Skip to content

JOMA

Active
Private limited companyfounded 198838 yrs activeLindestraat 11, 3512 Hasselt, BelgiumKBO/BCE: BE 0435.175.850
Summary

JOMA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,797 and a net result of €5,902. Equity remains stable across the filed fiscal years (±2.1% per year). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
JOMAActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Van alle voedings- en kruidenierswaren, zuivelproducten, bereide vleeswaren, dranken, fruit en groenten, diepvriesproducten, margarines…
From the articles, 9 activitiesNo NACE code in the KBO yet1 site
Size
€129,986total assets 2025
Equity
€117,797
Profit
€5,902
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
2 members
Accounts 4 d early1 of 5 deeds read
Why 96+ Size: total assets €129,986+ Liquidity: current ratio 8.63, cash €78,209+ Founded in 1988+ Equity €117,797 (90.6% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 68% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.6% of total assets
Liquidity 100=
short-term debt 9.4% · cash 60.2%
Profitability 49+6
return on assets 4.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 14 months 09-2025: < 0.1%lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%▲ +7.1% vs 05-2026 07-2026: < 0.1%▲ +6.7% vs 06-2026highest value 08-2026: < 0.1%▼ -9.4% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Size: total assets €129,986 lowers the probability for this profile
  • Liquidity: current ratio 8.63, cash €78,209 lowers the probability
  • Founded in 1988 lowers the probability for this profile
  • Equity €117,797 (90.6% of total assets) lowers the probability
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 8.63 against 8.6 in 2024; short-term debt: 9.4% and cash: 60.2% of total assets), and 9.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 95%, profitability 36%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €129,986
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 8.63, cash €78,209
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €117,797 (90.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 d early
2024
16 d early
2023
23 d early
2022
11 d early
2021
12 d early
2020
30 d late
2019
14 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 3 days before 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 (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. Usually files around 19 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Legal-form change · Resignations & appointmentsAppointments: JEURIS Johan Jozef Karel…
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • New directorslatest change 10-07-2026 · 2 in office 2 joined View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Active since 1988founded 29-08-1988 38 years View

By topic

Financials

Fiscal year
2025
Total assets
€129,986
Profit
€5,902
Solvency
90.6%
Total assets▲ 5.4%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 27-07-2026Annual accounts filed
  2. 10-07-2026Legal-form change · Resignations & appointments
  3. 15-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
29-08-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
11
Annual meeting
Second Thursday of May at 20:00
Purpose
Van alle voedings- en kruidenierswaren, zuivelproducten, bereide vleeswaren, dranken…
Go to Articles of association

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure