JOMA
ActiveJOMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-44k) and a net result of €-20k. Equity is shrinking by ~74.9% per year across the filed fiscal years. Its solvency ranks better than 10% of 3099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
17
/ 100
Critical▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33=
Growth32=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.13 against 0.12 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
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
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
-29.1%
Return on assets
-13.3%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€44k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
27 d late
2023
30 d late
2022
29 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-44k▼ 83.6%
2024 · €-24k
2022: €-1k
2023: €-12k
2024: €-24k
2022 → 2025
Total assets
€151k▲ 109%
2024 · €72k
2022: €39k
2023: €74k
2024: €72k
2022 → 2025
Net result
€-20k▼ 61.3%
2024 · €-12k
2022: €-11k
2023: €-10k
2024: €-12k
2022 → 2025
Working capital
€-170k▼ 101%
2024 · €-85k
2022: €-38k
2023: €-76k
2024: €-85k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-1k-€-12k▼ 689%€-24k▼ 108%€-44k▼ 83.6%
Operating result€-11k-€-10k▲ 12.8%€-12k▼ 25.0%€-20k▼ 61.2%
Net result€-11k-€-10k▲ 12.2%€-12k▼ 23.2%€-20k▼ 61.3%
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 €20k in 2025 against €12k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€126k▲ 108%
Current assets
€24k▲ 113%
Key figures and ratios
EBITDA
€-6k▲
2024 · €-7k
Cash flow
€-6k▲
2024 · €-7k
Solvency
-29.1%▲
2024 · -33.1%
Current ratio
0.13▲
2024 · 0.12
Quick ratio
0.08▲
2024 · 0.03
Debt / equity
-4.43▼
2024 · -4.02
ROE
45.5%▼
2024 · 51.8%
ROA
-13.3%▲
2024 · -17.1%
Debt
€195k▲
2024 · €96k
Debt ≤ 1 year
€195k▲
2024 · €96k
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€72k€151k▲
Fixed assets21/28€61k€126k▲
Tangible fixed assets22/27€61k€126k▲
Plant, machinery and equipment23€59k€52k▼
Furniture and vehicles24€2k€75k▲
Current assets29/58€11k€24k▲
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€1k€624▼
Trade receivables40€145-
Other amounts receivable41€870€624▼
Cash at bank and in hand54/58€2k€15k▲
Deferred charges and accrued income490/1€259€268▲
Equity and liabilities
Total equity and liabilities10/49€72k€151k▲
Equity10/15€-24k€-44k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-34k€-54k▼
Amounts payable17/49€96k€195k▲
Amounts payable within one year42/48€96k€195k▲
Trade debts44€2k€133▼
Suppliers440/4€2k€133▼
Other amounts payable47/48€95k€195k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€14k▲
Other operating charges640/8€846€758▼
Gross operating margin9900€-6k€-5k▲
Operating profit (loss)9901€-12k€-20k▼
Financial charges65/66B€-8-
Recurring financial charges65€-8-
Profit (loss) for the period before taxes9903€-12k€-20k▼
Profit (loss) for the period9904€-12k€-20k▼
Profit (loss) for the period to be appropriated9905€-12k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-54k▼
Profit (loss) brought forward from the previous period14P€-22k€-34k▼
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
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, Zottegem · 1 establishment unit since 2021
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.
Pijperzele 639620 ZottegemGround area
979 m²
Building footprint
236 m²
Volume, LiDAR
1,760 m³
Parcel 41017D0819/00G000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JOMA
since 20212.320.757.563
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41017D0819/00G000 | Flanders | 979 m² | 1 · 236 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZottegem2.320.757.563
Similar companies · same sector and region
JOP Works
BE 1020.983.990
Zottegem
't Schaaphof
BE 0783.445.838
Deinze
AGRERO
BE 0464.871.510
Beveren-Kruibeke-Zwijndrecht
Agri Chicon
BE 0789.336.807
Oosterzele
ALGO
BE 0465.183.690
Maldegem
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 3,615 companies in sector 01130 we hold annual accounts for 783.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2021
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01210Crop and animal production, hunting and related service activities
01240Growing of pome and stone fruits
11010Manufacture of beverages
11020Manufacture of beverages
11040Manufacture of beverages
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
1 entryE-mail:marijke.troncquo@gmail.com