JOKUMA
ActiveJOKUMA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €223k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency79▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 2.53 in 2024; short-term debt: 14.8% and cash: 34.9% of total assets), and 46.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
53.6%
Return on assets
8.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
45 d early
2023
13 d late
2022
29 d late
2021
40 d late
2020
1 d early
2019
31 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.43M▲ 15.5%
2024 · €1.24M
2018: €169k
2019: €303k
2020: €437k
2021: €571k
2022: €789k
2023: €993k
2024: €1.24M
2018 → 2025
Total assets
€2.67M▲ 6.9%
2024 · €2.50M
2018: €1.61M
2019: €1.64M
2020: €1.71M
2021: €1.78M
2022: €1.99M
2023: €2.16M
2024: €2.50M
2018 → 2025
Net result
€223k▼ 10.5%
2024 · €249k
2018: €124k
2019: €134k
2020: €134k
2021: €134k
2022: €219k
2023: €203k
2024: €249k
2018 → 2025
Working capital
€817k▲ 38.1%
2024 · €592k
2018: €34k
2019: €53k
2020: €-79k
2021: €34k
2022: €232k
2023: €374k
2024: €592k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€571k-€789k▲ 38.3%€993k▲ 25.7%€1.24M▲ 25.1%€1.43M▲ 15.5%
Operating result€172k-€274k▲ 58.8%€262k▼ 4.5%€281k▲ 7.6%€273k▼ 3.1%
Net result€134k-€219k▲ 63.5%€203k▼ 7.2%€249k▲ 22.5%€223k▼ 10.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.67M
Fixed assets
€1.46M▼ 4.0%
Current assets
€1.21M▲ 23.8%
Equity and liabilities €2.67M
Equity
€1.43M▲ 15.5%
Debt
€1.24M▼ 1.6%
The debt ratio falls from 50.4% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€348k▼
2024 · €355k
Cash flow
€298k▼
2024 · €322k
Solvency
53.6%▲
2024 · 49.6%
Current ratio
3.06▲
2024 · 2.53
Quick ratio
3.06▲
2024 · 2.53
Debt / equity
0.87▼
2024 · 1.02
ROE
15.5%▼
2024 · 20.0%
ROA
8.3%▼
2024 · 9.9%
Interest coverage
97.29▲
2024 · 39.75
Debt
€1.24M▼
2024 · €1.26M
Debt ≤ 1 year
€396k▲
2024 · €388k
Debt > 1 year
€817k▼
2024 · €844k
Income taxes
€52k▲
2024 · €27k
Staff costs
€20k▲
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.50M€2.67M▲
Fixed assets21/28€1.52M€1.46M▼
Tangible fixed assets22/27€1.52M€1.46M▼
Land and buildings22€1.46M€1.40M▼
Plant, machinery and equipment23€47k€26k▼
Furniture and vehicles24€3k€2k▼
Assets under construction and advance payments27€15k€30k▲
Current assets29/58€979k€1.21M▲
Amounts receivable within one year40/41€346k€279k▼
Trade receivables40€322k€279k▼
Other amounts receivable41€24k€284▼
Cash at bank and in hand54/58€630k€933k▲
Deferred charges and accrued income490/1€3k€705▼
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.67M▲
Equity10/15€1.24M€1.43M▲
Contributions10/11€6k€6k=
Reserves13€1.23M€1.43M▲
Distributable reserves133€1.23M€1.43M▲
Profit (loss) carried forward14€9k€320▼
Amounts payable17/49€1.26M€1.24M▼
Amounts payable after more than one year17€844k€817k▼
Financial debts170/4€800k€774k▼
Trade debts175€43k€43k=
Amounts payable within one year42/48€388k€396k▲
Current portion of amounts payable after more than one year42€26k€26k=
Trade debts44€314k€314k▲
Suppliers440/4€48€314k▲
Bills of exchange payable441€314k-
Taxes, remuneration and social security45€48k€50k▲
Taxes450/3€45k€47k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€29k€28k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€76k▲
Other operating charges640/8€20k€19k▼
Gross operating margin9900€393k€387k▼
Operating profit (loss)9901€281k€273k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€275k€274k▼
Income taxes67/77€27k€52k▲
Profit (loss) for the period9904€249k€223k▼
Profit (loss) for the period to be appropriated9905€249k€223k▼
Appropriation of the result
Profit (loss) to be appropriated9906€257k€231k▼
Profit (loss) brought forward from the previous period14P€8k€9k▲
Transfer from equity791/2-€30k
Transfer to equity691/2€248k€231k▼
To other reserves6921€248k€231k▼
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €249k ▲22.5%
Operating result €281k, net result €249k, both a record.
31-12
Financial
Equity above €1MEq €1.24M ▲25.1%
7 profitable years in a row build equity to €1.24M.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.27
Current ratio from 0.40 to 1.27; short-term debt falls from €133k to €127k.
31-12
Financial
Equity above €500kEq €571k ▲30.6%
4 profitable years in a row build equity to €571k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €200kEq €303k ▲79.3%
2 profitable years in a row build equity to €303k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pelt · 1 establishment unit since 2013
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.
Erkestraat(SHL) 73910 PeltGround area
840 m²
Building footprint
209 m²
Parcel 72033A0261/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
JOKUMA
since 20132.226.728.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72033A0261/00C000 | Flanders | 840 m² | 1 · 208 m² | - |
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
VAJA
BE 0861.834.508
Ternat · Eq €1.43M
NaCom
BE 0502.784.553
Kapellen · Eq €1.43M
KAKINE
BE 0825.715.072
Estaimpuis · Eq €1.43M
NEWWAYS
BE 0736.789.333
Leuven · Eq €1.43M
HL NEXT
BE 0461.198.871
Sprimont · Eq €1.43M
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 23,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.