ▼ 8.1% |
| Amounts payable within one year42/48 | €593k | €692k | €682k | €784k | €779k | ▼ 0.6% |
| Current portion of amounts payable after more than one year42 | €31k | €24k | €9k | €34k | €34k | ▼ 0.9% |
| Financial debts43 | €154k | €294k | €291k | €301k | €285k | ▼ 5.2% |
| Credit institutions430/8 | €154k | €294k | €291k | €301k | €285k | ▼ 5.2% |
| Trade debts44 | €4k | €482 | €16k | €7k | €7k | ▼ 1.5% |
| Suppliers440/4 | €4k | €482 | €16k | €7k | €7k | ▼ 1.5% |
| Taxes, remuneration and social security45 | €14k | €9k | €9k | €11k | €9k | ▼ 23.4% |
| Taxes450/3 | €14k | €9k | €9k | €11k | €9k | ▼ 23.4% |
| Other amounts payable47/48 | €391k | €365k | €356k | €431k | €445k | ▲ 3.2% |
| Accrued charges and deferred income492/3 | €3k | €6k | €2k | €2k | €2k | ▲ 17.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-15k | €12k | €13k | €8k | €4k | ▼ 54.1% |
| + Depreciation and write-downs630 | €15k | €8k | €8k | €21k | €54k | ▲ 158% |
| Operating cash flow (approximation) | €700 | €21k | €21k | €29k | €58k | ▲ 98.0% |
| Investment in fixed assets (approximation) | - | €-39k | €0 | €-374k | €-27k | ▲ 92.9% |
| Change in cash | - | €289 | €5k | €-556 | €-4k | ▼ 611% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
31-12
Financial
Highest result since 2018net €13k ▲3%
Net result €13k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Edegem · 1 establishment unit since 2014
Ground area
1,111 m²
Building footprint
214 m²
Volume, LiDAR
1,558 m³
Parcel 11013A0014/00D002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JEMLO
since 20142.235.719.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0014/00D002 | Flanders | 1,110 m² | 1 · 214 m² | 10.5 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,671 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
Founded19-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.