JOMA
ActiveSummary
JOMA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €3k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 58% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability55▲+11
Solvency75▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.33 against 2.21 in 2024; short-term debt: 6.7% and cash: 14.7% of total assets), and 49.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
4 d early
2022
29 d late
2021
26 d late
2020
24 d late
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€176k▲ 1.6%
2024 · €173k
2019: €132klowest in 7 years
2020: €158k▲ +19.7% vs 2019
2021: €189k▲ +19.2% vs 2020highest in 7 years
2022: €179k▼ -5.3% vs 2021
2023: €181k▲ +1.1% vs 2022
2024: €173k▼ -4.1% vs 2023
2025: €176k▲ +1.6% vs 2024
2019 → 2025
Total assets
€349k▼ 14.3%
2024 · €407k
2019: €553k
2020: €559k▲ +1.1% vs 2019
2021: €576k▲ +2.9% vs 2020highest in 7 years
2022: €487k▼ -15.3% vs 2021
2023: €422k▼ -13.4% vs 2022
2024: €407k▼ -3.5% vs 2023
2025: €349k▼ -14.3% vs 2024lowest in 7 years
2019 → 2025
Net result
€3k
2024 · €-7k
2019: €9k
2020: €26k▲ +179% vs 2019
2021: €30k▲ +16.7% vs 2020highest in 7 years
2022: €-10k▼ -133% vs 2021lowest in 7 years
2023: €2k▲ +120% vs 2022
2024: €-7k▼ -460% vs 2023
2025: €3k▲ +137% vs 2024
2019 → 2025
Working capital
€101k▲ 23.2%
2024 · €82k
2019: €53k
2020: €46k▼ -13.5% vs 2019lowest in 7 years
2021: €74k▲ +60.7% vs 2020
2022: €72k▼ -2.9% vs 2021
2023: €74k▲ +3.5% vs 2022
2024: €82k▲ +10.4% vs 2023
2025: €101k▲ +23.2% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€189k-€179k▼ 5.3%€181k▲ 1.1%€173k▼ 4.1%€176k▲ 1.6%
2021: €189khighest in 5 years
2022: €179k▼ -5.3% vs 2021
2023: €181k▲ +1.1% vs 2022
2024: €173k▼ -4.1% vs 2023lowest in 5 years
2025: €176k▲ +1.6% vs 2024
Operating result€59k-€-3k€12k€6k▼ 46.1%€14k▲ 115%
2021: €59khighest in 5 years
2022: €-3k▼ -105% vs 2021lowest in 5 years
2023: €12k▲ +503% vs 2022
2024: €6k▼ -46.1% vs 2023
2025: €14k▲ +115% vs 2024
Net result€30k-€-10k€2k€-7k€3k
2021: €30khighest in 5 years
2022: €-10k▼ -133% vs 2021lowest in 5 years
2023: €2k▲ +120% vs 2022
2024: €-7k▼ -460% vs 2023
2025: €3k▲ +137% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 115% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€225k ▼ 12.6%
Current assets
€124k ▼ 17.1%
Equity and liabilities €349k
Equity
€176k ▲ 1.6%
Debt
€173k ▼ 26.0%
Debt's share of the balance-sheet total falls from 57.4% to 49.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €52k
Cash flow
€28k▼
2024 · €38k
Current ratio
5.33▲
2024 · 2.21
Quick ratio
4.79▲
2024 · 1.84
Debt to equity
0.98▼
2024 · 1.35
ROE
1.6%▲
2024 · -4.3%
ROA
0.8%▲
2024 · -1.8%
Interest coverage
4.26▲
2024 · 3.26
Debt ≤ 1 year
€23k▼
2024 · €68k
Debt > 1 year
€150k▼
2024 · €166k
Income taxes
€4k▲
2024 · €237
Staff costs
€44k▼
2024 · €70k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€407k€349k▼
Fixed assets21/28€257k€225k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€257k€225k▼
Land and buildings22€230k€213k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€23k€9k▼
Current assets29/58€150k€124k▼
Stocks and contracts in progress3€25k€13k▼
Stocks30/36€25k€13k▼
Amounts receivable within one year40/41€59k€52k▼
Trade receivables40€33k€29k▼
Other amounts receivable41€25k€24k▼
Cash at bank and in hand54/58€58k€51k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€407k€349k▼
Equity10/15€173k€176k▲
