Summary
Jermanco 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 €58,374 and a net result of €55,874. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 8061 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
73 d early
2024
84 d early
2023
28 d early
2022
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 54 days before the deadline; 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€58,374▼ 29.4%
2024 · €82,628
Net result
€55,874▲ 148%
2024 · €22,486
Total assets
€91,798▲ 6.5%
2024 · €86,218
Solvency
63.6%▼ 32.2pp
2024 · 95.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€25,638-€50,536▲ 97.1%€28,698▼ 43.2%€69,574▲ 142%
Net result€20,279-€39,855▲ 96.5%€22,486▼ 43.6%€55,874▲ 148%
Equity€21,979-€61,001▲ 178%€82,628▲ 35.5%€58,374▼ 29.4%
Total assets€29,515-€62,529▲ 112%€86,218▲ 37.9%€91,798▲ 6.5%
Debt€7,536-€1,528▼ 79.7%€3,590▲ 135%€33,424▲ 831%
Working capital€21,979-€61,001▲ 178%€81,293▲ 33.3%€57,347▼ 29.5%
Solvency74.5%-97.6%▲ 23.1pp95.8%▼ 1.7pp63.6%▼ 32.2pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 142% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91,798
Fixed assets
€1,027 ▼ 23.0%
Current assets
€90,771 ▲ 6.9%
Equity and liabilities €91,798
Equity
€58,374 ▼ 29.4%
Debt
€33,424 ▲ 831%
Debt's share of the balance-sheet total rises from 4.2% to 36.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
95.7%▲
2024 · 27.2%
ROA
60.9%▲
2024 · 26.1%
Debt ≤ 1 year
€33,424▲
2024 · €3,590
Income taxes
€14,497▲
2024 · €6,373
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €203 | €308 | ▲ 51.2% |
| Other operating charges640/8 | - | €195 | €203 | - | - |
| Gross operating margin9900 | €25,638 | €50,730 | €29,105 | €69,881 | ▲ 140% |
| Operating profit (loss)9901 | €25,638 | €50,536 | €28,698 | €69,574 | ▲ 142% |
| Financial income75/76B | - | €30 | €542 | €1,109 | ▲ 105% |
| Recurring financial income75 | - | €30 | €542 | €1,109 | ▲ 105% |
| Financial charges65/66B | €0 | €16 | €381 | €312 | ▼ 18.2% |
| Recurring financial charges65 | €0 | €16 | €381 | €312 | ▼ 18.2% |
| Profit (loss) for the period before taxes9903 | €25,638 | €50,550 | €28,860 | €70,371 | ▲ 144% |
| Income taxes67/77 | €5,359 | €10,695 | €6,373 | €14,497 | ▲ 127% |
| Profit (loss) for the period9904 | €20,279 | €39,855 | €22,486 | €55,874 | ▲ 148% |
| Profit (loss) for the period to be appropriated9905 | €20,279 | €39,855 | €22,486 | €55,874 | ▲ 148% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €29,515 | €62,529 | €86,218 | €91,798 | ▲ 6.5% |
| Fixed assets21/28 | - | - | €1,335 | €1,027 | ▼ 23.0% |
| Tangible fixed assets22/27 | - | - | €1,335 | €1,027 | ▼ 23.0% |
| Furniture and vehicles24 | - | - | €1,335 | €1,027 | ▼ 23.0% |
| Current assets29/58 | €29,515 | €62,529 | €84,884 | €90,771 | ▲ 6.9% |
| Amounts receivable within one year40/41 | €472 | €9,212 | €14,005 | €7,164 | ▼ 48.8% |
| Trade receivables40 | - | €8,894 | €10,285 | €2,500 | ▼ 75.7% |
| Other amounts receivable41 | €472 | €318 | €3,720 | €4,664 | ▲ 25.4% |
| Current investments50/53 | - | €30,000 | €45,000 | - | - |
| Cash at bank and in hand54/58 | €29,043 | €23,317 | €25,879 | €83,607 | ▲ 223% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €29,515 | €62,529 | €86,218 | €91,798 | ▲ 6.5% |
| Equity10/15 | €21,979 | €61,001 | €82,628 | €58,374 | ▼ 29.4% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €19,479 | €58,501 | €80,128 | €55,874 | ▼ 30.3% |
| Amounts payable17/49 | €7,536 | €1,528 | €3,590 | €33,424 | ▲ 831% |
| Amounts payable within one year42/48 | €7,536 | €1,528 | €3,590 | €33,424 | ▲ 831% |
| Trade debts44 | €1,378 | €0 | €656 | - | - |
| Suppliers440/4 | €1,378 | €0 | €656 | - | - |
| Taxes, remuneration and social security45 | €5,359 | €695 | €923 | - | - |
| Taxes450/3 | €5,359 | €695 | €923 | - | - |
| Other amounts payable47/48 | €800 | €833 | €2,011 | €33,424 | ▲ 1,562% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,279 | €39,855 | €22,486 | €55,874 | ▲ 148% |
| + Depreciation and write-downs630 | - | - | €203 | €308 | ▲ 51.2% |
| Operating cash flow (approximation) | €20,279 | €39,855 | €22,690 | €56,182 | ▲ 148% |
| Investment in fixed assets (approximation) | - | - | - | €0 | - |
| Change in cash | - | -€5,726 | €2,561 | €57,728 | ▲ 2,154% |
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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €55,874 ▲148%
Operating result €69,574, net result €55,874, both a record.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 10current ratio 40.92
Current ratio from 3.92 to 40.92; short-term debt falls from €7,536 to €1,528.
29-06
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.
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, Meise · 1 establishment unit since 2022
Ground area
691 m²
Building footprint
120 m²
Volume, LiDAR
632 m³
Parcel 23093G0353/02P000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jermanco
since 20222.335.892.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23093G0353/02P000 | Flanders | 691 m² | 1 · 120 m² | 8.3 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 24,730 companies in sector 64210 we hold annual accounts for 19,772. 10,898 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
Founded07-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.