JOMARCO
ActiveThe annual accounts of JOMARCO for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €41k and a net result of €-74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 18237 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency33▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.98 against 1.22 in 2024; short-term debt: 63.6% and cash: 14.4% of total assets), and 91.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.2%
Return on assets
-14.7%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-74k
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 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
5 d early
2023
32 d early
2022
31 d early
2021
30 d early
2020
24 d early
2019
41 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 64.3%
2024 · €115k
2018: €-5k
2019: €29k
2020: €183k
2021: €302k
2022: €335k
2023: €210k
2024: €115k
2018 → 2025
Total assets
€505k▼ 9.1%
2024 · €556k
2018: €644k
2019: €704k
2020: €877k
2021: €810k
2022: €904k
2023: €596k
2024: €556k
2018 → 2025
Net result
€-74k▲ 21.6%
2024 · €-95k
2018: €-68k
2019: €34k
2020: €165k
2021: €119k
2022: €33k
2023: €-125k
2024: €-95k
2018 → 2025
Working capital
€-7k
2024 · €55k
2018: €-87k
2019: €-32k
2020: €243k
2021: €246k
2022: €222k
2023: €43k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€335k▲ 11.1%€210k▼ 37.4%€115k▼ 45.0%€41k▼ 64.3%
Operating result€165k-€50k▼ 69.5%€-120k€-89k▲ 26.0%€-71k▲ 20.6%
Net result€119k-€33k▼ 71.9%€-125k€-95k▲ 24.5%€-74k▲ 21.6%
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 stays negative: a loss of €71k in 2025 against €89k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505k
Fixed assets
€191k▼ 24.9%
Current assets
€314k▲ 4.2%
Equity and liabilities €505k
Equity
€41k▼ 64.3%
Provisions
€11k▼ 18.5%
Debt
€453k▲ 6.1%
The debt ratio rises from 76.9% to 89.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-778▲
2024 · €-3k
Cash flow
€-4k▲
2024 · €-8k
Solvency
8.2%▼
2024 · 20.8%
Current ratio
0.98▼
2024 · 1.22
Quick ratio
0.67▼
2024 · 0.71
Debt / equity
11.00▲
2024 · 3.70
ROE
-180.0%▼
2024 · -82.0%
ROA
-14.7%▲
2024 · -17.0%
Interest coverage
-0.14▲
2024 · -0.32
Debt
€453k▲
2024 · €427k
Debt ≤ 1 year
€321k▲
2024 · €246k
Debt > 1 year
€131k▼
2024 · €181k
Income taxes
€289▲
2024 · €271
Staff costs
€190k▲
2024 · €188k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€556k€505k▼
Fixed assets21/28€254k€191k▼
Tangible fixed assets22/27€254k€191k▼
Land and buildings22€233k€187k▼
Plant, machinery and equipment23€9k€4k▼
Furniture and vehicles24€13k€775▼
Current assets29/58€301k€314k▲
Stocks and contracts in progress3€128k€99k▼
Stocks30/36€128k€99k▼
Amounts receivable within one year40/41€160k€140k▼
Trade receivables40€97k€60k▼
Other amounts receivable41€63k€81k▲
Cash at bank and in hand54/58€12k€73k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€556k€505k▼
Equity10/15€115k€41k▼
Contributions10/11€69k€69k=
Reserves13€247k€237k▼
Tax-exempt reserves132€52k€43k▼
Distributable reserves133€195k€195k=
Profit (loss) carried forward14€-200k€-265k▼
Provisions and deferred taxes16€13k€11k▼
Deferred taxes168€13k€11k▼
Amounts payable17/49€427k€453k▲
Amounts payable after more than one year17€181k€131k▼
Financial debts170/4€181k€131k▼
Amounts payable within one year42/48€246k€321k▲
Current portion of amounts payable after more than one year42€117k€109k▼
Trade debts44€70k€111k▲
Suppliers440/4€70k€111k▲
Taxes, remuneration and social security45€59k€101k▲
Taxes450/3€28k€68k▲
Remuneration and social security454/9€31k€33k▲
Accrued charges and deferred income492/3€0€552▲
Income statement
Code20242025
Non-recurring operating income76A€841-
Remuneration, social security and pensions62€188k€190k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€70k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€191k€194k▲
Operating profit (loss)9901€-89k€-71k▲
Financial income75/76B€119€40▼
Recurring financial income75€119€40▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Non-recurring financial charges66B€-370-
Profit (loss) for the period before taxes9903€-97k€-76k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€271€289▲
Profit (loss) for the period9904€-95k€-74k▲
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€-85k€-64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-200k€-265k▼
Profit (loss) brought forward from the previous period14P€-115k€-200k▼
Social balance
Average headcount (FTE)90872.6-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-125k ▼474%
Net result drops to €-125k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €302k ▲65%
3 profitable years in a row build equity to €302k.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €165k ▲388%
Operating result €211k, net result €165k, both a record.
30-09
Financial
Equity above €150kEq €183k ▲530%
2 profitable years in a row build equity to €183k.
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Maldegem · 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.
Veldekens 639991 MaldegemGround area
541 m²
Building footprint
168 m²
Volume, LiDAR
700 m³
Parcel 43001C1073/00H000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOMARCO
since 20012.098.212.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001C1073/00H000 | Flanders | 541 m² | 1 · 168 m² | 6.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 11,235 EUR awarded · 14,082 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,897 EUR | 3,897 EUR |
| 2023 | 1 | 4,491 EUR | 7,338 EUR |
| 2022 | 1 | 2,847 EUR | 2,847 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2001
Fiscal year end30-09
Activities, NACEBEL
47529Retail trade
47789Other retail sale of new goods
52462
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.