Contributions10/11€19k€19k=
Reserves13€170k€170k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€157k€157k=
Profit (loss) carried forward14€-15k€-13k▲
Amounts payable17/49€234k€173k▼
Amounts payable after more than one year17€166k€150k▼
Financial debts170/4€166k€150k▼
Amounts payable within one year42/48€68k€23k▼
Current portion of amounts payable after more than one year42€16k€10k▼
Trade debts44€40k€6k▼
Suppliers440/4€40k€6k▼
Taxes, remuneration and social security45€12k€7k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€7k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€70k€44k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€26k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€123k€85k▼
Operating profit (loss)9901€6k€14k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€16k€9k▼
Recurring financial charges65€16k€9k▼
Profit (loss) for the period before taxes9903€-7k€6k▲
Income taxes67/77€237€4k▲
Profit (loss) for the period9904€-7k€3k▲
Profit (loss) for the period to be appropriated9905€-7k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-13k▲
Profit (loss) brought forward from the previous period14P€-8k€-15k▼
Social balance
Average headcount (FTE)90871.00.9▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | - | - | €7k | - |
| Remuneration, social security and pensions62 | - | €61k | €63k | €70k | €44k | ▼ 37.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45k | €49k | €44k | €45k | €26k | ▼ 43.0% |
| Other operating charges640/8 | - | €2k | €2k | €2k | €2k | ▼ 10.2% |
| Gross operating margin9900 | €177k | €109k | €120k | €123k | €85k | ▼ 31.1% |
| Operating profit (loss)9901 | €59k | €-3k | €12k | €6k | €14k | ▲ 115% |
| Financial income75/76B | - | €3k | €749 | €2k | €2k | ▼ 18.8% |
| Recurring financial income75 | €2k | €3k | €749 | €2k | €2k | ▼ 18.8% |
| Financial charges65/66B | - | €10k | €10k | €16k | €9k | ▼ 41.3% |
| Recurring financial charges65 | €22k | €10k | €10k | €16k | €9k | ▼ 41.3% |
| Profit (loss) for the period before taxes9903 | €39k | €-10k | €3k | €-7k | €6k | ▲ 188% |
| Income taxes67/77 | €9k | €94 | €667 | €237 | €4k | ▲ 1,399% |
| Profit (loss) for the period9904 | €30k | €-10k | €2k | €-7k | €3k | ▲ 137% |
| Profit (loss) for the period to be appropriated9905 | €30k | €-10k | €2k | €-7k | €3k | ▲ 137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €576k | €487k | €422k | €407k | €349k | ▼ 14.3% |
| Fixed assets21/28 | €378k | €326k | €287k | €257k | €225k | ▼ 12.6% |
| Intangible fixed assets21 | €1 | €1 | €1 | €1 | €1 | = |
| Tangible fixed assets22/27 | €374k | €324k | €287k | €257k | €225k | ▼ 12.6% |
| Land and buildings22 | - | €266k | €247k | €230k | €213k | ▼ 7.7% |
| Plant, machinery and equipment23 | - | €202 | - | €4k | €3k | ▼ 21.7% |
| Furniture and vehicles24 | - | €58k | €40k | €23k | €9k | ▼ 60.7% |
| Financial fixed assets28 | €4k | €2k | - | - | - | - |
| Current assets29/58 | €197k | €161k | €135k | €150k | €124k | ▼ 17.1% |
| Stocks and contracts in progress3 | €10k | €42k | €28k | €25k | €13k | ▼ 49.6% |
| Stocks30/36 | - | €42k | €28k | €25k | €13k | ▼ 49.6% |
| Amounts receivable within one year40/41 | €142k | €70k | €39k | €59k | €52k | ▼ 10.8% |
| Trade receivables40 | - | €69k | €23k | €33k | €29k | ▼ 13.3% |
| Other amounts receivable41 | - | €515 | €16k | €25k | €24k | ▼ 7.5% |
