JOMAN
ActiveSummary
JOMAN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €336k and a net result of €34k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-7
Solvency80=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 2.42 in 2024; short-term debt: 31.1% and cash: 10.5% of total assets), and 45.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
54.5%
Return on assets
5.5%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
28 d late
2023
28 d late
2022
28 d early
2021
30 d late
2020
30 d late
2019
91 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€306k
EBIT margin
10.7%
Net result
€34k▼ 51.1%
2024 · €70k
Working capital
€187k▼ 7.5%
2024 · €203k
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
Line20212022202320242025
Turnover€306k
Operating result€33k▲ 13.8%€108k▲ 228%€136k▲ 26.7%€102k▼ 25.1%€54k▼ 47.1%
Net result€20k▲ 44.5%€71k▲ 259%€91k▲ 28.1%€70k▼ 23.8%€34k▼ 51.1%
EBIT margin10.7%
Equity€243k▼ 5.1%€314k▲ 29.3%€305k▼ 2.8%€340k▲ 11.3%€336k▼ 1.2%
Total assets€548k▼ 9.3%€637k▲ 16.2%€637k=€613k▼ 3.8%€616k▲ 0.5%
Debt€305k▼ 12.3%€323k▲ 5.8%€332k▲ 2.8%€273k▼ 17.7%€280k▲ 2.5%
Working capital€118k▼ 16.3%€255k▲ 116%€174k▼ 31.5%€203k▲ 16.1%€187k▼ 7.5%
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 has fallen two years in a row; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €616k
Fixed assets
€237k ▼ 11.6%
Current assets
€379k ▲ 9.8%
Equity and liabilities €616k
Equity
€336k ▼ 1.2%
Debt
€280k ▲ 2.5%
Debt's share of the balance-sheet total rises from 44.6% to 45.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€87k▼
2024 · €135k
Cash flow
€67k▼
2024 · €103k
Current ratio
1.98▼
2024 · 2.42
Debt to equity
0.83▲
2024 · 0.80
ROE
10.1%▼
2024 · 20.5%
ROA
5.5%▼
2024 · 11.3%
Interest coverage
12.28▼
2024 · 26.48
Debt ≤ 1 year
€192k▲
2024 · €143k
Debt > 1 year
€88k▼
2024 · €130k
Income taxes
€14k▼
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €306k | - | - | - | - | - |
| Non-recurring operating income76A | - | - | €52k | €0 | €13k | - |
| Goods, raw materials, services and sundry goods60/61 | €276k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €15k | €28k | €33k | €33k | ▼ 0.4% |
| Other operating charges640/8 | €4k | €4k | €4k | €4k | €3k | ▼ 14.2% |
| Gross operating margin9900 | €51k | €127k | €169k | €139k | €90k | ▼ 35.1% |
| Operating profit (loss)9901 | €33k | €108k | €136k | €102k | €54k | ▼ 47.1% |
| Financial income75/76B | €2k | €175 | €182 | €422 | €761 | ▲ 80.4% |
| Recurring financial income75 | €2k | €175 | €182 | €422 | €761 | ▲ 80.4% |
| Financial charges65/66B | €5k | €5k | €7k | €5k | €7k | ▲ 38.8% |
| Recurring financial charges65 | €5k | €5k | €7k | €5k | €7k | ▲ 38.8% |
| Profit (loss) for the period before taxes9903 | €30k | €103k | €130k | €97k | €48k | ▼ 51.0% |
| Income taxes67/77 | €10k | €31k | €39k | €28k | €14k | ▼ 50.8% |
| Profit (loss) for the period9904 | €20k | €71k | €91k | €70k | €34k | ▼ 51.1% |
| Profit (loss) for the period to be appropriated9905 | €20k | €71k | €91k | €70k | €34k | ▼ 51.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €548k | €637k | €637k | €613k | €616k | ▲ 0.5% |
| Fixed assets21/28 | €280k | €270k | €301k | €268k | €237k | ▼ 11.6% |
| Tangible fixed assets22/27 | €280k | €270k | €301k | €268k | €237k | ▼ 11.6% |
| Land and buildings22 | €278k | €268k | €255k | €241k | €227k | ▼ 5.8% |
| Plant, machinery and equipment23 | €57 | - | - | - | - | - |
