JOMA
ActiveJOMA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €10k. Equity is shrinking by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+15
Solvency94▲+6
Growth58=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.88 in 2024), but 50.9% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
49.1%
Return on assets
6.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
53 d early
2023
57 d early
2022
50 d early
2021
46 d early
2020
48 d early
2019
53 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 4.2%
2024 · €69k
2019: €109k
2020: €113k
2021: €106k
2022: €86k
2023: €71k
2024: €69k
2019 → 2025
Total assets
€145k▼ 2.5%
2024 · €149k
2019: €198k
2020: €203k
2021: €196k
2022: €165k
2023: €146k
2024: €149k
2019 → 2025
Net result
€10k▲ 35.1%
2024 · €7k
2019: €7k
2020: €4k
2021: €10k
2022: €12k
2023: €9k
2024: €7k
2019 → 2025
Working capital
€73k▲ 4.2%
2024 · €70k
2019: €110k
2020: €114k
2021: €107k
2022: €87k
2023: €73k
2024: €70k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€86k▼ 19.2%€71k▼ 16.5%€69k▼ 4.1%€71k▲ 4.2%
Operating result€17k-€16k▼ 6.4%€13k▼ 20.7%€15k▲ 20.2%€20k▲ 28.8%
Net result€10k-€12k▲ 19.9%€9k▼ 24.1%€7k▼ 16.8%€10k▲ 35.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 29% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €145k
Equity
€71k▲ 4.2%
Debt
€74k▼ 8.2%
The debt ratio falls from 54.1% to 50.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
49.1%▲
2024 · 45.9%
Current ratio
1.99▲
2024 · 1.88
Quick ratio
1.99▲
2024 · 1.88
Debt / equity
1.04▼
2024 · 1.18
ROE
13.9%▲
2024 · 10.7%
ROA
6.8%▲
2024 · 4.9%
Debt
€74k▼
2024 · €81k
Debt ≤ 1 year
€73k▼
2024 · €79k
Income taxes
€5k▲
2024 · €3k
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€149k€145k▼
Fixed assets21/28€62-
Financial fixed assets28€62-
Current assets29/58€149k€145k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€102€28▼
Cash at bank and in hand54/58€146k€141k▼
Deferred charges and accrued income490/1€542€577▲
Equity and liabilities
Total equity and liabilities10/49€149k€145k▼
Equity10/15€69k€71k▲
Contributions10/11€19k€19k=
Reserves13€50k€53k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€51k▲
Amounts payable17/49€81k€74k▼
Amounts payable within one year42/48€79k€73k▼
Trade debts44€1k€62▼
Suppliers440/4€1k€62▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€73k€70k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Other operating charges640/8€715€588▼
Gross operating margin9900€16k€20k▲
Operating profit (loss)9901€15k€20k▲
Financial income75/76B€66€202▲
Recurring financial income75€66€202▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€10k€15k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€7k€10k▲
Profit (loss) for the period to be appropriated9905€7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Transfer from equity791/2€10k€7k▼
Transfer to equity691/2€7k€10k▲
To other reserves6921€7k€10k▲
Profit to be distributed694/7€10k€7k▼
Return on contributions (dividend)694€10k€7k▼
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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €12k ▲19.9%
Net result €12k, the highest in the series.
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €4k ▼36%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
09-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 1998
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.
Slagveldstraat 579160 LokerenGround area
117 m²
Building footprint
66 m²
Volume, LiDAR
392 m³
Parcel 46014A0523/00Z003, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Slagveldstraat 57, 9160 Lokeren
since 19982.122.820.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0523/00Z003 | Flanders | 117 m² | 1 · 66 m² | 9.0 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.
Similar companies · same sector, comparable size
KT Labeling
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SPECTROTECH
BE 0468.261.857
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JNSSNS
BE 0763.914.491
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PHONECLICK
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Of 3,210 companies in sector 47400 we hold annual accounts for 1,795. 1,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-12-1998
Fiscal year end30-06
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
62010Computer programming, consultancy and related activities
62100Computer programming
71330
72220
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.