| Cash at bank and in hand54/58 | €38k | €43k | €61k | €58k | €51k | ▼ 12.3% |
| Deferred charges and accrued income490/1 | - | €7k | €7k | €7k | €8k | ▲ 5.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €576k | €487k | €422k | €407k | €349k | ▼ 14.3% |
| Equity10/15 | €189k | €179k | €181k | €173k | €176k | ▲ 1.6% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €170k | €170k | €170k | €170k | €170k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €12k | €12k | €12k | €12k | = |
| Distributable reserves133 | - | €157k | €157k | €157k | €157k | = |
| Profit (loss) carried forward14 | - | €-10k | €-8k | €-15k | €-13k | ▲ 17.8% |
| Amounts payable17/49 | €387k | €309k | €241k | €234k | €173k | ▼ 26.0% |
| Amounts payable after more than one year17 | €264k | €219k | €180k | €166k | €150k | ▼ 9.8% |
| Financial debts170/4 | - | €219k | €180k | €166k | €150k | ▼ 9.8% |
| Amounts payable within one year42/48 | €123k | €90k | €61k | €68k | €23k | ▼ 65.7% |
| Current portion of amounts payable after more than one year42 | - | €45k | €39k | €16k | €10k | ▼ 36.8% |
| Trade debts44 | €42k | €23k | €13k | €40k | €6k | ▼ 83.8% |
| Suppliers440/4 | - | €23k | €13k | €40k | €6k | ▼ 83.8% |
| Advances received on contracts in progress46 | - | €12k | - | - | - | - |
| Taxes, remuneration and social security45 | - | €10k | €8k | €12k | €7k | ▼ 44.1% |
| Taxes450/3 | - | €8k | €5k | €5k | €3k | ▼ 24.3% |
| Remuneration and social security454/9 | - | €2k | €3k | €7k | €3k | ▼ 56.8% |
| Other amounts payable47/48 | - | - | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30k | €-10k | €2k | €-7k | €3k | ▲ 137% |
| + Depreciation and write-downs630 | €45k | €49k | €44k | €45k | €26k | ▼ 43.0% |
| Operating cash flow (approximation) | €75k | €39k | €46k | €38k | €28k | ▼ 24.6% |
| Investment in fixed assets (approximation) | - | €4k | €-5k | €-16k | €7k | ▲ 143% |
| Change in cash | - | €5k | €18k | €-3k | €-7k | ▼ 177% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-03
Financial
Liquidity doublescurrent ratio 5.33
Current ratio from 2.21 to 5.33; short-term debt falls from €68k to €23k.
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
31-03
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
31-03
Financial
Highest result since 2019net €30k ▲16.7%
Operating result €59k, net result €30k, both a record.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
31-03
Financial
Equity above €150kEq €158k ▲19.7%
2 profitable years in a row build equity to €158k.
Show earlier events
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2018
16-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Moorslede · 1 establishment unit since 2012
Ground area
679 m²
Building footprint
236 m²
Volume, LiDAR
732 m³
Parcel 36003A0608/00G000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOMA
since 20122.209.943.179
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003A0608/00G000 | Flanders | 679 m² | 1 · 236 m² | 8.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 22,815 companies in sector 43211 we hold annual accounts for 10,325. 8,439 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-05-2012
Fiscal year end31-03
Activities, NACEBEL 2025
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
46643Wholesale of electrical equipment, including installation materials
47529Retail trade
Scores and ratios are computed by Checked and are not a credit decision.