JOMATHO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €420k and a net result of €96k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 22% of 6156 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 6156 sector peers (2024).
NBB · sector comparisonPosition among 6156 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
26 d early
2022
19 d early
2021
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€420k▲ 10.1%
2023 · €381k
2021: €225k
2022: €304k
2023: €381k
2021 → 2024
Net result
€96k▲ 23.9%
2023 · €78k
2021: €83k
2022: €78k
2023: €78k
2021 → 2024
Total assets
€1.96M▲ 119%
2023 · €893k
2021: €717k
2022: €766k
2023: €893k
2021 → 2024
Solvency
21.5%▼ 21.2pp
2023 · 42.7%
2021: 31.4%
2022: 39.7%
2023: 42.7%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€225k-€304k▲ 34.8%€381k▲ 25.5%€420k▲ 10.1%
Operating result€83k-€101k▲ 21.8%€100k▼ 1.2%€117k▲ 16.8%
Net result€83k-€78k▼ 5.0%€78k▼ 1.2%€96k▲ 23.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 17% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.96M
Fixed assets
€1.77M▲ 168%
Current assets
€182k▼ 21.2%
Equity and liabilities €1.96M
Equity
€420k▲ 10.1%
Debt
€1.54M▲ 200%
The debt ratio rises from 57.3% to 78.5%. Equity and debt are higher.
Key figures and ratios
Solvency
21.5%▼
2023 · 42.7%
ROE
22.9%▲
2023 · 20.3%
ROA
4.9%▼
2023 · 8.7%
Debt
€1.54M▲
2023 · €512k
Debt ≤ 1 year
€169k▲
2023 · €134k
Debt > 1 year
€1.36M▲
2023 · €375k
Income taxes
€17k▼
2023 · €19k
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€893k€1.96M▲
Fixed assets21/28€662k€1.77M▲
Tangible fixed assets22/27-€1.11M
Land and buildings22-€1.11M
Financial fixed assets28€662k€662k=
Current assets29/58€231k€182k▼
Amounts receivable after more than one year29€120k€84k▼
Other amounts receivable291€120k€84k▼
Amounts receivable within one year40/41€78k€55k▼
Trade receivables40€78k€41k▼
Other amounts receivable41€721€14k▲
Cash at bank and in hand54/58€32k€43k▲
Equity and liabilities
Total equity and liabilities10/49€893k€1.96M▲
Equity10/15€381k€420k▲
Contributions10/11€168k€200k▲
Reserves13€214k€220k▲
Distributable reserves133€214k€220k▲
Amounts payable17/49€512k€1.54M▲
Amounts payable after more than one year17€375k€1.36M▲
Financial debts170/4€375k€1.36M▲
Amounts payable within one year42/48€134k€169k▲
Current portion of amounts payable after more than one year42€52k€111k▲
Financial debts43€7k€7k=
Credit institutions430/8€7k€7k=
Trade debts44€56k€6k▼
Suppliers440/4€56k€6k▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48€9k€31k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€38k
Other operating charges640/8€548€99k▲
Gross operating margin9900€100k€254k▲
Operating profit (loss)9901€100k€117k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€97k€113k▲
Income taxes67/77€19k€17k▼
Profit (loss) for the period9904€78k€96k▲
Profit (loss) for the period to be appropriated9905€78k€96k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€96k▲
Transfer from equity791/2-€60k
Transfer to equity691/2€78k€66k▼
To other reserves6921€78k€66k▼
Profit to be distributed694/7-€90k
Return on contributions (dividend)694-€60k
Directors or managers695-€30k
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Permanent representative10 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Permanent representative10 facts ▸
- General meeting, 2026-07-02
- Director resignation, RUBISCON BV (bestuurder)
- Permanent representative, Thomas Bistiaux
- Director resignation, 't Reigersnest BV (bestuurder)
- Permanent representative, Johan De Sloovere
- Director appointment, Origin Seal S.A.S. (bestuurder)
- Permanent representative, Gilles Nauche
- Board composition, bestuurder, 2026-07-02
- Board meeting, 2026-07-02
- Director appointment, 't Reigersnest BV (dagelijks bestuurder (CEO))
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €96k ▲23.9%
Operating result €117k, net result €96k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €78k ▼1.2%
Net result drops to €78k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
BV 'T Reigersnest
CurrentDagelijks bestuurder (ceo) · since 02-07-2026 · Legal entity · perm. rep.: Johan De Sloovere
Origin Seal S.A.S.
CurrentDirector · since 02-07-2026 · Legal entity · perm. rep.: Gilles Nauche
02-07-2026
BV 'T Reigersnest: Resigned as Director
02-07-2026
BV 'T Reigersnest: Appointed as Dagelijks bestuurder (ceo)
02-07-2026
Origin Seal S.A.S.: Appointed as Director
02-07-2026
BV Rubiscon: Resigned as Director
Location & real-estate footprint
Registered office, Grobbendonk · 1 establishment unit since 2020
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.
Bannerlaan 502280 GrobbendonkGround area
1,781 m²
Building footprint
656 m²
Volume, LiDAR
4,196 m³
Parcel 13010E0109/00K000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOMATHO
since 20202.310.251.374
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010E0109/00K000 | Flanders | 1,780 m² | 1 · 656 m² | 10.0 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,711 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.