JU-MA
ActiveSummary
JU-MA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 86% of 1316 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+39
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.77 against 5.0 in 2024; short-term debt: 18.5% and cash: 40% of total assets), and 19.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Repair, maintenance and installation of machinery and equipment (NACE 33)
about 56% more bankruptcies
← 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
80.5%
Return on assets
10.1%
Age of the figures
9 mo
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
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 12-07-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
33 d early
2023
15 d early
2022
18 d early
2021
41 d early
2020
43 d early
2019
47 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 37.0%
2024 · €63k
Total assets
€50k▼ 33.7%
2024 · €75k
Net result
€5k
2024 · €-3k
Working capital
€25k▼ 42.3%
2024 · €44k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24k€23k▼ 4.1%€18k▼ 21.3%€1k▼ 93.2%€9k▲ 592%
Net result€17k€20k▲ 17.9%€11k▼ 44.7%€-3k€5k
Equity€71k▲ 31.7%€91k▲ 28.4%€82k▼ 10.1%€63k▼ 22.7%€40k▼ 37.0%
Total assets€96k▲ 14.2%€118k▲ 22.3%€87k▼ 25.6%€75k▼ 14.6%€50k▼ 33.7%
Debt€25k▼ 16.9%€27k▲ 5.2%€6k▼ 78.7%€11k▲ 102%€10k▼ 15.1%
Working capital€60k▲ 60.0%€61k▲ 1.8%€57k▼ 6.2%€44k▼ 23.1%€25k▼ 42.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 592% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€15k ▼ 23.8%
Current assets
€35k ▼ 37.2%
Equity and liabilities €50k
Equity
€40k ▼ 37.0%
Debt
€10k ▼ 15.1%
Debt's share of the balance-sheet total rises from 15.3% to 19.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €7k
Cash flow
€11k▲
2024 · €3k
Current ratio
3.77▼
2024 · 5.00
Debt to equity
0.24▲
2024 · 0.18
ROE
12.6%▲
2024 · -4.4%
ROA
10.1%▲
2024 · -3.8%
Interest coverage
4.62▲
2024 · 2.06
Debt ≤ 1 year
€9k▼
2024 · €11k
Income taxes
€617▼
2024 · €759
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 | - | - | - | - | €1k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €5k | €6k | €6k | €5k | ▼ 11.0% |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €2k | ▲ 36.4% |
| Non-recurring operating charges66A | - | - | - | €546 | - | - |
| Gross operating margin9900 | €37k | €30k | €26k | €9k | €16k | ▲ 71.1% |
| Operating profit (loss)9901 | €24k | €23k | €18k | €1k | €9k | ▲ 592% |
| Financial income75/76B | €3 | €5k | €176 | €311 | €144 | ▼ 53.7% |
| Recurring financial income75 | €3 | €5 | €176 | €311 | €144 | ▼ 53.7% |
| Non-recurring financial income76B | - | €5k | - | - | - | - |
| Financial charges65/66B | €1k | €636 | €3k | €4k | €3k | ▼ 15.6% |
| Recurring financial charges65 | €1k | €636 | €3k | €4k | €3k | ▼ 15.6% |
| Profit (loss) for the period before taxes9903 | €23k | €27k | €15k | €-2k | €6k | ▲ 375% |
| Income taxes67/77 | €6k | €7k | €4k | €759 | €617 | ▼ 18.6% |
| Profit (loss) for the period9904 | €17k | €20k | €11k | €-3k | €5k | ▲ 279% |
| Profit (loss) for the period to be appropriated9905 | €17k | €20k | €11k | €-3k | €5k | ▲ 279% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €96k | €118k | €87k | €75k | €50k | ▼ 33.7% |
| Fixed assets21/28 | €11k | €30k | €25k | €20k | €15k | ▼ 23.8% |
| Tangible fixed assets22/27 | €11k | €30k | €25k | €20k | €15k | ▼ 23.8% |
| Land and buildings22 | €108 | - | - | - | - | - |
| Plant, machinery and equipment23 | €2k | €23k | €20k | €18k | €14k | ▼ 19.9% |
| Furniture and vehicles24 | €4k | €3k | €2k | €822 | - | - |
| Other tangible fixed assets26 | €5k | €4k | €2k | €896 | €597 | ▼ 33.3% |
| Current assets29/58 | €85k | €87k | €63k | €55k | €35k | ▼ 37.2% |
| Amounts receivable within one year40/41 | €14k | €12k | €14k | €15k | €11k | ▼ 21.5% |
| Trade receivables40 | €11k | €12k | €9k | €9k | €6k | ▼ 27.0% |
| Other amounts receivable41 | €4k | €355 | €5k | €6k | €5k | ▼ 13.2% |
| Cash at bank and in hand54/58 | €69k | €72k | €46k | €36k | €20k | ▼ 45.4% |
| Deferred charges and accrued income490/1 | €2k | €3k | €3k | €4k | €3k | ▼ 20.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €96k | €118k | €87k | €75k | €50k | ▼ 33.7% |
| Equity10/15 | €71k | €91k | €82k | €63k | €40k | ▼ 37.0% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €65k | €85k | €76k | €58k | €34k | ▼ 42.0% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €63k | €83k | €76k | €58k | €34k | ▼ 42.0% |
| Profit (loss) carried forward14 | €0 | - | - | €-948 | €0 | ▲ 100% |
| Amounts payable17/49 | €25k | €27k | €6k | €11k | €10k | ▼ 15.1% |
| Amounts payable within one year42/48 | €25k | €27k | €6k | €11k | €9k | ▼ 16.8% |
| Current portion of amounts payable after more than one year42 | €6k | - | - | - | - | - |
| Trade debts44 | €1k | €4k | €2k | €3k | €933 | ▼ 67.2% |
| Suppliers440/4 | €1k | €4k | €2k | €3k | €933 | ▼ 67.2% |
| Taxes, remuneration and social security45 | €792 | €757 | €722 | €1k | €0 | ▼ 100% |
| Taxes450/3 | €792 | €757 | €722 | €1k | €0 | ▼ 100% |
| Other amounts payable47/48 | €18k | €22k | €3k | €7k | €8k | ▲ 20.9% |
| Accrued charges and deferred income492/3 | - | - | - | €398 | €531 | ▲ 33.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €20k | €11k | €-3k | €5k | ▲ 279% |
| + Depreciation and write-downs630 | €12k | €5k | €6k | €6k | €5k | ▼ 11.0% |
| Operating cash flow (approximation) | €29k | €26k | €17k | €3k | €11k | ▲ 213% |
| Investment in fixed assets (approximation) | - | €-24k | €-906 | €-1k | €-784 | ▲ 35.9% |
| Change in cash | - | €4k | €-27k | €-9k | €-16k | ▼ 74.6% |
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
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 11.12
Current ratio from 3.29 to 11.12; short-term debt falls from €27k to €6k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €20k ▲17.9%
Net result €20k, the highest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
Show earlier events
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Houthalen-Helchteren · 1 establishment unit since 2012
Ground area
647 m²
Building footprint
136 m²
Volume, LiDAR
854 m³
Parcel 72452E1153/00T075, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JU-MA
since 20122.209.935.063
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E1153/00T075 | Flanders | 647 m² | 1 · 136 m² | 8.4 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.
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Of 3,718 companies in sector 33120 we hold annual accounts for 1,344. 1,007 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
Founded05-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
33120Repair and maintenance of machinery
42110Construction of roads and motorways
42120Civil engineering
43230Insulation installation
43350Other building finishing work
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.