Summary
JOMARO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €147,934 and a net result of €51,659. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 8102 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
6 d early
2023
7 d early
2022
100 d late
2021
6 d early
2020
2 d early
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 25 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€147,934▲ 53.7%
2024 · €96,275
Net result
€51,659▼ 8.6%
2024 · €56,528
Total assets
€559,323▼ 6.6%
2024 · €598,911
Solvency
26.4%▲ 10.4pp
2024 · 16.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€73,568▲ 142%€113,414▲ 54.2%€112,747▼ 0.6%€92,612▼ 17.9%€98,399▲ 6.2%
Net result€53,563within the sector's middle half▲ 130%€77,924above the sector's middle half▲ 45.5%€72,385within the sector's middle half▼ 7.1%€56,528within the sector's middle half▼ 21.9%€51,659within the sector's middle half▼ 8.6%
Equity€92,738within the sector's middle half▲ 137%€155,662within the sector's middle half▲ 67.9%€39,747below the sector's middle half▼ 74.5%€96,275within the sector's middle half▲ 142%€147,934within the sector's middle half▲ 53.7%
Total assets€353,821within the sector's middle half▲ 28.4%€420,401within the sector's middle half▲ 18.8%€394,399within the sector's middle half▼ 6.2%€598,911within the sector's middle half▲ 51.9%€559,323within the sector's middle half▼ 6.6%
Debt€261,083▲ 10.5%€264,739▲ 1.4%€354,652▲ 34.0%€502,636▲ 41.7%€411,388▼ 18.2%
Working capital€22,459within the sector's middle half▼ 0.9%€41,207within the sector's middle half▲ 83.5%-€71,500below the sector's middle half-€75,610below the sector's middle half▼ 5.7%-€8,969within the sector's middle half▲ 88.1%
Solvency26.2%within the sector's middle half▲ 12.0pp37.0%within the sector's middle half▲ 10.8pp10.1%below the sector's middle half▼ 26.9pp16.1%below the sector's middle half▲ 6.0pp26.4%within the sector's middle half▲ 10.4pp
Current ratio1.17within the sector's middle half▼ 0.061.30within the sector's middle half▲ 0.120.70below the sector's middle half▼ 0.590.68below the sector's middle half▼ 0.020.95within the sector's middle half▲ 0.27
Return on assets (ROA)15.1%within the sector's middle half▲ 6.7pp18.5%within the sector's middle half▲ 3.4pp18.4%within the sector's middle half▼ 0.2pp9.4%within the sector's middle half▼ 8.9pp9.2%within the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €559,323
Fixed assets
€370,562 ▼ 14.8%
Current assets
€188,761 ▲ 15.2%
Equity and liabilities €559,323
Equity
€147,934 ▲ 53.7%
Debt
€411,388 ▼ 18.2%
Debt's share of the balance-sheet total falls from 83.9% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
34.9%▼
2024 · 58.7%
Debt ≤ 1 year
€197,730▼
2024 · €239,437
Debt > 1 year
€206,780▼
2024 · €259,624
Income taxes
€26,995▲
2024 · €20,840
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,822 | €10,315 | €13,970 | €44,034 | €64,521 | ▲ 46.5% |
| Other operating charges640/8 | €1,529 | €1,634 | €3,045 | €3,940 | €3,992 | ▲ 1.3% |
| Non-recurring operating charges66A | - | €1,016 | €0 | - | - | - |
| Gross operating margin9900 | €76,919 | €126,379 | €129,762 | €140,585 | €166,912 | ▲ 18.7% |
| Operating profit (loss)9901 | €73,568 | €113,414 | €112,747 | €92,612 | €98,399 | ▲ 6.2% |
| Financial income75/76B | €2,000 | €2,000 | €2,000 | €2,000 | €1,907 | ▼ 4.7% |
| Recurring financial income75 | €2,000 | €2,000 | €2,000 | €2,000 | €1,907 | ▼ 4.7% |
| Financial charges65/66B | €5,022 | €13,106 | €12,577 | €17,244 | €21,651 | ▲ 25.6% |
| Recurring financial charges65 | €5,022 | €13,106 | €12,577 | €17,244 | €21,651 | ▲ 25.6% |
| Profit (loss) for the period before taxes9903 | €70,545 | €102,308 | €102,170 | €77,368 | €78,654 | ▲ 1.7% |
| Income taxes67/77 | €16,983 | €24,384 | €29,785 | €20,840 | €26,995 | ▲ 29.5% |
| Profit (loss) for the period9904 | €53,563 | €77,924 | €72,385 | €56,528 | €51,659 | ▼ 8.6% |
| Profit (loss) for the period to be appropriated9905 | €53,563 | €77,924 | €72,385 | €56,528 | €51,659 | ▼ 8.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €353,821 | €420,401 | €394,399 | €598,911 | €559,323 | ▼ 6.6% |
| Fixed assets21/28 | €201,494 | €240,170 | €224,403 | €435,084 | €370,562 | ▼ 14.8% |
| Tangible fixed assets22/27 | €201,494 | €240,170 | €224,403 | €435,084 | €370,562 | ▼ 14.8% |
| Land and buildings22 | €166,881 | €155,200 | €155,200 | €155,200 | €155,200 | = |
| Plant, machinery and equipment23 | €26,981 | €0 | - | - | - | - |
