JOMI
ActiveJOMI has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.01M and a net result of €150k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 90% of 2272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+3
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 11.73 against 7.21 in 2024; short-term debt: 7.8% and cash: 68.6% of total assets), and 8.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
91.9%
Return on assets
6.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2.01M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.01M▲ 8.1%
2024 · €1.86M
2018: €1.91M
2019: €1.91M
2020: €1.59M
2021: €1.65M
2022: €1.74M
2023: €1.77M
2024: €1.86M
2018 → 2025
Total assets
€2.19M▲ 3.0%
2024 · €2.13M
2018: €2.33M
2019: €2.36M
2020: €1.91M
2021: €1.96M
2022: €2.00M
2023: €2.01M
2024: €2.13M
2018 → 2025
Net result
€150k▲ 58.2%
2024 · €95k
2018: €-69k
2019: €7k
2020: €-324k
2021: €66k
2022: €90k
2023: €22k
2024: €95k
2018 → 2025
Working capital
€1.83M▲ 12.0%
2024 · €1.64M
2018: €1.71M
2019: €1.58M
2020: €1.32M
2021: €1.41M
2022: €1.50M
2023: €1.51M
2024: €1.64M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.65M-€1.74M▲ 5.4%€1.77M▲ 1.3%€1.86M▲ 5.4%€2.01M▲ 8.1%
Operating result€17k-€37k▲ 119%€-15k€43k€113k▲ 160%
Net result€66k-€90k▲ 36.2%€22k▼ 75.5%€95k▲ 331%€150k▲ 58.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 160% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€188k▼ 17.3%
Current assets
€2.00M▲ 5.4%
Equity and liabilities €2.19M
Equity
€2.01M▲ 8.1%
Debt
€177k▼ 32.8%
The debt ratio falls from 12.4% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€164k▲
2024 · €90k
Cash flow
€202k▲
2024 · €141k
Solvency
91.9%▲
2024 · 87.6%
Current ratio
11.73▲
2024 · 7.21
Quick ratio
9.35▲
2024 · 5.78
Debt / equity
0.09▼
2024 · 0.14
ROE
7.5%▲
2024 · 5.1%
ROA
6.9%▲
2024 · 4.5%
Interest coverage
18.58▲
2024 · 8.31
Debt
€177k▼
2024 · €263k
Debt ≤ 1 year
€171k▼
2024 · €263k
Income taxes
€15k▲
2024 · €517
Staff costs
€487k▼
2024 · €506k
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€2.13M€2.19M▲
Fixed assets21/28€227k€188k▼
Intangible fixed assets21€18k€14k▼
Tangible fixed assets22/27€207k€174k▼
Land and buildings22€33k€28k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€165k€141k▼
Financial fixed assets28€2k€437▼
Current assets29/58€1.90M€2.00M▲
Stocks and contracts in progress3€376k€406k▲
Stocks30/36€376k€406k▲
Amounts receivable within one year40/41€838k€84k▼
Trade receivables40€84k€65k▼
Other amounts receivable41€755k€19k▼
Cash at bank and in hand54/58€682k€1.50M▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€2.13M€2.19M▲
Equity10/15€1.86M€2.01M▲
Contributions10/11€20k€20k=
Reserves13€1.84M€1.99M▲
Distributable reserves133€1.84M€1.99M▲
Amounts payable17/49€263k€177k▼
Amounts payable within one year42/48€263k€171k▼
Trade debts44€38k€39k▲
Suppliers440/4€38k€39k▲
Taxes, remuneration and social security45€137k€131k▼
Taxes450/3€50k€64k▲
Remuneration and social security454/9€87k€67k▼
Other amounts payable47/48€88k-
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€506k€487k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€51k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€15k▲
Other operating charges640/8€34k€40k▲
Gross operating margin9900€642k€706k▲
Operating profit (loss)9901€43k€113k▲
Financial income75/76B€63k€62k▼
Recurring financial income75€63k€62k▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€95k€166k▲
Income taxes67/77€517€15k▲
Profit (loss) for the period9904€95k€150k▲
Profit (loss) for the period to be appropriated9905€95k€150k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€150k▲
Transfer to equity691/2€95k€150k▲
To other reserves6921€95k€150k▲
Social balance
Average headcount (FTE)908710.910.6▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €150k ▲58.2%
Operating result €113k, net result €150k, both a record.
31-12
Financial
Equity above €2MEq €2.01M ▲8.1%
5 profitable years in a row build equity to €2.01M.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-324k ▼4954%
Net result drops to €-324k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zwalm · 5 establishment units since 1997
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.
Franskouter(SDB) 19630 ZwalmGround area
5.2 ha
Building footprint
1.7 ha
Volume, LiDAR
10,056 m³
5 parcels, Flanders · tallest building 15.6 m, ±2 floors. Linked by address, not a title deed.
5 establishment units
Franskouter(SDB) 1, 9630 Zwalm
since 19972.042.277.095
Absolu
since 20042.137.206.245
Absolu
since 20072.164.416.230
Absolu
since 20092.180.963.737
Absolu
since 20102.185.778.105
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352B0962/00W000 | Flanders | 4.9 ha | 1 · 1.5 ha | - |
| 45046C0212/00C000 | Flanders | 922 m² | 1 · 191 m² | 9.0 m · 2 fl. |
| 41018A0375/00C000 | Flanders | 770 m² | 1 · 677 m² | 15.6 m · 1 fl. |
| 45035B0296/00D000 | Flanders | 737 m² | 1 · 654 m² | 14.2 m · 1 fl. |
| 41081A0290/00M000 | Flanders | 369 m² | 1 · 271 m² | 12.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
894500H5499UQHH1FU94
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 1,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-1989
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52112
52421
82100Office administrative and support services
82110Office administrative, office support and other business support activities
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.absolu.be