JOWIMO
ActiveSummary
JOWIMO has been active since 2002 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €153,687 and a net result of -€18,769. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability4▼-4
Solvency100=
Growth32=
Track record92
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 75.53 against 92.94 in 2024; short-term debt: 0.8% and cash: 0.2% of total assets), and 0.8% of the assets are financed with debt.
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Signals
Six 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€18,769
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 06-05-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
139 d early
2023
93 d early
2022
143 d early
2021
23 d early
2020
36 d early
2019
61 d early
← 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 79 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today. Usually files around 30 March (4 of the last 5 filed years within 51 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-11-2026 close30-06-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€153,687▼ 10.9%
2024 · €172,455
Total assets
€154,848▼ 10.7%
2024 · €173,455
Net result
-€18,769▼ 30.2%
2024 · -€14,421
Working capital
€86,593▼ 5.8%
2024 · €91,943
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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-€8,204▼ 1.6%-€20,574▼ 151%-€18,415▲ 10.5%-€15,620▲ 15.2%-€18,697▼ 19.7%
Net result-€9,132below the sector's middle half▼ 79.5%-€19,085below the sector's middle half▼ 109%-€17,455below the sector's middle half▲ 8.5%-€14,421below the sector's middle half▲ 17.4%-€18,769below the sector's middle half▼ 30.2%
Equity€223,416above the sector's middle half▼ 1.5%€204,331above the sector's middle half▼ 8.5%€186,876above the sector's middle half▼ 8.5%€172,455above the sector's middle half▼ 7.7%€153,687within the sector's middle half▼ 10.9%
Total assets€226,884within the sector's middle half▼ 7.4%€205,331within the sector's middle half▼ 9.5%€187,876within the sector's middle half▼ 8.5%€173,455within the sector's middle half▼ 7.7%€154,848within the sector's middle half▼ 10.7%
Debt€3,468▼ 80.9%€1,000▼ 71.2%€1,000=€1,000=€1,162▲ 16.2%
Working capital€102,647within the sector's middle half▲ 19.7%€96,981within the sector's middle half▼ 5.5%€92,945within the sector's middle half▼ 4.2%€91,943within the sector's middle half▼ 1.1%€86,593within the sector's middle half▼ 5.8%
Solvency98.5%above the sector's middle half▲ 5.9pp99.5%above the sector's middle half▲ 1.0pp99.5%above the sector's middle half=99.4%above the sector's middle half=99.2%above the sector's middle half▼ 0.2pp
Current ratio30.59above the sector's middle half▲ 24.8697.98above the sector's middle half▲ 67.3993.94above the sector's middle half▼ 4.0492.94above the sector's middle half▼ 1.0075.53above the sector's middle half▼ 17.41
Return on assets (ROA)-4.0%below the sector's middle half▼ 1.9pp-9.3%below the sector's middle half▼ 5.3pp-9.3%below the sector's middle half=-8.3%below the sector's middle half▲ 1.0pp-12.1%below the sector's middle half▼ 3.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, 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 stays negative: a loss of €18,697 in 2025 against €15,620 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154,848
Fixed assets
€67,094 ▼ 16.7%
Current assets
€87,755 ▼ 5.6%
Equity and liabilities €154,848
Equity
€153,687 ▼ 10.9%
Debt
€1,162 ▲ 16.2%
Debt's share of the balance-sheet total rises from 0.6% to 0.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€5,278▼
2024 · -€2,201
Cash flow
-€5,350▼
2024 · -€1,002
Debt to equity
0.01▲
2024 · 0.01
ROE
-12.2%▼
2024 · -8.4%
Interest coverage
-73.66▼
2024 · -11.96
Debt ≤ 1 year
€1,162▲
2024 · €1,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 5,836 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,419 | €13,419 | €13,419 | €13,419 | €13,419 | = |
| Other operating charges640/8 | €449 | €450 | €493 | €505 | €400 | ▼ 20.9% |
| Gross operating margin9900 | €5,663 | -€6,706 | -€4,503 | -€1,696 | -€4,879 | ▼ 188% |
| Operating profit (loss)9901 | -€8,204 | -€20,574 | -€18,415 | -€15,620 | -€18,697 | ▼ 19.7% |
| Financial income75/76B | €1,721 | €1,630 | €1,110 | €1,384 | €0 | ▼ 100% |
