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JONIMMO

Active
Public limited companyfounded 1992active for 34 yearsTaverneux 48, 6661 Houffalize, BelgiumKBO/BCE: BE 0447.848.802
Summary

JONIMMO has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.5m and a net result of -€66,365. Equity is growing by about 6.8% per year across the filed financial years. Its solvency ranks better than 44% of 5,763 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Financials · financial year 2025, full format

2025 annual accounts filed late (24 days) Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00419004.

Turnover
€1.2m
EBIT margin
10.6%
Net result
-€66,365▼ 627%
2024 · -€9,133
Working capital
-€4.1m▼ 214%
2024 · -€1.3m
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result has fallen two years in a row; 2025 is 20% below 2024 and is the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€0.06m 2025 Net result-€0.07m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Turnover€1.2m-
Operating result€0.1m-€1.0m▲ 699%€0.8m▼ 17.2%€0.3m▼ 63.9%€0.1m▼ 64.0%€0.1m▲ 7.1%€0.08m▼ 34.8%€0.06m▼ 19.7%
Net result€0.06m-€0.8m▲ 13×€0.8mabove the sector's middle half▲ 6.9%€0.08mwithin the sector's middle half▼ 90.5%€0.06mwithin the sector's middle half▼ 18.9%-€0.06mbelow the sector's middle half-€0.009mwithin the sector's middle half▲ 85.7%-€0.07mbelow the sector's middle half▼ 627%
EBIT margin10.6%-
Equity€1.6m-€2.3m▲ 49.9%€3.2mabove the sector's middle half▲ 35.6%€3.2mabove the sector's middle half▲ 1.3%€3.7mabove the sector's middle half▲ 14.6%€3.6mabove the sector's middle half▼ 1.7%€3.6mabove the sector's middle half▼ 0.3%€3.5mwithin the sector's middle half▼ 1.8%
Total assets€8.1m-€10.2m▲ 25.7%€5.6mwithin the sector's middle half▼ 44.7%€5.5mwithin the sector's middle half▼ 2.2%€8.0mwithin the sector's middle half▲ 45.7%€8.6mwithin the sector's middle half▲ 6.5%€8.6mwithin the sector's middle half▲ 0.9%€11.3mabove the sector's middle half▲ 31.2%
Debt€6.5m-€7.8m▲ 20.1%€2.4m▼ 68.9%€2.3m▼ 6.7%€4.4m▲ 91.5%€4.9m▲ 13.4%€5.0m▲ 1.7%€7.8m▲ 55.1%
Working capital€0.3m-€0.5m▲ 86.4%€1.5mabove the sector's middle half▲ 199%-€0.04mwithin the sector's middle half-€1.2mbelow the sector's middle half▼ 2,911%-€1.6mbelow the sector's middle half▼ 35.9%-€1.3mbelow the sector's middle half▲ 19.9%-€4.1mbelow the sector's middle half▼ 214%
Solvency19.2%-23.0%▲ 3.7pp56.3%within the sector's middle half▲ 33.3pp58.3%within the sector's middle half▲ 2.0pp45.9%within the sector's middle half▼ 12.4pp42.3%within the sector's middle half▼ 3.5pp41.8%within the sector's middle half▼ 0.5pp31.3%within the sector's middle half▼ 10.5pp
Current ratio1.04-1.06▲ 0.021.65within the sector's middle half▲ 0.590.98within the sector's middle half▼ 0.670.72within the sector's middle half▼ 0.260.66within the sector's middle half▼ 0.060.73within the sector's middle half▲ 0.070.46within the sector's middle half▼ 0.27
Return on assets (ROA)0.7%-7.6%▲ 6.9pp14.8%above the sector's middle half▲ 7.1pp1.4%within the sector's middle half▼ 13.3pp0.8%within the sector's middle half▼ 0.6pp-0.7%within the sector's middle half▼ 1.5pp-0.1%within the sector's middle half▲ 0.6pp-0.6%within the sector's middle half▼ 0.5pp
Staff (FTE)0.5-0.5below the sector's middle half0.5within the sector's middle half=0.5within the sector's middle half=0.5within the sector's middle half=
