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JEROEM

Active
Private limited companyfounded 199530 yrs activeLouis Woutersstraat 21, 3012 Leuven, BelgiumKBO/BCE: BE 0456.723.609
Summary

JEROEM has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €749,463 and a net result of -€18,360. Equity is shrinking by ~4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability67▲+27
Solvency73=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.41 in 2023; short-term debt: 39.5% and cash: 5.9% of total assets), and 51.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 30 years 0 40 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
48.1%
Return on assets
-1.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year -€18,360
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
28 d late
2023
140 d late
2022
268 d late
2021
89 d late
2020
31 d late
2019
75 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 105 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
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 8 December 1995, JEROEM was incorporated.1 Total assets went from EUR 1.6 million in 2018 to EUR 1.6 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€749,463▼ 2.4%
2023 · €767,822
Total assets
€1.6m▼ 1.8%
2023 · €1.6m
Net result
-€18,360▲ 62.9%
2023 · -€49,432
Working capital
-€355,610▲ 0.6%
2023 · -€357,579
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
Line20202021202220232024
Operating result-€26,544-€52,559▼ 98.0%-€15,014▲ 71.4%-€44,853▼ 199%-€16,619▲ 62.9%
Net result-€26,447-€56,382▼ 113%-€18,162▲ 67.8%-€49,432▼ 172%-€18,360▲ 62.9%
Equity€891,799▼ 2.9%€835,417▼ 6.3%€817,255▼ 2.2%€767,822▼ 6.0%€749,463▼ 2.4%
Total assets€1.8m▲ 16.2%€1.8m▼ 4.1%€1.7m▼ 2.3%€1.6m▼ 8.5%€1.6m▼ 1.8%
Debt€955,848▲ 42.3%€936,820▼ 2.0%€914,608▼ 2.4%€817,646▼ 10.6%€807,316▼ 1.3%
Working capital-€330,065▼ 33.9%-€352,560▼ 6.8%-€340,794▲ 3.3%-€357,579▼ 4.9%-€355,610▲ 0.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€60,000-€40,000-€20,000€0Operating result 2020: -€26,544-€26,544Net result 2020: -€26,447-€26,447Operating result 2021: -€52,559-€52,559Net result 2021: -€56,382-€56,382Operating result 2022: -€15,014-€15,014Net result 2022: -€18,162-€18,162Operating result 2023: -€44,853-€44,853Net result 2023: -€49,432-€49,432Operating result 2024: -€16,619-€16,619Net result 2024: -€18,360-€18,36020202021202220232024-€60,000-€40,000-€20,000€0Operating result 2022: -€15,014-€15,000Net result 2022: -€18,162-€18,200Operating result 2023: -€44,853-€44,900Net result 2023: -€49,432-€49,400Operating result 2024: -€16,619-€16,600Net result 2024: -€18,360-€18,400202220232024
The operating result stays negative: a loss of €16,619 in 2024 against €44,853 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.6m
Fixed assets €1.3m ▼ 2.9%
Current assets €259,353 ▲ 4.3%
Equity and liabilities €1.6m
Equity €749,463 ▼ 2.4%
Debt €807,316 ▼ 1.3%
Debt's share of the balance-sheet total rises from 51.6% to 51.9%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€41,968▲
2023 · €14,758
Cash flow
€40,228▲
2023 · €10,179
Current ratio
0.42▲
2023 · 0.41
Debt to equity
1.08▲
2023 · 1.06
ROE
-2.4%▲
2023 · -6.4%
ROA
-1.2%▲
2023 · -3.1%
Interest coverage
14.87▲
2023 · 2.98
Debt ≤ 1 year
€614,963▲
2023 · €606,303
Debt > 1 year
€192,353▼
2023 · €211,343
Income taxes
€464▲
2023 · €176
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 8,611 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.4% went bankrupt
5.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

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%.

