Summary
JOMI 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 €5.3m and a net result of -€73,204. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 62% of 5585 sector peers (fiscal year 2025). The company has been active since 2013 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
3 d early
2023
7 d early
2022
on the day
2021
1 d early
2020
2 d early
2019
on the day
← 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 3 days before 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 (3 of the last 3 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, abbreviated schema
In the rankings
#2 company by equity in Keerbergen, Finance and insurance sector#3 company by total assets in Keerbergen, Finance and insurance sector
Equity
€5.3m▼ 1.4%
2024 · €5.3m
Net result
-€73,204
2024 · €23,368
Total assets
€8.1m▼ 0.7%
2024 · €8.2m
Solvency
64.6%▼ 0.4pp
2024 · 65.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€37,343▲ 2,188%-€24,550€23,411€5,933▼ 74.7%-€24,923
Net result-€54,943below the sector's middle half-€93,658below the sector's middle half▼ 70.5%€33,455within the sector's middle half€23,368within the sector's middle half▼ 30.1%-€73,204below the sector's middle half
Equity€5.5mabove the sector's middle half▼ 1.0%€5.3mabove the sector's middle half▼ 3.7%€5.3mabove the sector's middle half▼ 0.5%€5.3mabove the sector's middle half▲ 0.4%€5.3mabove the sector's middle half▼ 1.4%
Total assets€8.5mabove the sector's middle half▼ 0.4%€8.3mabove the sector's middle half▼ 2.3%€8.3mabove the sector's middle half▼ 0.1%€8.2mabove the sector's middle half▼ 1.2%€8.1mabove the sector's middle half▼ 0.7%
Debt€21,670▼ 84.8%€98,706▲ 355%€82,858▼ 16.1%€33,015▼ 60.2%€11,407▼ 65.4%
Working capital€8.5mabove the sector's middle half▲ 1.1%€8.2mabove the sector's middle half▼ 3.2%€8.2mabove the sector's middle half▲ 0.2%€8.2mabove the sector's middle half▼ 0.6%€8.1mabove the sector's middle half▼ 0.4%
Solvency65.1%within the sector's middle half▼ 0.4pp64.2%within the sector's middle half▼ 0.9pp64.0%within the sector's middle half▼ 0.2pp65.1%within the sector's middle half▲ 1.1pp64.6%within the sector's middle half▼ 0.4pp
Current ratio93.43above the sector's middle half
Return on assets (ROA)-0.6%below the sector's middle half▼ 1.1pp-1.1%below the sector's middle half▼ 0.5pp0.4%below the sector's middle half▲ 1.5pp0.3%below the sector's middle half▼ 0.1pp-0.9%below the sector's middle half▼ 1.2pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24,923 after €5,933 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €8.1m
Equity
€5.3m ▼ 1.4%
Provisions
€2.9m ▲ 1.3%
Debt
€11,407 ▼ 65.4%
Debt's share of the balance-sheet total falls from 0.4% to 0.1%. Equity and debt are lower.
Key figures and ratios
ROE
-1.4%▼
2024 · 0.4%
Debt ≤ 1 year
€132▼
2024 · €20,989
A ratio outside any meaningful range has been withheld (balance sheet total €8.1m, equity €5.3m).
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €23,145 | €11,261 | €12,145 | €14,643 | €14,117 | ▼ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,564 | €3,510 | €3,510 | €2,253 | - | - |
| Other operating charges640/8 | €868 | €868 | €960 | €8,894 | €998 | ▼ 88.8% |
| Non-recurring operating charges66A | €13,865 | €13,917 | €10,226 | €24,222 | €25,551 | ▲ 5.5% |
| Gross operating margin9900 | €56,640 | -€6,255 | €38,108 | €41,302 | €1,627 | ▼ 96.1% |
| Operating profit (loss)9901 | €37,343 | -€24,550 | €23,411 | €5,933 | -€24,923 | ▼ 520% |
| Financial income75/76B | €87,175 | €111,077 | €200,470 | €197,198 | €125,911 | ▼ 36.1% |
| Recurring financial income75 | €87,175 | €111,077 | €200,470 | €197,198 | €125,911 | ▼ 36.1% |
| Financial charges65/66B | €179,461 | €180,185 | €190,426 | €179,759 | €174,193 | ▼ 3.1% |
| Recurring financial charges65 | €179,461 | €180,185 | €190,426 | €179,759 | €174,193 | ▼ 3.1% |
| Profit (loss) for the period before taxes9903 | -€54,943 | -€93,658 | €33,455 | €23,372 | -€73,204 | ▼ 413% |
| Income taxes67/77 | - | - | - | €3 | - | - |
| Profit (loss) for the period9904 | -€54,943 | -€93,658 | €33,455 | €23,368 | -€73,204 | ▼ 413% |
| Profit (loss) for the period to be appropriated9905 | -€54,943 | -€93,658 | €33,455 | €23,368 | -€73,204 | ▼ 413% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8.5m | €8.3m | €8.3m | €8.2m | €8.1m | ▼ 0.7% |
| Fixed assets21/28 | €14,899 | €11,389 | €7,878 | €5,625 | - | - |
| Tangible fixed assets22/27 | €14,899 | €11,389 | €7,878 | €5,625 | - | - |
| Furniture and vehicles24 | €3,649 | €2,014 | €378 | - | - | - |
| Other tangible fixed assets26 | €11,250 | €9,375 | €7,500 | €5,625 | - | - |
| Current assets29/58 | €8.5m | €8.3m | €8.3m | €8.2m | €8.1m | ▼ 0.6% |
| Amounts receivable after more than one year29 | €4.0m | €5.0m | €4.0m | €4.0m | €4.0m | = |