above within below the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.3m
Fixed assets €7.9m ▲ 54.5%
Current assets €3.4m ▼ 2.4%
Equity and liabilities €11.3m
Equity €3.5m ▼ 1.8%
Debt €7.8m ▲ 55.1%
Debt's share of the balance-sheet total rises from 58.2% to 68.7%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€436,795▲
2024 · €359,627
Cash flow
€309,611▲
2024 · €274,795
Quick ratio
0.11▼
2024 · 0.17
Debt to equity
2.19▲
2024 · 1.39
ROE
-1.9%▼
2024 · -0.3%
Interest coverage
3.00▼
2024 · 3.52
Debt ≤ 1 year
€7.5m▲
2024 · €4.8m
Staff costs
€24,299▼
2024 · €25,082
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,322 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90.3% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.7% went bankrupt
8.6% stopped otherwise
90.3% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 12,322 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet Code20242025
Assets
Total assets20/58€8.6m€11.3m▲
Fixed assets21/28€5.1m€7.9m▲
Tangible fixed assets22/27€4.5m€7.3m▲
Land and buildings22€4.5m€7.2m▲
Plant, machinery and equipment23€0.01m€0.01m▼
Furniture and vehicles24€0.02m€0.04m▲
Financial fixed assets28€0.6m€0.6m=
Current assets29/58€3.5m€3.4m▼
Stocks and contracts in progress3€2.7m€2.6m▼
Stocks30/36€2.7m€2.6m▼
Amounts receivable within one year40/41€0.6m€0.6m▼
Trade receivables40€0.006m€372▼
Other amounts receivable41€0.6m€0.6m▼
Current investments50/53€0.03m€0.04m▲
Cash at bank and in hand54/58€0.2m€0.1m▼
Deferred charges and accrued income490/1€0.03m€0.07m▲
Equity and liabilities
Total equity and liabilities10/49€8.6m€11.3m▲
Equity10/15€3.6m€3.5m▼
Contributions10/11€0.06m€0.06m=
Capital10€0.06m€0.06m=
Issued capital100€0.06m€0.06m=
Reserves13€1.1m€1.1m=
Non-distributable reserves130/1€0.006m€0.006m=
Legal reserve130€0.006m€0.006m=
Distributable reserves133€1.1m€1.1m=
Profit (loss) carried forward14€2.5m€2.4m▼
Amounts payable17/49€5.0m€7.8m▲
Amounts payable within one year42/48€4.8m€7.5m▲
Trade debts44€1.2m€2.6m▲
Suppliers440/4€1.2m€2.6m▲
Advances received on contracts in progress46€0.03m€0.03m▼
Taxes, remuneration and social security45€0.002m€0.003m▲
Taxes450/3€0.001m-
Remuneration and social security454/9€0.002m€0.003m▲
Other amounts payable47/48€3.6m€4.9m▲
Accrued charges and deferred income492/3€0.2m€0.3m▲
Income statement Code20242025
Remuneration, social security and pensions62€0.03m€0.02m▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.3m€0.4m▲
Other operating charges640/8€0.07m€0.08m▲
Non-recurring operating charges66A€0.001m-
Gross operating margin9900€0.5m€0.5m▲
Operating profit (loss)9901€0.08m€0.06m▼
Financial income75/76B€0.02m€0.02m▲
Recurring financial income75€0.02m€0.02m▲
Financial charges65/66B€0.1m€0.1m▲
Recurring financial charges65€0.1m€0.1m▲
Profit (loss) for the period before taxes9903-€0.009m-€0.07m▼
Profit (loss) for the period9904-€0.009m-€0.07m▼
Transfer from tax-exempt reserves789€0.4m-
Profit (loss) for the period to be appropriated9905€0.4m-€0.07m▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.9m€2.4m▼
Profit (loss) brought forward from the previous period14P€2.5m€2.5m▼
Transfer to equity691/2€0.4m-
To other reserves6921€0.4m-
Social balance sheet
Average headcount (FTE)90870.50.5=

