JoMaTIC
ActiveSummary
JoMaTIC has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20,469 and a net result of -€618. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 50% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability66▲+42
Solvency88▼-6
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.21 in 2023; short-term debt: 37.5% and cash: 27.1% of total assets), and 37.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
62.5%
Return on assets
-1.9%
Age of the figures
21 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
36 d early
2022
45 d early
2021
44 d early
2020
43 d early
2019
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 41 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€20,469▼ 2.9%
2023 · €21,087
Total assets
€32,744▲ 7.1%
2023 · €30,570
Net result
-€618▲ 81.0%
2023 · -€3,247
Working capital
€14,627▲ 27.3%
2023 · €11,489
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€3,800▲ 57.0%€5,639€9,567▲ 69.7%€1,467▼ 84.7%€2,571▲ 75.3%
Net result-€5,000below the sector's middle half▲ 52.8%€4,065within the sector's middle half€7,046within the sector's middle half▲ 73.3%-€3,247below the sector's middle half-€618below the sector's middle half▲ 81.0%
Equity€13,223below the sector's middle half▼ 27.4%€17,288below the sector's middle half▲ 30.7%€24,334below the sector's middle half▲ 40.8%€21,087below the sector's middle half▼ 13.3%€20,469below the sector's middle half▼ 2.9%
Total assets€27,620below the sector's middle half▼ 29.2%€26,668below the sector's middle half▼ 3.4%€34,279below the sector's middle half▲ 28.5%€30,570below the sector's middle half▼ 10.8%€32,744below the sector's middle half▲ 7.1%
Debt€14,397▼ 30.7%€9,380▼ 34.8%€9,944▲ 6.0%€9,483▼ 4.6%€12,275▲ 29.4%
Working capital€6,191below the sector's middle half▼ 55.1%€11,239below the sector's middle half▲ 81.5%€8,819below the sector's middle half▼ 21.5%€11,489within the sector's middle half▲ 30.3%€14,627within the sector's middle half▲ 27.3%
Solvency47.9%within the sector's middle half▲ 1.2pp64.8%within the sector's middle half▲ 17.0pp71.0%within the sector's middle half▲ 6.2pp69.0%within the sector's middle half▼ 2.0pp62.5%within the sector's middle half▼ 6.5pp
Current ratio1.46within the sector's middle half▼ 0.482.20within the sector's middle half▲ 0.741.89within the sector's middle half▼ 0.312.21within the sector's middle half▲ 0.322.19within the sector's middle half▼ 0.02
Return on assets (ROA)-18.1%below the sector's middle half▲ 9.1pp15.2%within the sector's middle half▲ 33.3pp20.6%within the sector's middle half▲ 5.3pp-10.6%below the sector's middle half▼ 31.2pp-1.9%below the sector's middle half▲ 8.7pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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 2024; 2024 is 75% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32,744
Fixed assets
€5,843 ▼ 39.1%
Current assets
€26,901 ▲ 28.3%
Equity and liabilities €32,744
Equity
€20,469 ▼ 2.9%
Debt
€12,275 ▲ 29.4%
Debt's share of the balance-sheet total rises from 31.0% to 37.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6,327▼
2023 · €7,851
Cash flow
€3,138=
2023 · €3,137
Debt to equity
0.60▲
2023 · 0.45
ROE
-3.0%▲
2023 · -15.4%
Interest coverage
5.92▲
2023 · 2.20
Debt ≤ 1 year
€12,275▲
2023 · €9,483
Income taxes
€2,280▲
2023 · €1,206
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,915 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,915 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,538 | €1,850 | €4,398 | €6,384 | €3,756 | ▼ 41.2% |
| Other operating charges640/8 | - | €957 | €1,960 | €1,125 | €1,169 | ▲ 3.9% |
| Gross operating margin9900 | -€309 | €8,445 | €15,925 | €8,976 | €7,496 | ▼ 16.5% |
| Operating profit (loss)9901 | -€3,800 | €5,639 | €9,567 | €1,467 | €2,571 | ▲ 75.3% |
| Financial income75/76B | - | €0 | €17 | €57 | €161 | ▲ 184% |
| Recurring financial income75 | €70 | €0 | €17 | €57 | €161 | ▲ 184% |
| Financial charges65/66B | - | €1,192 | €2,151 | €3,565 | €1,069 | ▼ 70.0% |
| Recurring financial charges65 | €890 | €1,192 | €2,151 | €3,565 | €1,069 | ▼ 70.0% |