| Furniture and vehicles24 | €7,633 | €6,061 | €4,489 | €224,608 | €172,797 | ▼ 23.1% |
| Other tangible fixed assets26 | - | €78,909 | €64,714 | €55,276 | €42,565 | ▼ 23.0% |
| Current assets29/58 | €152,327 | €180,232 | €169,996 | €163,827 | €188,761 | ▲ 15.2% |
| Amounts receivable after more than one year29 | €52,069 | €52,000 | €52,000 | €52,000 | €0 | ▼ 100% |
| Other amounts receivable291 | €52,069 | €52,000 | €52,000 | €52,000 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €45,805 | €112,457 | €80,889 | €103,917 | €96,217 | ▼ 7.4% |
| Trade receivables40 | €45,805 | €102,265 | €80,675 | €84,831 | €87,264 | ▲ 2.9% |
| Other amounts receivable41 | €0 | €10,192 | €215 | €19,086 | €8,953 | ▼ 53.1% |
| Cash at bank and in hand54/58 | €53,214 | €13,826 | €35,202 | €4,601 | €89,075 | ▲ 1,836% |
| Deferred charges and accrued income490/1 | €1,238 | €1,949 | €1,905 | €3,309 | €3,468 | ▲ 4.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €353,821 | €420,401 | €394,399 | €598,911 | €559,323 | ▼ 6.6% |
| Equity10/15 | €92,738 | €155,662 | €39,747 | €96,275 | €147,934 | ▲ 53.7% |
| Contributions10/11 | €6,200 | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €21,147 | €21,147 | €21,147 | €21,147 | €21,147 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €19,287 | €19,287 | €21,147 | €21,147 | €21,147 | = |
| Profit (loss) carried forward14 | €65,391 | €128,315 | €0 | €56,528 | €108,187 | ▲ 91.4% |
| Amounts payable17/49 | €261,083 | €264,739 | €354,652 | €502,636 | €411,388 | ▼ 18.2% |
| Amounts payable after more than one year17 | €129,621 | €120,338 | €110,918 | €259,624 | €206,780 | ▼ 20.4% |
| Financial debts170/4 | €129,621 | €120,338 | €110,918 | €259,624 | €206,780 | ▼ 20.4% |
| Amounts payable within one year42/48 | €129,867 | €139,025 | €241,496 | €239,437 | €197,730 | ▼ 17.4% |
| Current portion of amounts payable after more than one year42 | €9,143 | €9,283 | €9,420 | €51,111 | €52,843 | ▲ 3.4% |
| Trade debts44 | €34,837 | €33,477 | €0 | €941 | €2,223 | ▲ 136% |
| Suppliers440/4 | €34,837 | €33,477 | €0 | €941 | €2,223 | ▲ 136% |
| Taxes, remuneration and social security45 | €18,016 | €27,914 | €12,044 | €12,748 | €16,275 | ▲ 27.7% |
| Taxes450/3 | €18,016 | €27,914 | €12,044 | €12,748 | €16,275 | ▲ 27.7% |
| Other amounts payable47/48 | €67,871 | €68,350 | €220,032 | €174,637 | €126,388 | ▼ 27.6% |
| Accrued charges and deferred income492/3 | €1,594 | €5,376 | €2,238 | €3,575 | €6,878 | ▲ 92.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,563 | €77,924 | €72,385 | €56,528 | €51,659 | ▼ 8.6% |
| + Depreciation and write-downs630 | €1,822 | €10,315 | €13,970 | €44,034 | €64,521 | ▲ 46.5% |
| Operating cash flow (approximation) | €55,385 | €88,240 | €86,355 | €100,562 | €116,181 | ▲ 15.5% |
| Investment in fixed assets (approximation) | - | -€48,991 | €1,796 | -€254,714 | €0 | ▲ 100% |
| Change in cash | - | -€39,388 | €21,376 | -€30,600 | €84,474 | ▲ 376% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €147,934 ▲53.7%
8 profitable years in a row build equity to €147,934.
23-12
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Capital
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
31-12
Financial
Highest result since 2018net €77,924 ▲45.5%
Operating result €113,414, net result €77,924, both a record.
31-12
Financial
Equity above €150,000Eq €155,662 ▲67.9%
5 profitable years in a row build equity to €155,662.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
04-06
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zutendaal · 1 establishment unit since 2017
Ground area
1,258 m²
Building footprint
409 m²
Volume, LiDAR
1,120 m³
2 parcels, Flanders · tallest building 13.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOMARO
since 20172.261.170.958
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0162/00D002 | Flanders | 1,016 m² | 1 · 81 m² | 7.2 m · 2 fl. |
| 71067A0368/00G006 | Flanders | 242 m² | 1 · 328 m² | 13.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
JCI GENK
Shared director
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Company details
Identification
Legal formPrivate limited company
Founded04-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
69109Other legal services
70200Business and other management consultancy
74991Agents and managers of artists, athletes and other public figures
E-invoicing
Reachable via Peppol
Peppol ID
0208:0663790695
Registered
17-07-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.