Jermet
ActiveSummary
Jermet has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €10k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 13% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+7
Solvency33▲+3
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.11 in 2024; short-term debt: 30.9% and cash: 4.4% of total assets), and 92.4% of the assets are financed with debt.
Credit advice 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
7.6%
Return on assets
2.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 13%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
27 d early
2022
26 d early
2021
27 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€35k▲ 41.6%
2024 · €25k
2021: €4k
2022: €34k
2023: €30k
2024: €25k
2021 → 2025
Total assets
€469k▼ 5.5%
2024 · €497k
2021: €6k
2022: €149k
2023: €512k
2024: €497k
2021 → 2025
Net result
€10k
2024 · €-5k
2021: €243
2022: €30k
2023: €-4k
2024: €-5k
2021 → 2025
Working capital
€-115k▲ 14.5%
2024 · €-135k
2021: €3k
2022: €3k
2023: €-107k
2024: €-135k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€34k▲ 703%€30k▼ 12.3%€25k▼ 16.3%€35k▲ 41.6%
Operating result€667-€39k▲ 5,726%€1k▼ 96.7%€10k▲ 717%€26k▲ 145%
Net result€243-€30k▲ 12,179%€-4k€-5k▼ 16.2%€10k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 145% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €469k
Fixed assets
€439k ▼ 8.6%
Current assets
€30k ▲ 87.1%
Equity and liabilities €469k
Equity
€35k ▲ 41.6%
Debt
€434k ▼ 8.0%
Debt's share of the balance-sheet total falls from 95.0% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€68k▼
2024 · €69k
Cash flow
€53k▼
2024 · €54k
Current ratio
0.21▲
2024 · 0.11
Debt to equity
12.24▼
2024 · 18.84
ROE
29.4%▲
2024 · -19.4%
ROA
2.2%▲
2024 · -1.0%
Interest coverage
4.83▲
2024 · 4.51
Debt ≤ 1 year
€145k▼
2024 · €151k
Debt > 1 year
€288k▼
2024 · €321k
Income taxes
€1k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€497k€469k▼
Fixed assets21/28€481k€439k▼
Tangible fixed assets22/27€479k€438k▼
Land and buildings22€440k€430k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€31k€844▼
Financial fixed assets28€2k€2k=
Current assets29/58€16k€30k▲
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40-€6k
Other amounts receivable41€1k€522▼
Cash at bank and in hand54/58€15k€20k▲
Deferred charges and accrued income490/1€312€3k▲
Equity and liabilities
Total equity and liabilities10/49€497k€469k▼
Equity10/15€25k€35k▲
Contributions10/11€4k€4k=
Reserves13€30k€31k▲
Distributable reserves133€30k€31k▲
Profit (loss) carried forward14€-9k-
Amounts payable17/49€472k€434k▼
Amounts payable after more than one year17€321k€288k▼
Financial debts170/4€321k€288k▼
Amounts payable within one year42/48€151k€145k▼
Current portion of amounts payable after more than one year42€31k€32k▲
Trade debts44€29k€2k▼
Suppliers440/4€29k€2k▼
Taxes, remuneration and social security45€473€1k▲
Taxes450/3€473€1k▲
Other amounts payable47/48€90k€110k▲
Accrued charges and deferred income492/3-€195
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€43k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€71k€70k▼
Operating profit (loss)9901€10k€26k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€-5k€11k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-5k€10k▲
Profit (loss) for the period to be appropriated9905€-5k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€1k▲
Profit (loss) brought forward from the previous period14P€-4k€-9k▼
Transfer to equity691/2-€1k
To other reserves6921-€1k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €30k ▲12179%
Operating result €39k, net result €30k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2020
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.
Kleine Spekstraat 103020 HerentGround area
1.1 ha
Building footprint
261 m²
Volume, LiDAR
884 m³
Parcel 24127B0293/00E000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jermet
since 20202.310.369.457
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24127B0293/00E000 | Flanders | 1.1 ha | 1 · 261 m² | 7.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
VERSAYE SRL
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HMMJ
BE 0771.619.756
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Antelis Invest
BE 0795.851.247
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THOMAES MANAGEMENT
BE 1021.862.831
La Bruyère · Eq €35,443
VESTIGO
BE 0477.319.974
Bornem · Eq €35,444
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 35,750 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46120Wholesale trade
49410Freight transport by road
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.