Jomal
ActiveSummary
Jomal has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.1m and a net result of €125,264. Equity is growing by ~11.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210,000 at 30 days acceptable
Liquidity ample (current ratio 4.56 against 4.46 in 2024; short-term debt: 14.7% and cash: 1% of total assets), and 19.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
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
80.4%
Return on assets
3.2%
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 23-01-2026, 97 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
97 d early
2024
90 d early
2023
13 d early
2022
27 d early
2020
2 d late
2019
1 d late
2018
16 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 3 March (3 of the last 4 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3.1m▲ 4.1%
2024 · €3.0m
Total assets
€3.9m▲ 3.8%
2024 · €3.8m
Net result
€125,264▲ 25.6%
2024 · €99,716
Working capital
€2.0m▲ 8.1%
2024 · €1.9m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Operating result-€6,641€1.2m--€14,704€3,825€8,216▲ 115%
Net result-€21,359€2.6m--€53€99,716€125,264▲ 25.6%
Equity€1.0m▲ 1.7%€2.9m-€2.9m=€3.0m▲ 3.4%€3.1m▲ 4.1%
Total assets€2.6m▼ 1.1%€3.8m-€3.7m▼ 3.4%€3.8m▲ 2.4%€3.9m▲ 3.8%
Debt€1.3m▼ 0.1%€674,134-€550,315▼ 18.4%€547,752▼ 0.5%€575,862▲ 5.1%
Working capital-€693,726▼ 1.0%€2.2m-€1.8m▼ 18.3%€1.9m▲ 6.4%€2.0m▲ 8.1%
Turnover and EBIT margin not published: the abbreviated or 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 115% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.9m
Fixed assets
€1.3m ▼ 2.7%
Current assets
€2.6m ▲ 7.4%
Equity and liabilities €3.9m
Equity
€3.1m ▲ 4.1%
Provisions
€187,704 ▼ 3.6%
Debt
€575,862 ▲ 5.1%
Debt's share of the balance-sheet total rises from 14.6% to 14.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43,839▲
2024 · €41,947
Cash flow
€160,888▲
2024 · €137,838
Current ratio
4.56▲
2024 · 4.46
Debt to equity
0.18▲
2024 · 0.18
ROE
4.0%▲
2024 · 3.3%
ROA
3.2%▲
2024 · 2.7%
Interest coverage
1.14▼
2024 · 1.15
Debt ≤ 1 year
€572,329▲
2024 · €544,529
Income taxes
€31,691▼
2024 · €55,499
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1.3m | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,483 | €37,917 | €46,292 | €38,122 | €35,624 | ▼ 6.6% |
| Other operating charges640/8 | - | €22,553 | €4,743 | €8,369 | €8,407 | ▲ 0.5% |
| Gross operating margin9900 | €19,237 | €1.3m | €36,330 | €50,316 | €52,246 | ▲ 3.8% |
| Operating profit (loss)9901 | -€6,641 | €1.2m | -€14,704 | €3,825 | €8,216 | ▲ 115% |
| Financial income75/76B | - | €1.9m | €194,528 | €180,762 | €291,651 | ▲ 61.3% |
| Recurring financial income75 | €1,350 | €2,667 | €194,528 | €180,762 | €180,101 | ▼ 0.4% |
| Non-recurring financial income76B | - | €1.9m | €0 | - | €111,550 | - |
| Financial charges65/66B | - | €7,306 | €137,854 | €36,449 | €149,989 | ▲ 312% |
| Recurring financial charges65 | €21,124 | €7,306 | €26,304 | €36,449 | €38,439 | ▲ 5.5% |
| Non-recurring financial charges66B | - | €0 | €111,550 | €0 | €111,550 | - |
| Profit (loss) for the period before taxes9903 | -€26,415 | €3.1m | €41,970 | €148,138 | €149,878 | ▲ 1.2% |
| Transfer from deferred taxes780 | - | €7,148 | €6,629 | €7,077 | €7,077 | = |
| Income taxes67/77 | €0 | €526,420 | €48,651 | €55,499 | €31,691 | ▼ 42.9% |
| Profit (loss) for the period9904 | -€21,359 | €2.6m | -€53 | €99,716 | €125,264 | ▲ 25.6% |
| Transfer from tax-exempt reserves789 | - | €21,443 | €19,887 | €21,230 | €21,230 | = |
| Profit (loss) for the period to be appropriated9905 | -€9,322 | €2.6m | €19,834 | €120,945 | €146,494 | ▲ 21.1% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.6m | €3.8m | €3.7m | €3.8m | €3.9m | ▲ 3.8% |
| Fixed assets21/28 | €2.4m | €957,888 | €1.3m | €1.3m | €1.3m | ▼ 2.7% |
| Tangible fixed assets22/27 | €1.5m | €846,338 | €1.3m | €1.3m | €1.3m | ▼ 2.7% |
| Land and buildings22 | - | €846,338 | €1.3m | €1.3m | €1.3m | ▼ 2.7% |
| Financial fixed assets28 | €913,017 | €111,550 | €0 | - | - | - |
| Current assets29/58 | €134,219 | €2.8m | €2.3m | €2.4m | €2.6m | ▲ 7.4% |
| Amounts receivable after more than one year29 | - | €2.0m | €0 | - | - | - |
| Other amounts receivable291 | - | €2.0m | €0 | - | - | - |
| Amounts receivable within one year40/41 | €3,087 | €0 | €2.0m | €2.0m | €2.0m | ▼ 0.3% |
| Trade receivables40 | - | €0 | - | - | - | - |
| Other amounts receivable41 | - | €0 | €2.0m | €2.0m | €2.0m | ▼ 0.3% |
| Current investments50/53 | €32,465 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Cash at bank and in hand54/58 | €96,095 | €832,475 | €119,148 | €38,595 | €40,778 | ▲ 5.7% |
