Jolem
ActiveThe computed 12-month bankruptcy probability of Jolem is 2.0% (moderate). The 2025 annual accounts show equity of €32k and a net result of €-558. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 95% of 1294 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 10.59 against 24.28 in 2024), and 5% 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.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
95%
Return on assets
-1.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-01-2026, 99 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
99 d early
2024
70 d early
2023
134 d early
2022
13 d early
2021
3 d early
2020
on the day
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 1.7%
2024 · €33k
2020: €35k
2021: €32k
2022: €35k
2023: €37k
2024: €33k
2020 → 2025
Total assets
€34k▲ 1.7%
2024 · €33k
2020: €44k
2021: €33k
2022: €37k
2023: €40k
2024: €33k
2020 → 2025
Net result
€-558▲ 85.1%
2024 · €-4k
2020: €20k
2021: €-3k
2022: €3k
2023: €2k
2024: €-4k
2020 → 2025
Working capital
€15k▲ 16.7%
2024 · €13k
2020: €36k
2021: €24k
2022: €29k
2023: €33k
2024: €13k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€35k▲ 10.6%€37k▲ 4.4%€33k▼ 10.2%€32k▼ 1.7%
Operating result€-3k-€4k€3k▼ 13.0%€-4k€-517▲ 86.8%
Net result€-3k-€3k€2k▼ 30.4%€-4k€-558▲ 85.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €517 in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€17k▼ 13.5%
Current assets
€17k▲ 23.5%
Equity and liabilities €34k
Equity
€32k▼ 1.7%
Debt
€2k▲ 201%
The debt ratio rises from 1.7% to 5.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▲
2024 · €-3k
Cash flow
€2k▲
2024 · €-3k
Solvency
95.0%▼
2024 · 98.3%
Current ratio
10.59▼
2024 · 24.28
Quick ratio
10.59▼
2024 · 24.28
Debt / equity
0.05▲
2024 · 0.02
ROE
-1.7%▲
2024 · -11.4%
ROA
-1.6%▲
2024 · -11.2%
Interest coverage
18.69▲
2024 · -25.61
Debt
€2k▲
2024 · €566
Debt ≤ 1 year
€2k▲
2024 · €566
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€33k€34k▲
Fixed assets21/28€20k€17k▼
Tangible fixed assets22/27€20k€17k▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€11k€10k▼
Current assets29/58€14k€17k▲
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40€3k€8k▲
Other amounts receivable41€895€171▼
Cash at bank and in hand54/58€9k€9k▲
Deferred charges and accrued income490/1€1k€370▼
Equity and liabilities
Total equity and liabilities10/49€33k€34k▲
Equity10/15€33k€32k▼
Contributions10/11€15k€15k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-2k€-3k▼
Amounts payable17/49€566€2k▲
Amounts payable within one year42/48€566€2k▲
Trade debts44€192€1k▲
Suppliers440/4€192€1k▲
Taxes, remuneration and social security45-€20
Taxes450/3-€20
Other amounts payable47/48€374€209▼
Accrued charges and deferred income492/3-€102
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€991€3k▲
Other operating charges640/8€674€585▼
Gross operating margin9900€-2k€3k▲
Operating profit (loss)9901€-4k€-517▲
Financial income75/76B€273€73▼
Recurring financial income75€273€73▼
Financial charges65/66B€114€114▲
Recurring financial charges65€114€114▲
Profit (loss) for the period before taxes9903€-4k€-558▲
Income taxes67/77€-7-
Profit (loss) for the period9904€-4k€-558▲
Profit (loss) for the period to be appropriated9905€-4k€-558▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-3k▲
Profit (loss) brought forward from the previous period14P-€-2k
Transfer from equity791/2€2k-
The notes to these accounts (4 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-4k ▼260%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 24.28
Current ratio from 11.93 to 24.28; short-term debt falls from €3k to €566.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 22current ratio 135.50
Current ratio from 6.07 to 135.50; short-term debt falls from €7k to €178.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Ieper · 1 establishment unit since 2019
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.
Bellestraat 18908 IeperGround area
117 m²
Building footprint
316 m²
Volume, LiDAR
1,668 m³
Parcel 33026E0002/00F002, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOLEM
since 20192.294.081.573
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33026E0002/00F002 | Flanders | 116 m² | 1 · 316 m² | 9.1 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.
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Of 3,717 companies in sector 33120 we hold annual accounts for 1,341. 960 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2019
Fiscal year end30-09
Activities, NACEBEL
33120Repair and maintenance of machinery
41001General construction of residential buildings
68121Development of residential building projects
43211General electrical installation work
43410Roofing work
86903Human health activities
86920Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.