JOMAR
ActiveSummary
JOMAR has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.97M and a net result of €33k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▲+1
Solvency70▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 3.27 in 2024; short-term debt: 30.9% and cash: 6.1% of total assets), but 54.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
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
45.1%
Return on assets
0.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
on the day
2022
4 d early
2021
8 d late
2020
1 d late
2019
27 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.97M▲ 1.1%
2024 · €2.93M
2019: €2.36Mlowest in 7 years
2020: €2.41M▲ +2.2% vs 2019
2021: €2.78M▲ +15.4% vs 2020
2022: €2.84M▲ +2.1% vs 2021
2023: €2.94M▲ +3.7% vs 2022
2024: €2.93M▼ -0.4% vs 2023
2025: €2.97M▲ +1.1% vs 2024highest in 7 years
2019 → 2025
Total assets
€6.57M▲ 21.4%
2024 · €5.41M
2019: €3.59M
2020: €3.23M▼ -10.0% vs 2019lowest in 7 years
2021: €3.69M▲ +14.2% vs 2020
2022: €3.53M▼ -4.3% vs 2021
2023: €4.72M▲ +33.8% vs 2022
2024: €5.41M▲ +14.6% vs 2023
2025: €6.57M▲ +21.4% vs 2024highest in 7 years
2019 → 2025
Net result
€33k
2024 · €-12k
2019: €-26klowest in 7 years
2020: €53k▲ +301% vs 2019
2021: €371k▲ +604% vs 2020highest in 7 years
2022: €59k▼ -84.1% vs 2021
2023: €106k▲ +79.9% vs 2022
2024: €-12k▼ -112% vs 2023
2025: €33k▲ +373% vs 2024
2019 → 2025
Working capital
€1.64M▼ 3.6%
2024 · €1.70M
2019: €984klowest in 7 years
2020: €1.02M▲ +3.8% vs 2019
2021: €1.37M▲ +33.8% vs 2020
2022: €1.41M▲ +3.3% vs 2021
2023: €1.87M▲ +32.3% vs 2022highest in 7 years
2024: €1.70M▼ -8.8% vs 2023
2025: €1.64M▼ -3.6% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.78M-€2.84M▲ 2.1%€2.94M▲ 3.7%€2.93M▼ 0.4%€2.97M▲ 1.1%
2021: €2.78Mlowest in 5 years
2022: €2.84M▲ +2.1% vs 2021
2023: €2.94M▲ +3.7% vs 2022
2024: €2.93M▼ -0.4% vs 2023
2025: €2.97M▲ +1.1% vs 2024highest in 5 years
Operating result€487k-€65k▼ 86.7%€141k▲ 117%€-112k€120k
2021: €487khighest in 5 years
2022: €65k▼ -86.7% vs 2021
2023: €141k▲ +117% vs 2022
2024: €-112k▼ -179% vs 2023lowest in 5 years
2025: €120k▲ +208% vs 2024
Net result€371k-€59k▼ 84.1%€106k▲ 79.9%€-12k€33k
2021: €371khighest in 5 years
2022: €59k▼ -84.1% vs 2021
2023: €106k▲ +79.9% vs 2022
2024: €-12k▼ -112% vs 2023lowest in 5 years
2025: €33k▲ +373% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €120k after a loss of €112k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.57M
Fixed assets
€2.90M ▼ 2.1%
Current assets
€3.67M ▲ 49.8%
Equity and liabilities €6.57M
Equity
€2.97M ▲ 1.1%
Debt
€3.60M ▲ 45.4%
Debt's share of the balance-sheet total rises from 45.8% to 54.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€255k▲
2024 · €138k
Cash flow
€168k▼
2024 · €238k
Current ratio
1.81▼
2024 · 3.27
Quick ratio
1.02▼
2024 · 2.88
Debt to equity
1.22▲
2024 · 0.85
ROE
1.1%▲
2024 · -0.4%
ROA
0.5%▲
2024 · -0.2%
Interest coverage
2.39▲
2024 · 2.30
Debt ≤ 1 year
€2.03M▲
2024 · €750k
Debt > 1 year
€1.55M▼
2024 · €1.71M
Income taxes
€11k▲
2024 · €2k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.41M€6.57M▲
Fixed assets21/28€2.96M€2.90M▼
Tangible fixed assets22/27€2.62M€2.56M▼
Land and buildings22€2.58M€2.46M▼
Furniture and vehicles24€44k€35k▼
Leasing and similar rights25-€69k
Financial fixed assets28€338k€338k=
Current assets29/58€2.45M€3.67M▲
Stocks and contracts in progress3€291k€1.61M▲
Stocks30/36€291k€1.61M▲
Amounts receivable within one year40/41€1.84M€1.59M▼
Trade receivables40€241k€144k▼
Other amounts receivable41€1.60M€1.44M▼
Cash at bank and in hand54/58€250k€401k▲
Deferred charges and accrued income490/1€66k€78k▲