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Turnover70€1.2m--------
Non-recurring operating income76A----€0.03m----
Remuneration, social security and pensions62---€0.008m€0.02m€0.02m€0.03m€0.02m▼ 3.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.07m€0.1m€0.1m€0.1m€0.2m€0.3m€0.3m€0.4m▲ 32.4%
Other operating charges640/8---€0.03m€0.06m€0.06m€0.07m€0.08m▲ 7.5%
Non-recurring operating charges66A----€0.09m-€0.001m--
Gross operating margin9900€0.2m€1.2m€1.0m€0.4m€0.5m€0.5m€0.5m€0.5m▲ 17.5%
Operating profit (loss)9901€0.1m€1.0m€0.8m€0.3m€0.1m€0.1m€0.08m€0.06m▼ 19.7%
Financial income75/76B---€0.001m€0.008m€0.01m€0.02m€0.02m▲ 5.4%
Recurring financial income75€0.006m€5€0.001m€0.001m€0.008m€0.01m€0.02m€0.02m▲ 5.4%
Financial charges65/66B---€0.005m€0.02m€0.1m€0.1m€0.1m▲ 42.4%
Recurring financial charges65€0.001m€235€0.001m€0.005m€0.02m€0.1m€0.1m€0.1m▲ 42.4%
Profit (loss) for the period before taxes9903€0.1m€1.0m€0.8m€0.3m€0.1m€0.03m-€0.009m-€0.07m▼ 627%
Income taxes67/77€0.07m€0.2m-€0.2m€0.03m€0.1m---
Profit (loss) for the period9904€0.06m€0.8m€0.8m€0.08m€0.06m-€0.06m-€0.009m-€0.07m▼ 627%
Transfer from tax-exempt reserves789-----€0.2m€0.4m--
Profit (loss) for the period to be appropriated9905€0.06m€0.8m€0.4m€0.08m€0.06m€0.09m€0.4m-€0.07m-
Line20182019202020212022202320242025Change
Assets
Total assets20/58€8.1m€10.2m€5.6m€5.5m€8.0m€8.6m€8.6m€11.3m▲ 31.2%
Fixed assets21/28€1.3m€1.9m€1.8m€3.3m€4.9m€5.3m€5.1m€7.9m▲ 54.5%
Tangible fixed assets22/27€1.2m€1.8m€1.7m€2.6m€4.3m€4.8m€4.5m€7.3m▲ 61.6%
Land and buildings22---€2.6m€4.3m€4.8m€4.5m€7.2m▲ 61.8%
Plant, machinery and equipment23------€0.01m€0.01m▼ 16.8%
Furniture and vehicles24------€0.02m€0.04m▲ 74.2%
Financial fixed assets28€0.1m€0.1m€0.1m€0.7m€0.6m€0.6m€0.6m€0.6m=
Current assets29/58€6.8m€8.3m€3.8m€2.2m€3.1m€3.2m€3.5m€3.4m▼ 2.4%
Stocks and contracts in progress3€5.6m€3.1m€1.5m€1.2m€2.2m€2.3m€2.7m€2.6m▼ 3.5%
Stocks30/36---€1.2m€2.2m€2.3m€2.7m€2.6m▼ 3.5%
Amounts receivable within one year40/41€0.6m€4.4m€0.6m€0.9m€0.9m€0.7m€0.6m€0.6m▼ 2.6%
Trade receivables40---€0.2m€0.01m€0.01m€0.006m€372▼ 93.9%
Other amounts receivable41---€0.7m€0.8m€0.7m€0.6m€0.6m▼ 1.6%
Current investments50/53----€0.03m€0.03m€0.03m€0.04m▲ 11.5%
Cash at bank and in hand54/58€0.5m€0.8m€1.6m€0.2m€0.06m€0.09m€0.2m€0.1m▼ 12.8%
Deferred charges and accrued income490/1---€0.006m€0.01m€0.04m€0.03m€0.07m▲ 140%
Equity and liabilities
Total equity and liabilities10/49€8.1m€10.2m€5.6m€5.5m€8.0m€8.6m€8.6m€11.3m▲ 31.2%
Equity10/15€1.6m€2.3m€3.2m€3.2m€3.7m€3.6m€3.6m€3.5m▼ 1.8%
