Johama Consult
ActiveSummary
Johama Consult has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €69k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 31% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+23
Solvency56▼-15
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.94 against 1.4 in 2024; short-term debt: 50.8% and cash: 15.1% of total assets), and 68.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
31.1%
Return on assets
37.7%
Age of the figures
9 mo
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 29-06-2026, 32 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
32 d early
2024
57 d early
2023
23 d early
2022
8 d early
2021
38 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, micro schema
Equity
€57k▼ 3.0%
2024 · €58k
2021: €56k
2022: €89k
2023: €109k
2024: €58k
2021 → 2025
Total assets
€182k▲ 43.6%
2024 · €127k
2021: €81k
2022: €158k
2023: €168k
2024: €127k
2021 → 2025
Net result
€69k▲ 750%
2024 · €8k
2021: €53k
2022: €32k
2023: €20k
2024: €8k
2021 → 2025
Working capital
€-5k
2024 · €27k
2021: €23k
2022: €53k
2023: €76k
2024: €27k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€89k▲ 56.8%€109k▲ 23.1%€58k▼ 46.6%€57k▼ 3.0%
Operating result€66k-€41k▼ 37.6%€23k▼ 43.1%€11k▼ 51.2%€95k▲ 731%
Net result€53k-€32k▼ 40.0%€20k▼ 36.2%€8k▼ 60.6%€69k▲ 750%
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 731% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€95k ▲ 201%
Current assets
€87k ▼ 8.5%
Equity and liabilities €182k
Equity
€57k ▼ 3.0%
Debt
€125k ▲ 83.2%
Debt's share of the balance-sheet total rises from 54.0% to 68.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€110k▲
2024 · €14k
Cash flow
€84k▲
2024 · €10k
Current ratio
0.94▼
2024 · 1.40
Debt to equity
2.21▲
2024 · 1.17
ROE
121.2%▲
2024 · 13.8%
ROA
37.7%▲
2024 · 6.4%
Interest coverage
61.10▼
2024 · 73.83
Debt ≤ 1 year
€92k▲
2024 · €68k
Debt > 1 year
€33k
Income taxes
€24k▲
2024 · €3k
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€127k€182k▲
Fixed assets21/28€32k€95k▲
Tangible fixed assets22/27€31k€93k▲
Land and buildings22€23k€22k▼
Plant, machinery and equipment23€834€2k▲
Furniture and vehicles24€7k€69k▲
Financial fixed assets28€195€2k▲
Current assets29/58€95k€87k▼
Amounts receivable within one year40/41€25k€54k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€14k€42k▲
Cash at bank and in hand54/58€68k€27k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€127k€182k▲
Equity10/15€58k€57k▼
Contributions10/11€3k€3k=
Reserves13€55k€54k▼
Distributable reserves133€55k€54k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€68k€125k▲
Amounts payable after more than one year17-€33k
Financial debts170/4-€33k
Amounts payable within one year42/48€68k€92k▲
Current portion of amounts payable after more than one year42-€24k
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€62k€61k▼
Accrued charges and deferred income492/3€366€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€15k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€15k€112k▲
Operating profit (loss)9901€11k€95k▲
Financial income75/76B€0-
Recurring financial income75€0-
Non-recurring financial income76B€0-
Financial charges65/66B€186€2k▲
Recurring financial charges65€186€2k▲
Profit (loss) for the period before taxes9903€11k€93k▲
Income taxes67/77€3k€24k▲
Profit (loss) for the period9904€8k€69k▲
Profit (loss) for the period to be appropriated9905€8k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€69k▲
Transfer from equity791/2€51k€55k▲
Transfer to equity691/2€0€54k▲
To other reserves6921€0€54k▲
Profit to be distributed694/7€59k€70k▲
Return on contributions (dividend)694€59k€70k▲
The notes to these accounts (12 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €69k ▲750%
Operating result €95k, net result €69k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼60.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €109k ▲23.1%
3 profitable years in a row build equity to €109k.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Kalmthout · 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.
Vinkenlaan (Heide) 82920 KalmthoutGround area
1,989 m²
Building footprint
153 m²
Volume, LiDAR
930 m³
Parcel 11662E0576/00W012, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Johama Consult
since 20202.309.789.437
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0576/00W012 | Flanders | 1,989 m² | 1 · 153 m² | 8.8 m · 2 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,684 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
Founded12-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.