Equity and liabilities
Total equity and liabilities10/49€5.41M€6.57M▲
Equity10/15€2.93M€2.97M▲
Contributions10/11€276k€276k=
Capital10€276k€276k=
Issued capital100€276k€276k=
Reserves13€2.66M€2.69M▲
Non-distributable reserves130/1€28k€28k=
Legal reserve130€28k€28k=
Distributable reserves133€2.63M€2.66M▲
Amounts payable17/49€2.48M€3.60M▲
Amounts payable after more than one year17€1.71M€1.55M▼
Financial debts170/4€1.71M€1.55M▼
Amounts payable within one year42/48€750k€2.03M▲
Current portion of amounts payable after more than one year42€196k€213k▲
Financial debts43-€144k
Credit institutions430/8-€144k
Trade debts44€225k€344k▲
Suppliers440/4€225k€344k▲
Advances received on contracts in progress46€158k€992k▲
Taxes, remuneration and social security45€21k€189k▲
Taxes450/3€21k€189k▲
Other amounts payable47/48€150k€149k▼
Accrued charges and deferred income492/3€23k€26k▲
Income statement
Code20242025
Non-recurring operating income76A€0€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250k€135k▼
Other operating charges640/8€189k€31k▼
Gross operating margin9900€328k€285k▼
Operating profit (loss)9901€-112k€120k▲
Financial income75/76B€161k€31k▼
Recurring financial income75€161k€31k▼
Financial charges65/66B€60k€106k▲
Recurring financial charges65€60k€106k▲
Profit (loss) for the period before taxes9903€-11k€45k▲
Income taxes67/77€2k€11k▲
Profit (loss) for the period9904€-12k€33k▲
Profit (loss) for the period to be appropriated9905€-12k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€33k▲
Transfer from equity791/2€12k€0▼
Transfer to equity691/2€0€33k▲
To other reserves6921€0€33k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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 | - | - | €35k | €0 | €23k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55k | €58k | €88k | €250k | €135k | ▼ 46.2% |
| Other operating charges640/8 | - | €11k | €122k | €189k | €31k | ▼ 83.9% |
| Gross operating margin9900 | €550k | €134k | €350k | €328k | €285k | ▼ 13.0% |
| Operating profit (loss)9901 | €487k | €65k | €141k | €-112k | €120k | ▲ 208% |
| Financial income75/76B | - | €30k | €34k | €161k | €31k | ▼ 80.8% |
| Recurring financial income75 | €21k | €30k | €34k | €161k | €31k | ▼ 80.8% |
| Financial charges65/66B | - | €8k | €27k | €60k | €106k | ▲ 77.2% |
| Recurring financial charges65 | €10k | €8k | €27k | €60k | €106k | ▲ 77.2% |
| Profit (loss) for the period before taxes9903 | €498k | €86k | €147k | €-11k | €45k | ▲ 518% |
| Income taxes67/77 | €127k | €28k | €42k | €2k | €11k | ▲ 608% |
| Profit (loss) for the period9904 | €371k | €59k | €106k | €-12k | €33k | ▲ 373% |
| Transfer from tax-exempt reserves789 | - | €93k | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €371k | €152k | €106k | €-12k | €33k | ▲ 373% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.69M | €3.53M | €4.72M | €5.41M | €6.57M | ▲ 21.4% |
| Fixed assets21/28 | €1.61M | €1.55M | €1.95M | €2.96M | €2.90M | ▼ 2.1% |
| Tangible fixed assets22/27 | €1.28M | €1.22M | €1.60M | €2.62M | €2.56M | ▼ 2.3% |
| Land and buildings22 | - | €1.21M | €1.60M | €2.58M | €2.46M | ▼ 4.7% |
| Furniture and vehicles24 | - | €7k | €3k | €44k | €35k | ▼ 20.1% |
| Leasing and similar rights25 | - | - | - | - | €69k | - |
| Financial fixed assets28 | €328k | €328k | €348k | €338k | €338k | = |
| Current assets29/58 | €2.08M | €1.98M | €2.77M | €2.45M | €3.67M | ▲ 49.8% |
| Stocks and contracts in progress3 | €191k | €0 | €70k | €291k | €1.61M | ▲ 451% |
| Stocks30/36 | - | €0 | €70k | €291k | €1.61M | ▲ 451% |
| Amounts receivable within one year40/41 | €1.10M | €1.81M | €2.18M | €1.84M | €1.59M | ▼ 14.0% |