| Other amounts receivable291 | €4.0m | €5.0m | €4.0m | €4.0m | €4.0m | = |
| Amounts receivable within one year40/41 | €38,044 | €20,030 | €43,005 | €48,725 | €57,897 | ▲ 18.8% |
| Trade receivables40 | €38,041 | €20,027 | €20,632 | €12,705 | - | - |
| Other amounts receivable41 | €3 | €3 | €22,373 | €36,020 | €57,897 | ▲ 60.7% |
| Current investments50/53 | - | - | €3.9m | €1.0m | €3.8m | ▲ 262% |
| Cash at bank and in hand54/58 | €4.3m | €2.8m | €112,674 | €2.8m | €116,581 | ▼ 95.8% |
| Deferred charges and accrued income490/1 | €185,618 | €440,799 | €228,063 | €357,766 | €221,609 | ▼ 38.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8.5m | €8.3m | €8.3m | €8.2m | €8.1m | ▼ 0.7% |
| Equity10/15 | €5.5m | €5.3m | €5.3m | €5.3m | €5.3m | ▼ 1.4% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €37,617 | €37,617 | €37,617 | €37,617 | €37,617 | = |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | €1,855 | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | €1,855 | - | - |
| Tax-exempt reserves132 | €35,762 | €35,762 | €35,762 | €35,762 | €35,762 | = |
| Distributable reserves133 | - | - | €1,855 | - | €1,855 | - |
| Profit (loss) carried forward14 | €5.5m | €5.3m | €5.3m | €5.3m | €5.2m | ▼ 1.4% |
| Provisions and deferred taxes16 | €2.9m | €2.9m | €2.9m | €2.8m | €2.9m | ▲ 1.3% |
| Provisions for liabilities and charges160/5 | €2.9m | €2.9m | €2.9m | €2.8m | €2.9m | ▲ 1.3% |
| Other liabilities and charges164/5 | €2.9m | €2.9m | €2.9m | €2.8m | €2.9m | ▲ 1.3% |
| Amounts payable17/49 | €21,670 | €98,706 | €82,858 | €33,015 | €11,407 | ▼ 65.4% |
| Amounts payable within one year42/48 | €11,174 | €88,912 | €69,841 | €20,989 | €132 | ▼ 99.4% |
| Trade debts44 | €1,368 | €1,847 | €802 | €649 | €132 | ▼ 79.7% |
| Suppliers440/4 | €1,368 | €1,847 | €802 | €649 | €132 | ▼ 79.7% |
| Taxes, remuneration and social security45 | €9,806 | €7,064 | €9,038 | €20,340 | - | - |
| Taxes450/3 | €6,517 | €3,776 | €5,750 | €5,052 | - | - |
| Remuneration and social security454/9 | €3,288 | €3,288 | €3,288 | €15,288 | - | - |
| Other amounts payable47/48 | - | €80,000 | €60,000 | - | - | - |
| Accrued charges and deferred income492/3 | €10,496 | €9,794 | €13,017 | €12,026 | €11,276 | ▼ 6.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€54,943 | -€93,658 | €33,455 | €23,368 | -€73,204 | ▼ 413% |
| + Depreciation and write-downs630 | €4,564 | €3,510 | €3,510 | €2,253 | - | - |
| Operating cash flow (approximation) | -€50,378 | -€90,148 | €36,965 | €25,622 | -€73,204 | ▼ 386% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | -€1.4m | -€2.7m | €2.6m | -€2.6m | ▼ 200% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 159current ratio 61924.79
Current ratio from 390.67 to 61924.79; short-term debt falls from €20,989 to €132.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 390.67
Current ratio from 118.85 to 390.67; short-term debt falls from €69,841 to €20,989.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €33,455
Net result €33,455 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial
Weakest financial yearnet -€93,658
Net result drops to -€93,658, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-11
Financial
Liquidity times 12current ratio 760.60
Current ratio from 64.27 to 760.60; short-term debt falls from €132,709 to €11,174.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-11
Financial
Highest result since 2018net €5.5m ▲19,833%
Net result €5.5m, the highest in the series.
30-11
Financial
Liquidity times 174current ratio 7125.58
Current ratio from 40.89 to 7125.58; short-term debt falls from €13,794 to €1,187.
30-11
Financial
Equity above €5mEq €5.6m ▲1,145%
2 profitable years in a row build equity to €5.6m.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-05
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.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Keerbergen · 1 establishment unit since 2013
Ground area
2,255 m²
Building footprint
273 m²
Volume, LiDAR
1,458 m³
Parcel 24472F0279/00A004, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
JOMI
since 20132.223.787.851
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0279/00A004 | Flanders | 2,255 m² | 1 · 273 m² | 11.1 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.
Structure & network
Owners and holdings
1 ownerOwners 1
- PADRIparentSourceaccounts PADRI 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 7,986 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
Founded30-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
63920Other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
73300Public relations and communication consultancy
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.