Contributions10/11€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m=
Capital10---€0.06m€0.06m€0.06m€0.06m€0.06m=
Issued capital100---€0.06m€0.06m€0.06m€0.06m€0.06m=
Reserves13€0.07m€0.07m€0.9m€0.9m€1.1m€1.1m€1.1m€1.1m=
Non-distributable reserves130/1---€0.006m€0.006m€0.006m€0.006m€0.006m=
Legal reserve130---€0.006m€0.006m€0.006m€0.006m€0.006m=
Tax-exempt reserves132----€0.6m€0.4m---
Distributable reserves133---€0.9m€0.5m€0.7m€1.1m€1.1m=
Profit (loss) carried forward14€1.4m€2.2m€2.2m€2.3m€2.5m€2.5m€2.5m€2.4m▼ 2.7%
Provisions and deferred taxes16€0.03m€0.03m€0.03m€0.03m-----
Provisions for liabilities and charges160/5---€0.03m-----
Other liabilities and charges164/5---€0.03m-----
Amounts payable17/49€6.5m€7.8m€2.4m€2.3m€4.4m€4.9m€5.0m€7.8m▲ 55.1%
Amounts payable within one year42/48€6.5m€7.8m€2.3m€2.3m€4.3m€4.8m€4.8m€7.5m▲ 55.8%
Financial debts43----€0.1m----
Credit institutions430/8----€0.1m----
Trade debts44€6.1m€6.8m€0.6m€0.5m€1.0m€1.7m€1.2m€2.6m▲ 117%
Suppliers440/4---€0.5m€1.0m€1.7m€1.2m€2.6m▲ 117%
Advances received on contracts in progress46----€0.03m€0.03m€0.03m€0.03m▼ 16.1%
Taxes, remuneration and social security45---€0.03m€0.008m€0.009m€0.002m€0.003m▲ 43.1%
Taxes450/3---€0.03m€0.006m€0.007m€0.001m--
Remuneration and social security454/9---€0.002m€0.001m€0.002m€0.002m€0.003m▲ 84.8%
Other amounts payable47/48---€1.7m€3.1m€3.1m€3.6m€4.9m▲ 35.7%
Accrued charges and deferred income492/3----€0.01m€0.1m€0.2m€0.3m▲ 36.9%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€0.06m€0.8m€0.8m€0.08m€0.06m-€0.06m-€0.009m-€0.07m▼ 627%
+ Depreciation and write-downs630€0.07m€0.1m€0.1m€0.1m€0.2m€0.3m€0.3m€0.4m▲ 32.4%
Operating cash flow (approximation)€0.1m€0.9m€0.9m€0.2m€0.3m€0.2m€0.3m€0.3m▲ 12.7%
Investment in fixed assets (approximation)--€0.6m-€0.02m-€1.6m-€1.8m-€0.7m-€0.04m-€3.2m▼ 7,501%
Change in cash-€0.3m€0.8m-€1.5m-€0.09m€0.02m€0.08m-€0.02m-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Latest 10 of 34 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 full format 24-08-2026 2026-00419004
31-12-2024 full format 15-07-2025 2025-00272306
31-12-2023 full format 08-08-2024 2024-00336196
31-12-2022 full format 30-08-2023 2023-00380614
31-12-2021 full format 31-08-2022 2022-20407258
31-12-2020 full format 27-10-2021 2021-74400028
31-12-2019 full format 26-11-2020 2020-72200460
31-12-2018 full format 30-09-2019 2019-67700523
31-12-2017 full format 15-11-2018 2018-72200454
31-12-2016 full format 26-09-2017 2017-62500306

Show all 34 filings

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