| Trade receivables40 | - | €23k | €23k | €241k | €144k | ▼ 40.2% |
| Other amounts receivable41 | - | €1.79M | €2.15M | €1.60M | €1.44M | ▼ 10.0% |
| Cash at bank and in hand54/58 | €787k | €161k | €520k | €250k | €401k | ▲ 60.6% |
| Deferred charges and accrued income490/1 | - | €8k | €5k | €66k | €78k | ▲ 18.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.69M | €3.53M | €4.72M | €5.41M | €6.57M | ▲ 21.4% |
| Equity10/15 | €2.78M | €2.84M | €2.94M | €2.93M | €2.97M | ▲ 1.1% |
| Contributions10/11 | €276k | €276k | €276k | €276k | €276k | = |
| Capital10 | - | €276k | €276k | €276k | €276k | = |
| Issued capital100 | - | €276k | €276k | €276k | €276k | = |
| Reserves13 | €2.50M | €2.56M | €2.67M | €2.66M | €2.69M | ▲ 1.3% |
| Non-distributable reserves130/1 | - | €28k | €28k | €28k | €28k | = |
| Legal reserve130 | - | €28k | €28k | €28k | €28k | = |
| Tax-exempt reserves132 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €2.53M | €2.64M | €2.63M | €2.66M | ▲ 1.3% |
| Amounts payable17/49 | €907k | €690k | €1.78M | €2.48M | €3.60M | ▲ 45.4% |
| Amounts payable after more than one year17 | €188k | €116k | €855k | €1.71M | €1.55M | ▼ 9.3% |
| Financial debts170/4 | - | €116k | €855k | €1.71M | €1.55M | ▼ 9.3% |
| Amounts payable within one year42/48 | €714k | €569k | €904k | €750k | €2.03M | ▲ 171% |
| Current portion of amounts payable after more than one year42 | - | €72k | €109k | €196k | €213k | ▲ 9.0% |
| Financial debts43 | - | €0 | - | - | €144k | - |
| Credit institutions430/8 | - | €0 | - | - | €144k | - |
| Trade debts44 | €2k | €8k | €23k | €225k | €344k | ▲ 53.1% |
| Suppliers440/4 | - | €8k | €23k | €225k | €344k | ▲ 53.1% |
| Advances received on contracts in progress46 | - | €483 | €619 | €158k | €992k | ▲ 526% |
| Taxes, remuneration and social security45 | - | €11k | €43k | €21k | €189k | ▲ 820% |
| Taxes450/3 | - | €11k | €43k | €21k | €189k | ▲ 820% |
| Other amounts payable47/48 | - | €477k | €728k | €150k | €149k | ▼ 1.0% |
| Accrued charges and deferred income492/3 | - | €6k | €19k | €23k | €26k | ▲ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €371k | €59k | €106k | €-12k | €33k | ▲ 373% |
| + Depreciation and write-downs630 | €55k | €58k | €88k | €250k | €135k | ▼ 46.2% |
| Operating cash flow (approximation) | €426k | €117k | €193k | €238k | €168k | ▼ 29.3% |
| Investment in fixed assets (approximation) | - | €0 | €-490k | €-1.26M | €-73k | ▲ 94.2% |
| Change in cash | - | €-626k | €358k | €-270k | €151k | ▲ 156% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 3 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
30-06
Financial
Highest result since 2019net €371k ▲604%
Operating result €487k, net result €371k, both a record.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
30-06
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Nieuwpoort · 1 establishment unit since 2005
Ground area
485 m²
Building footprint
556 m²
Volume, LiDAR
9,279 m³
Parcel 38402D0317/00B000, Flanders · tallest building 29.8 m, ±6 floors. Linked by address, not a title deed.
21
companies at this address
See who is registered here
1 establishment unit
JOMAR
since 20052.147.902.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0317/00B000 | Flanders | 485 m² | 1 · 555 m² | 29.8 m · 6 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 9,693 companies in sector 68121 we hold annual accounts for 7,385. 2,456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-05-2005
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
Scores and ratios are computed by Checked and are not a credit decision.