| Furniture and vehicles24 | €2k | €2k | €46k | €27k | €10k | ▼ 63.5% |
| Current assets29/58 | €268k | €367k | €336k | €345k | €379k | ▲ 9.8% |
| Amounts receivable within one year40/41 | €107k | €212k | €251k | €168k | €224k | ▲ 32.8% |
| Trade receivables40 | €107k | €212k | €246k | €165k | €218k | ▲ 31.6% |
| Other amounts receivable41 | €163 | €145 | €5k | €3k | €6k | ▲ 105% |
| Current investments50/53 | €107k | €118k | €67k | €79k | €91k | ▲ 15.2% |
| Cash at bank and in hand54/58 | €53k | €36k | €18k | €98k | €65k | ▼ 34.0% |
| Deferred charges and accrued income490/1 | - | €324 | €248 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €548k | €637k | €637k | €613k | €616k | ▲ 0.5% |
| Equity10/15 | €243k | €314k | €305k | €340k | €336k | ▼ 1.2% |
| Contributions10/11 | €6k | €6k | €8k | €8k | €8k | = |
| Reserves13 | €194k | €265k | €253k | €287k | €282k | ▼ 1.7% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €192k | €263k | €253k | €287k | €282k | ▼ 1.7% |
| Profit (loss) carried forward14 | €42k | €42k | €44k | €44k | €45k | ▲ 2.3% |
| Amounts payable17/49 | €305k | €323k | €332k | €273k | €280k | ▲ 2.5% |
| Amounts payable after more than one year17 | €156k | €211k | €170k | €130k | €88k | ▼ 32.4% |
| Financial debts170/4 | €156k | €211k | €170k | €130k | €88k | ▼ 32.4% |
| Amounts payable within one year42/48 | €149k | €112k | €162k | €143k | €192k | ▲ 34.3% |
| Current portion of amounts payable after more than one year42 | €23k | €42k | €46k | €41k | €42k | ▲ 1.7% |
| Trade debts44 | €12k | €14k | €15k | €18k | €5k | ▼ 73.3% |
| Suppliers440/4 | €12k | €14k | €15k | €18k | €5k | ▼ 73.3% |
| Taxes, remuneration and social security45 | €22k | €34k | €54k | €23k | €13k | ▼ 42.3% |
| Taxes450/3 | €22k | €34k | €54k | €23k | €13k | ▼ 42.3% |
| Other amounts payable47/48 | €92k | €22k | €47k | €60k | €131k | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €71k | €91k | €70k | €34k | ▼ 51.1% |
| + Depreciation and write-downs630 | €15k | €15k | €28k | €33k | €33k | ▼ 0.4% |
| Operating cash flow (approximation) | €35k | €86k | €119k | €103k | €67k | ▼ 34.7% |
| Investment in fixed assets (approximation) | - | €-5k | €-59k | €0 | €-2k | ▼ 1,261,150% |
| Change in cash | - | €-17k | €-18k | €80k | €-33k | ▼ 142% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €91k ▲28.1%
Operating result €136k, net result €91k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €14k ▼55%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
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, Hemiksem · 1 establishment unit since 2011
Ground area
441 m²
Building footprint
73 m²
Volume, LiDAR
535 m³
Parcel 11018B0061/00G005, Flanders · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JOMAN
since 20112.202.096.473
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11018B0061/00G005 | Flanders | 441 m² | 1 · 73 m² | 8.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 33 EUR awarded · 33 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 33 EUR | 33 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,515 companies in sector 82990 we hold annual accounts for 9,408. 6,403 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
Founded09-09-2011
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
47120Other non-specialised retail sale
68203Renting and operating of own or leased non-residential real estate, excluding land
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.