The companies in ten equal groups, from lowest to highest expected share.
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 8,611 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet Code20232024
Assets
Total assets20/58€1.6m€1.6m▼
Fixed assets21/28€1.3m€1.3m▼
Tangible fixed assets22/27€1.3m€1.3m▼
Land and buildings22€1.3m€1.3m▼
Plant, machinery and equipment23€8,229€7,306▼
Furniture and vehicles24€25,755€20,757▼
Financial fixed assets28€0-
Current assets29/58€248,724€259,353▲
Amounts receivable within one year40/41€98€12,645▲
Other amounts receivable41€98€12,645▲
Current investments50/53€154,334€154,334=
Cash at bank and in hand54/58€94,291€92,292▼
Deferred charges and accrued income490/1€0€81▲
Equity and liabilities
Total equity and liabilities10/49€1.6m€1.6m▼
Equity10/15€767,822€749,463▼
Contributions10/11€6,197€6,197=
Reserves13€761,625€743,265▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€761,625€743,265▼
Amounts payable17/49€817,646€807,316▼
Amounts payable after more than one year17€211,343€192,353▼
Financial debts170/4€211,343€192,353▼
Amounts payable within one year42/48€606,303€614,963▲
Current portion of amounts payable after more than one year42€18,755€18,991▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44-€10,189
Suppliers440/4-€10,189
Other amounts payable47/48€587,548€585,784▼
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59,611€58,588▼
Other operating charges640/8€13,673€14,231▲
Gross operating margin9900€28,431€56,200▲
Operating profit (loss)9901-€44,853-€16,619▲
Financial income75/76B€544€1,545▲
Recurring financial income75€544€1,545▲
Financial charges65/66B€4,947€2,822▼
Recurring financial charges65€4,947€2,822▼
Profit (loss) for the period before taxes9903-€49,256-€17,896▲
Income taxes67/77€176€464▲
Profit (loss) for the period9904-€49,432-€18,360▲
Profit (loss) for the period to be appropriated9905-€49,432-€18,360▲
Appropriation of the result
Profit (loss) to be appropriated9906-€49,432-€18,360▲
Transfer from equity791/2€49,432€18,360▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59,614€65,861€58,686€59,611€58,588▼ 1.7%
Other operating charges640/8-€7,626€13,400€13,673€14,231▲ 4.1%
Gross operating margin9900€43,216€20,929€57,072€28,431€56,200▲ 97.7%
Operating profit (loss)9901-€26,544-€52,559-€15,014-€44,853-€16,619▲ 62.9%
Financial income75/76B-€4€12,875€544€1,545▲ 184%
Recurring financial income75€2,989€4€12,875€544€1,545▲ 184%
Financial charges65/66B-€3,825€16,024€4,947€2,822▼ 43.0%
Recurring financial charges65€2,840€3,825€16,024€4,947€2,822▼ 43.0%
Profit (loss) for the period before taxes9903-€26,447-€56,381-€18,162-€49,256-€17,896▲ 63.7%
Income taxes67/77€0€1-€176€464▲ 163%
Profit (loss) for the period9904-€26,447-€56,382-€18,162-€49,432-€18,360▲ 62.9%
Profit (loss) for the period to be appropriated9905-€26,447-€56,382-€18,162-€49,432-€18,360▲ 62.9%
Line20202021202220232024Change
Assets
Total assets20/58€1.8m€1.8m€1.7m€1.6m€1.6m▼ 1.8%
Fixed assets21/28€1.5m€1.4m€1.4m€1.3m€1.3m▼ 2.9%
Tangible fixed assets22/27€1.5m€1.4m€1.4m€1.3m€1.3m▼ 2.9%
Land and buildings22-€1.4m€1.4m€1.3m€1.3m▼ 2.6%
Plant, machinery and equipment23-€3,247€6,566€8,229€7,306▼ 11.2%
Furniture and vehicles24-€30,598€30,256€25,755€20,757▼ 19.4%
Financial fixed assets28€37€37€37€0--
Current assets29/58€357,686€334,443€343,716€248,724€259,353▲ 4.3%
Amounts receivable within one year40/41€38,361€41,946€62,152€98€12,645▲ 12,770%
Other amounts receivable41-€41,946€62,152€98€12,645▲ 12,770%
Current investments50/53€111,449€162,188€154,334€154,334€154,334=
Cash at bank and in hand54/58€207,288€124,415€127,004€94,291€92,292▼ 2.1%
Deferred charges and accrued income490/1-€5,894€225€0€81-
Equity and liabilities
Total equity and liabilities10/49€1.8m€1.8m€1.7m€1.6m€1.6m▼ 1.8%
Equity10/15€891,799€835,417€817,255€767,822€749,463▼ 2.4%
Contributions10/11-€6,197€6,197€6,197€6,197=
Reserves13€885,602€829,220€811,057€761,625€743,265▼ 2.4%
Non-distributable reserves130/1-€1,859€1,859€0--
Reserves not available under the articles1311-€1,859€1,859€0--
Distributable reserves133-€827,361€809,198€761,625€743,265▼ 2.4%
Amounts payable17/49€955,848€936,820€914,608€817,646€807,316▼ 1.3%
Amounts payable after more than one year17€266,948€248,634€230,098€211,343€192,353▼ 9.0%
Financial debts170/4-€248,634€230,098€211,343€192,353▼ 9.0%
Amounts payable within one year42/48€687,751€687,003€684,510€606,303€614,963▲ 1.4%
Current portion of amounts payable after more than one year42---€18,755€18,991▲ 1.3%
Financial debts43-€18,313€18,536€0--
Credit institutions430/8-€18,313€18,536€0--
Trade debts44€766€2,906€190-€10,189-
Suppliers440/4-€2,906€190-€10,189-
Other amounts payable47/48-€665,784€665,784€587,548€585,784▼ 0.3%
Accrued charges and deferred income492/3-€1,183----
Line20202021202220232024Change
Profit (loss) for the period9904-€26,447-€56,382-€18,162-€49,432-€18,360▲ 62.9%
+ Depreciation and write-downs630€59,614€65,861€58,686€59,611€58,588▼ 1.7%
Operating cash flow (approximation)€33,166€9,480€40,523€10,179€40,228▲ 295%
Investment in fixed assets (approximation)--€13,696-€9,038-€8,209-€19,269▼ 135%
Change in cash--€82,873€2,589-€32,713-€1,999▲ 93.9%

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

2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
18-12
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 140 days late
24-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 268 days late
2022
28-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-12
Financial Weakest financial yearnet -€56,382
Net result drops to -€56,382, the lowest in the series; recovery starts the following year.
31-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
14-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 75 days late
2019
31-12
Financial Back to profitnet €18,628
Net result €18,628 after one loss-making year.
23-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
26-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
24-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
13-09
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Leuven · 1 establishment unit since 1995
seat establishment The establishment unit on the map
Ground area
2,302 m²
Building footprint
369 m²
Volume, LiDAR
2,133 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
BBF
Louis Woutersstraat 21a, 3012 LeuvenNACE 70201
since 19952.074.364.794
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24126B0207/00T003 Flanders 1,629 m² 1 · 205 m² 7.2 m · 2 fl.
24126B0207/00V003 Flanders 672 m² 1 · 163 m² 9.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. OSMEAL-Q 100%
  2. JEROEM

Highest known parent: OSMEAL-Q. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded08-12-1995
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0456723609
Also 9925:BE0456723609
Registered 02-09-2024

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.