JOMAR
ActiveJOMAR has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €366k and a net result of €51k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 19905 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-6
Solvency74▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.64 against 3.19 in 2023; short-term debt: 16.3% and cash: 0% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
163 d late
2022
73 d late
2021
80 d late
2020
38 d early
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€366k▲ 20.9%
2023 · €303k
2018: €76k
2019: €100k
2020: €146k
2021: €181k
2022: €225k
2023: €303k
2018 → 2024
Total assets
€741k▲ 7.9%
2023 · €687k
2018: €400k
2019: €399k
2020: €430k
2021: €566k
2022: €628k
2023: €687k
2018 → 2024
Net result
€51k▼ 34.5%
2023 · €78k
2018: €17k
2019: €23k
2020: €46k
2021: €36k
2022: €44k
2023: €78k
2018 → 2024
Working capital
€318k▲ 29.4%
2023 · €246k
2018: €34k
2019: €34k
2020: €63k
2021: €154k
2022: €165k
2023: €246k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€146k-€181k▲ 24.5%€225k▲ 24.1%€303k▲ 34.5%€366k▲ 20.9%
Operating result€71k-€55k▼ 22.2%€73k▲ 33.0%€114k▲ 56.8%€92k▼ 19.6%
Net result€46k-€36k▼ 22.2%€44k▲ 22.4%€78k▲ 77.4%€51k▼ 34.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €741k
Fixed assets
€301k▼ 8.2%
Current assets
€439k▲ 22.5%
Equity and liabilities €741k
Equity
€366k▲ 20.9%
Provisions
€56k=
Debt
€318k▼ 2.8%
The debt ratio falls from 47.7% to 42.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▼
2023 · €144k
Cash flow
€83k▼
2023 · €107k
Solvency
49.4%▲
2023 · 44.1%
Current ratio
3.64▲
2023 · 3.19
Quick ratio
3.64▲
2023 · 3.19
Debt / equity
0.87▼
2023 · 1.08
ROE
13.9%▼
2023 · 25.6%
ROA
6.9%▼
2023 · 11.3%
Interest coverage
7.16▼
2023 · 7.89
Debt
€318k▼
2023 · €327k
Debt ≤ 1 year
€121k▲
2023 · €112k
Debt > 1 year
€197k▼
2023 · €215k
Income taxes
€46k▲
2023 · €34k
Staff costs
€17▼
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€687k€741k▲
Fixed assets21/28€328k€301k▼
Tangible fixed assets22/27€328k€301k▼
Land and buildings22€320k€296k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€84€84=
Current assets29/58€358k€439k▲
Amounts receivable within one year40/41€357k€436k▲
Trade receivables40€275€10k▲
Other amounts receivable41€356k€426k▲
Cash at bank and in hand54/58€0€0=
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€687k€741k▲
Equity10/15€303k€366k▲
Contributions10/11€6k€19k▲
Reserves13€297k€348k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€295k€348k▲
Provisions and deferred taxes16€56k€56k=
Provisions for liabilities and charges160/5€56k€56k=
Other liabilities and charges164/5€56k€56k=
Amounts payable17/49€327k€318k▼
Amounts payable after more than one year17€215k€197k▼
Financial debts170/4€215k€197k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€112k€121k▲
Current portion of amounts payable after more than one year42€19k€18k▼
Financial debts43€7k€8k▲
Credit institutions430/8€7k€8k▲
Trade debts44€32k€35k▲
Suppliers440/4€32k€35k▲
Taxes, remuneration and social security45€54k€59k▲
Taxes450/3€52k€59k▲
Remuneration and social security454/9€2k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€9k€17▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€520€126▼
Gross operating margin9900€157k€128k▼
Operating profit (loss)9901€114k€92k▼
Financial income75/76B€16k€23k▲
Recurring financial income75€16k€23k▲
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€112k€97k▼
Income taxes67/77€34k€46k▲
Profit (loss) for the period9904€78k€51k▼
Profit (loss) for the period to be appropriated9905€78k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€51k▼
Transfer to equity691/2€78k€51k▼
To the legal reserve6920€78k€51k▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 163 days late
2023
31-12
Financial
Highest result since 2018net €78k ▲77.4%
Operating result €114k, net result €78k, both a record.
12-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 73 days late
2022
31-12
Financial
Equity above €200kEq €225k ▲24.1%
5 profitable years in a row build equity to €225k.
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 80 days late
2021
31-12
Financial
Equity above €150kEq €181k ▲24.5%
4 profitable years in a row build equity to €181k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €146k ▲46.1%
3 profitable years in a row build equity to €146k.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ronse · 1 establishment unit since 2001
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.
Elzeelsesteenweg 5269600 RonseGround area
2,001 m²
Building footprint
198 m²
Volume, LiDAR
960 m³
Parcel 45422C1397/00E000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Elzeelsesteenweg 526, 9600 Ronse
since 20012.093.052.340
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C1397/00E000 | Flanders | 2,001 m² | 1 · 198 m² | 7.4 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.
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,807. 1,113 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-1999
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
93022
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.