Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of JOEMA is 0.7% (low). The 2025 annual accounts show equity of €2.85M and a net result of €110k. The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 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.
The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | 31-05-2026 | 31 d late | 2026-00146985 |
| 30-09-2024 | 30-04-2025 | 29-04-2025 | 1 d early | 2025-00084121 |
| 30-09-2023 | 30-04-2024 | 31-05-2024 | 31 d late | 2024-00118900 |
| 30-09-2022 | 30-04-2023 | 26-05-2023 | 26 d late | 2023-00104002 |
| 30-09-2020 | 30-04-2021 | 31-05-2021 | 31 d late | 2021-17100432 |
| 30-09-2019 | 30-04-2020 | 28-05-2020 | 28 d late | 2020-13400186 |
| 30-09-2018 | 30-04-2019 | 17-05-2019 | 17 d late | 2019-13300002 |
| 30-09-2017 | 30-04-2018 | 31-05-2018 | 31 d late | 2018-14400516 |
| 31-12-2015 | 31-07-2016 | 30-08-2016 | 30 d late | 2016-50900392 |
| 31-12-2014 | 31-07-2015 | 17-09-2015 | 48 d late | 2015-59100033 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 2001, 25 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.7%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Long track record
−Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€110k
Working capital€2.62M
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 31-05-2026 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €35k |
| Net profit | €110k |
| Cash flow | €177k |
| Staff costs | - |
| Income taxes | €92k |
| Dividends | - |
| Total assets | €5.87M |
| Equity | €2.85M |
| Debt | €2.22M |
| of which ≤ 1y | €2.00M |
| of which > 1y | €200k |
| Working capital | €2.62M |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.31 |
| Quick ratio | 2.31 |
| Working capital ratio | 44.7% |
| Solvency | 48.6% |
| Debt / equity | 0.78 |
| Long-term debt ratio | 0.07 |
| Interest coverage | 0.10 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.9% |
| ROE | 3.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €5.87M |
| Fixed assets | 21/28 | €1.25M |
| Tangible fixed assets | 22/27 | €1.25M |
| Current assets | 29/58 | €4.62M |
| Amounts receivable within one year | 40/41 | €1.30M |
| Investments | 50/53 | €2.80M |
| Cash & bank | 54/58 | €511k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €5.87M |
| Equity | 10/15 | €2.85M |
| Contributions / capital | 10/11 | €167k |
| Reserves | 13 | €2.26M |
| Accumulated profits (losses) | 14 | €421k |
| Provisions & deferred taxes | 16 | €794k |
| Amounts payable | 17/49 | €2.22M |
| Amounts payable after one year | 17 | €200k |
| Amounts payable within one year | 42/48 | €2.00M |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €26k |
| Operating result | 9901 | €-33k |
| Financial income | 75 | €569k |
| Financial charges | 65 | €334k |
| Result before taxes | 9903 | €202k |
| Income taxes | 67/77 | €92k |
| Net result for the period | 9904 | €110k |
| Result to be appropriated | 9905 | €110k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 2 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyJOEMABE 0474.204.294
controls
Where this company holds controlthis company sits on their board1
2 locations
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationJOEMA
since 20012.097.880.762
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area5,442 m²
Buildings1
Building footprint297 m²
Volume (LiDAR)1,345 m³
Tallest building7.1 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037D0010/00P014 | Wallonia | 5,442 m² | 1 · 297 m² | 7.1 m · 1 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 2 years ago
2024
14-02-2024 Change in the board of directors
Notary:
Frederic CONVENT · Ixelles
Analysis
Financial profile
4 of 5 axes measured67
/ 100
Strong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
19
Solvency
96
Growth
-
Stability
85
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0821.705.311 · Grez-Doiceau
BE 0667.958.727 · Grez-Doiceau
BE 0879.155.243 · Grez-Doiceau
BE 0472.348.329 · Grez-Doiceau
BE 0823.802.885 · Grez-Doiceau
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 321 of the 2,612 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591Detailhandel in meubels52441
Primary activity highlighted.
Names & trade names
| Legal nameFR | JOEMA |
Registered office
Champ de Présenne 17
1390 Grez-Doiceau, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.