JOMOCARS
ActiveJOMOCARS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €604k and a net result of €82k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 1029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 7.17 against 6.79 in 2024; short-term debt: 12.5% and cash: 31.4% of total assets), and 12.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
87.1%
Return on assets
11.8%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
19202122232425
2019 to 2025 · latest year €604k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
2 d early
2023
on the day
2022
on the day
2021
on the day
2020
5 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€604k▲ 15.7%
2024 · €522k
2019: €651k
2020: €709k
2021: €704k
2022: €532k
2023: €540k
2024: €522k
2019 → 2025
Total assets
€694k▲ 15.4%
2024 · €601k
2019: €872k
2020: €832k
2021: €866k
2022: €911k
2023: €763k
2024: €601k
2019 → 2025
Net result
€82k▼ 22.6%
2024 · €106k
2019: €72k
2020: €58k
2021: €75k
2022: €59k
2023: €91k
2024: €106k
2019 → 2025
Working capital
€533k▲ 24.1%
2024 · €429k
2019: €599k
2020: €607k
2021: €573k
2022: €407k
2023: €424k
2024: €429k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€704k-€532k▼ 24.5%€540k▲ 1.6%€522k▼ 3.3%€604k▲ 15.7%
Operating result€87k-€101k▲ 15.1%€116k▲ 15.6%€142k▲ 22.2%€110k▼ 22.6%
Net result€75k-€59k▼ 21.1%€91k▲ 53.3%€106k▲ 17.1%€82k▼ 22.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €694k
Fixed assets
€75k▼ 23.8%
Current assets
€619k▲ 23.0%
Equity and liabilities €694k
Equity
€604k▲ 15.7%
Provisions
€3k▼ 37.5%
Debt
€86k▲ 16.6%
The debt ratio rises from 12.3% to 12.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€134k▼
2024 · €166k
Cash flow
€106k▼
2024 · €130k
Solvency
87.1%▲
2024 · 86.9%
Current ratio
7.17▲
2024 · 6.79
Quick ratio
5.90▲
2024 · 5.33
Debt / equity
0.14▲
2024 · 0.14
ROE
13.6%▼
2024 · 20.3%
ROA
11.8%▼
2024 · 17.6%
Interest coverage
145.45▲
2024 · -35.01
Debt
€86k▲
2024 · €74k
Debt ≤ 1 year
€86k▲
2024 · €74k
Income taxes
€33k▼
2024 · €44k
Staff costs
€381▲
2024 · €0
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€601k€694k▲
Fixed assets21/28€98k€75k▼
Tangible fixed assets22/27€98k€75k▼
Land and buildings22€93k€72k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€240€507▲
Current assets29/58€503k€619k▲
Stocks and contracts in progress3€109k€109k▲
Stocks30/36€109k€109k▲
Amounts receivable within one year40/41€14k€37k▲
Trade receivables40€14k€18k▲
Other amounts receivable41€13€19k▲
Current investments50/53€256k€255k▼
Cash at bank and in hand54/58€113k€218k▲
Deferred charges and accrued income490/1€12k€0▼
Equity and liabilities
Total equity and liabilities10/49€601k€694k▲
Equity10/15€522k€604k▲
Contributions10/11€1k€1k=
Reserves13€521k€603k▲
Tax-exempt reserves132€114k€114k=
Distributable reserves133€407k€490k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€5k€3k▼
Provisions for liabilities and charges160/5€5k€3k▼
Other liabilities and charges164/5€5k€3k▼
Amounts payable17/49€74k€86k▲
Amounts payable within one year42/48€74k€86k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€31k€33k▲
Suppliers440/4€31k€33k▲
Advances received on contracts in progress46-€27k
Taxes, remuneration and social security45€35k€18k▼
Taxes450/3€35k€18k▼
Other amounts payable47/48€8k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0€381▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€17k
Provisions for liabilities and charges: additions (uses and reversals)635/8€0€-2k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€173k€156k▼
Operating profit (loss)9901€142k€110k▼
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€-5k€920▲
Recurring financial charges65€-5k€920▲
Profit (loss) for the period before taxes9903€150k€116k▼
Income taxes67/77€44k€33k▼
Profit (loss) for the period9904€106k€82k▼
Transfer from tax-exempt reserves789€67k€0▼
Transfer to tax-exempt reserves689€51k€0▼
Profit (loss) for the period to be appropriated9905€122k€82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€82k▼
Transfer from equity791/2€124k€0▼
Transfer to equity691/2€122k€82k▼
To other reserves6921€122k€82k▼
Profit to be distributed694/7€124k€0▼
Return on contributions (dividend)694€124k€0▼
The notes to these accounts (6 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €106k ▲17.1%
Operating result €142k, net result €106k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 6.79
Current ratio from 2.94 to 6.79; short-term debt falls from €218k to €74k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €58k ▼19.2%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Dentergem · 1 establishment unit since 2006
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.
Statiestraat(Den) 1438720 DentergemGround area
1,949 m²
Building footprint
861 m²
Volume, LiDAR
4,363 m³
Parcel 37002A0246/00M003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jomocars
since 20062.156.903.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37002A0246/00M003 | Flanders | 1,949 m² | 1 · 861 m² | 8.0 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.
Similar companies · same sector, comparable size
GARAGE DE DAPPER
BE 0886.730.547
Lievegem · Eq €605k
GARAGE WILLEMS GEERT
BE 0426.109.122
Dendermonde · Eq €605k
VANDENBROUCKE G.
BE 0426.678.254
Koksijde · Eq €603k
Garage Lijnen K
BE 0867.739.333
Houthalen-Helchteren · Eq €606k
A.B.CARS
BE 0842.951.873
Mons · Eq €599k
Of 7,378 companies in sector 95311 we hold annual accounts for 2,959. 1,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2006
Fiscal year end30-06
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
35110Production of electricity from non-renewable sources
35150Electricity, gas, steam and air conditioning supply
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
77210Renting and leasing of sports and recreation goods
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.