| Deferred charges and accrued income490/1 | - | €7,692 | €201,915 | €385,628 | €568,749 | ▲ 47.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.6m | €3.8m | €3.7m | €3.8m | €3.9m | ▲ 3.8% |
| Equity10/15 | €1.0m | €2.9m | €2.9m | €3.0m | €3.1m | ▲ 4.1% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €726,902 | €2.9m | €2.9m | €3.0m | €3.1m | ▲ 4.1% |
| Non-distributable reserves130/1 | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | €0 | - | - | - | - |
| Tax-exempt reserves132 | - | €625,459 | €605,572 | €584,342 | €563,112 | ▼ 3.6% |
| Distributable reserves133 | - | €2.3m | €2.3m | €2.4m | €2.6m | ▲ 6.0% |
| Profit (loss) carried forward14 | -€412,796 | €0 | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €215,634 | €208,486 | €201,857 | €194,781 | €187,704 | ▼ 3.6% |
| Deferred taxes168 | - | €208,486 | €201,857 | €194,781 | €187,704 | ▼ 3.6% |
| Amounts payable17/49 | €1.3m | €674,134 | €550,315 | €547,752 | €575,862 | ▲ 5.1% |
| Amounts payable after more than one year17 | €500,000 | €0 | - | - | - | - |
| Financial debts170/4 | - | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €827,945 | €672,130 | €549,070 | €544,529 | €572,329 | ▲ 5.1% |
| Trade debts44 | €1,377 | €0 | €74 | €3,939 | €766 | ▼ 80.6% |
| Suppliers440/4 | - | €0 | €74 | €3,939 | €766 | ▼ 80.6% |
| Taxes, remuneration and social security45 | - | €177,494 | €43,571 | €0 | €18,500 | - |
| Taxes450/3 | - | €177,494 | €43,571 | €0 | €18,500 | - |
| Other amounts payable47/48 | - | €494,636 | €505,425 | €540,590 | €553,064 | ▲ 2.3% |
| Accrued charges and deferred income492/3 | - | €2,003 | €1,246 | €3,222 | €3,533 | ▲ 9.6% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,359 | €2.6m | -€53 | €99,716 | €125,264 | ▲ 25.6% |
| + Depreciation and write-downs630 | €21,483 | €37,917 | €46,292 | €38,122 | €35,624 | ▼ 6.6% |
| Operating cash flow (approximation) | €124 | €2.6m | €46,239 | €137,838 | €160,888 | ▲ 16.7% |
| Investment in fixed assets (approximation) | - | - | -€434,896 | -€18,271 | €0 | ▲ 100% |
| Change in cash | - | - | -€713,327 | -€80,553 | €2,183 | ▲ 103% |
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
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €99,716
Net result €99,716 after one loss-making year.
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €2.6m
Net result €2.6m after one loss-making year.
30-09
Financial
Liquidity times 26current ratio 4.23
Current ratio from 0.16 to 4.23; short-term debt falls from €827,945 to €672,130.
30-09
Financial
Equity above €2mEq €2.9m ▲184%
Equity rises from €1.0m to €2.9m.
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 2 days late
2020
30-11
Financial
Weakest financial yearnet -€21,359
Net result drops to -€21,359, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 1 day late
2019
30-11
Financial
Equity above €1mEq €1.0m ▲6.3%
2 profitable years in a row build equity to €1.0m.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
17-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Ardooie
Ground area
1.2 ha
Building footprint
403 m²
Volume, LiDAR
2,595 m³
Parcel 36001C0681/00D000, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001C0681/00D000 | Flanders | 1.2 ha | 1 · 403 m² | 11.5 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2024 list no shareholders, and no other source names one.
Holdings 1
-
26.56%
According to the annual accounts to 30-09-2024 of Jomal and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Identification & contact
Identification
Legal formPrivate limited company
Founded25-09-1984
Fiscal year end30-09
E-invoicing
Reachable via Peppol
Peppol ID
0208:0427273815
Also
0208:427273815
Registered
27-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
1. Samenstelling bureau 2. Verslagen 3. Goedkeuring jaarrekening per 31.12.2004 4. Bestemming van het resultaat 5. Verlenen van kwijtingen 6. Ontslagen, benoemingen en bezoldigingen 7. Rondvraag Het bestuur vraagt de aandeelhouders zich te gedragen conform de statuten. De stukken bedoeld in artikel 553 Wet. venn. zijn voor de aandeelhouders beschikbaar op de zetel van de vennootschap. Indien de algemene vergadering besluit een dividend uit te keren zal dit betaalbaar worden gesteld bij de vestigingen van Dexia vanaf 20.06.2005. (73914) Isitec, naamloze vennootschap, Oude Zandstraat 83, 9120 Beveren-Waas BTW 445.599.192 — RPR Sint-Niklaas Jaarvergadering op 20.05.2005, om 20 uur, op de zetel. ...