| Recurring financial income75 | €1,721 | €1,630 | €1,110 | €1,384 | €0 | ▼ 100% |
| Financial charges65/66B | €181 | €141 | €150 | €184 | €72 | ▼ 61.1% |
| Recurring financial charges65 | €181 | €141 | €150 | €184 | €72 | ▼ 61.1% |
| Profit (loss) for the period before taxes9903 | -€6,664 | -€19,085 | -€17,455 | -€14,421 | -€18,769 | ▼ 30.2% |
| Income taxes67/77 | €2,468 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€9,132 | -€19,085 | -€17,455 | -€14,421 | -€18,769 | ▼ 30.2% |
| Transfer from tax-exempt reserves789 | €13,000 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €3,868 | -€19,085 | -€17,455 | -€14,421 | -€18,769 | ▼ 30.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €226,884 | €205,331 | €187,876 | €173,455 | €154,848 | ▼ 10.7% |
| Fixed assets21/28 | €120,769 | €107,350 | €93,931 | €80,513 | €67,094 | ▼ 16.7% |
| Tangible fixed assets22/27 | €120,769 | €107,350 | €93,931 | €80,513 | €67,094 | ▼ 16.7% |
| Land and buildings22 | €120,769 | €107,350 | €93,931 | €80,513 | €67,094 | ▼ 16.7% |
| Current assets29/58 | €106,115 | €97,981 | €93,945 | €92,943 | €87,755 | ▼ 5.6% |
| Amounts receivable within one year40/41 | €59,163 | €53,170 | €49,227 | €47,060 | €42,846 | ▼ 9.0% |
| Other amounts receivable41 | €59,163 | €53,170 | €49,227 | €47,060 | €42,846 | ▼ 9.0% |
| Cash at bank and in hand54/58 | €2,302 | €161 | €68 | €1,232 | €258 | ▼ 79.0% |
| Deferred charges and accrued income490/1 | €44,650 | €44,650 | €44,650 | €44,650 | €44,650 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €226,884 | €205,331 | €187,876 | €173,455 | €154,848 | ▼ 10.7% |
| Equity10/15 | €223,416 | €204,331 | €186,876 | €172,455 | €153,687 | ▼ 10.9% |
| Contributions10/11 | €16,200 | €16,200 | €16,200 | €16,200 | €16,200 | = |
| Reserves13 | €50,728 | €50,728 | €50,728 | €50,728 | €50,728 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €48,868 | €48,868 | €48,868 | €48,868 | €48,868 | = |
| Profit (loss) carried forward14 | €156,488 | €137,403 | €119,948 | €105,528 | €86,759 | ▼ 17.8% |
| Amounts payable17/49 | €3,468 | €1,000 | €1,000 | €1,000 | €1,162 | ▲ 16.2% |
| Amounts payable within one year42/48 | €3,468 | €1,000 | €1,000 | €1,000 | €1,162 | ▲ 16.2% |
| Trade debts44 | - | - | - | - | €162 | - |
| Suppliers440/4 | - | - | - | - | €162 | - |
| Taxes, remuneration and social security45 | €2,468 | - | - | - | - | - |
| Taxes450/3 | €2,468 | - | - | - | - | - |
| Other amounts payable47/48 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,132 | -€19,085 | -€17,455 | -€14,421 | -€18,769 | ▼ 30.2% |
| + Depreciation and write-downs630 | €13,419 | €13,419 | €13,419 | €13,419 | €13,419 | = |
| Operating cash flow (approximation) | €4,286 | -€5,666 | -€4,036 | -€1,002 | -€5,350 | ▼ 434% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€2,141 | -€92 | €1,164 | -€974 | ▼ 184% |
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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
22-03
KBO administration
UBO non-compliance
event 11-03-2024
2023
07-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial
Weakest financial yearnet -€19,085
Net result drops to -€19,085, the lowest in the series; recovery starts the following year.
30-11
Financial
Liquidity triplescurrent ratio 97.98
Current ratio from 30.59 to 97.98; short-term debt falls from €3,468 to €1,000.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-11
Financial
Liquidity times 5current ratio 30.59
Current ratio from 5.73 to 30.59; short-term debt falls from €18,127 to €3,468.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Kapellen · 1 establishment unit since 2002
Ground area
1.8 ha
Building footprint
235 m²
Volume, LiDAR
3,387 m³
Parcel 11362M0487/00B002, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Hoogboomsteenweg 8, 2950 Kapellen
since 20022.095.988.371
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0487/00B002 | Flanders | 1.8 ha | 1 · 235 m² | 16.9 m · 5 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 1,743 companies in sector 46150 we hold annual accounts for 758. 570 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 (pre-2019)
Founded04-03-2002
Fiscal year end30-11
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477004428
Registered
09-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.