| Profit (loss) for the period before taxes9903 | -€4,620 | €4,447 | €7,434 | -€2,041 | €1,663 | ▲ 181% |
| Income taxes67/77 | €380 | €382 | €388 | €1,206 | €2,280 | ▲ 89.1% |
| Profit (loss) for the period9904 | -€5,000 | €4,065 | €7,046 | -€3,247 | -€618 | ▲ 81.0% |
| Profit (loss) for the period to be appropriated9905 | -€5,000 | €4,065 | €7,046 | -€3,247 | -€618 | ▲ 81.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €27,620 | €26,668 | €34,279 | €30,570 | €32,744 | ▲ 7.1% |
| Fixed assets21/28 | €7,899 | €6,049 | €15,515 | €9,598 | €5,843 | ▼ 39.1% |
| Tangible fixed assets22/27 | €7,899 | €6,049 | €15,515 | €9,598 | €5,843 | ▼ 39.1% |
| Land and buildings22 | - | €6,049 | €8,222 | €6,325 | €4,429 | ▼ 30.0% |
| Plant, machinery and equipment23 | - | €0 | €2,538 | €2,214 | €1,414 | ▼ 36.2% |
| Furniture and vehicles24 | - | - | €4,755 | €1,059 | €0 | ▼ 100% |
| Current assets29/58 | €19,721 | €20,619 | €18,764 | €20,972 | €26,901 | ▲ 28.3% |
| Amounts receivable within one year40/41 | €9,440 | €12,240 | €14,865 | €15,439 | €18,035 | ▲ 16.8% |
| Trade receivables40 | - | €12,240 | €14,679 | €13,074 | €14,909 | ▲ 14.0% |
| Other amounts receivable41 | - | - | €186 | €2,365 | €3,126 | ▲ 32.2% |
| Cash at bank and in hand54/58 | €10,281 | €8,379 | €3,899 | €2,534 | €8,866 | ▲ 250% |
| Deferred charges and accrued income490/1 | - | - | - | €2,999 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €27,620 | €26,668 | €34,279 | €30,570 | €32,744 | ▲ 7.1% |
| Equity10/15 | €13,223 | €17,288 | €24,334 | €21,087 | €20,469 | ▼ 2.9% |
| Contributions10/11 | - | €15,600 | €15,600 | €15,600 | €15,600 | = |
| Reserves13 | €32,908 | €32,908 | €32,908 | €32,908 | €32,908 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Tax-exempt reserves132 | - | €3,525 | €3,525 | €3,525 | €3,525 | = |
| Distributable reserves133 | - | €27,523 | €27,523 | €29,383 | €29,383 | = |
| Profit (loss) carried forward14 | -€35,285 | -€31,220 | -€24,174 | -€27,421 | -€28,039 | ▼ 2.3% |
| Amounts payable17/49 | €14,397 | €9,380 | €9,944 | €9,483 | €12,275 | ▲ 29.4% |
| Amounts payable after more than one year17 | €866 | €0 | - | - | - | - |
| Financial debts170/4 | - | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €13,531 | €9,380 | €9,944 | €9,483 | €12,275 | ▲ 29.4% |
| Current portion of amounts payable after more than one year42 | - | €866 | €840 | €0 | - | - |
| Trade debts44 | €239 | €773 | €0 | €1,431 | €1,715 | ▲ 19.8% |
| Suppliers440/4 | - | €773 | €0 | €1,431 | €1,715 | ▲ 19.8% |
| Taxes, remuneration and social security45 | - | €7,273 | €8,993 | €8,052 | €10,560 | ▲ 31.1% |
| Taxes450/3 | - | €7,273 | €8,993 | €8,052 | €10,560 | ▲ 31.1% |
| Other amounts payable47/48 | - | €468 | €111 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,000 | €4,065 | €7,046 | -€3,247 | -€618 | ▲ 81.0% |
| + Depreciation and write-downs630 | €2,538 | €1,850 | €4,398 | €6,384 | €3,756 | ▼ 41.2% |
| Operating cash flow (approximation) | -€2,462 | €5,915 | €11,444 | €3,137 | €3,138 | = |
| Investment in fixed assets (approximation) | - | €0 | -€13,864 | -€467 | €0 | ▲ 100% |
| Change in cash | - | -€1,902 | -€4,480 | -€1,365 | €6,333 | ▲ 564% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €7,046 ▲73.3%
Operating result €9,567, net result €7,046, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4,065
Net result €4,065 after 3 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Kalmthout · 1 establishment unit since 2012
Ground area
740 m²
Building footprint
148 m²
Volume, LiDAR
922 m³
Parcel 11022F0001/00B102, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOMATIC
since 20122.210.177.563
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0001/00B102 | Flanders | 740 m² | 1 · 148 m² | 14.5 m · 2 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 30,007 companies in sector 62200 we hold annual accounts for 18,400. 13,051 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846323416
Also
9925:BE0846323416
Registered
16-06-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.