JUMA
ActiveSummary
JUMA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 378 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+13
Solvency30=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.25 in 2024; short-term debt: 8.3% and cash: 1.7% of total assets), but 95.1% of the assets are financed with debt.
Credit check for your own amount and term
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
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
4.9%
Return on assets
0%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 378 sector peers (2025).
NBB · sector comparisonPosition among 378 sector peers
Solvency
better than 24%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
45 d early
2023
26 d late
2022
28 d early
2021
22 d late
2020
60 d late
2019
45 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k
2024 · €-167k
2018: €-6k
2019: €-716▲ +88.8% vs 2018
2020: €-158k▼ -22032% vs 2019
2021: €227k▲ +243% vs 2020highest in 8 years
2022: €-166k▼ -173% vs 2021
2023: €-399k▼ -140% vs 2022lowest in 8 years
2024: €-167k▲ +58.1% vs 2023
2025: €2k▲ +101% vs 2024
2018 → 2025
Working capital
€662k▼ 27.5%
2024 · €914k
2018: €-1.73M
2019: €-1.72M▲ +0.5% vs 2018
2020: €-2.72M▼ -58.1% vs 2019lowest in 8 years
2021: €-37k▲ +98.6% vs 2020
2022: €-23k▲ +36.9% vs 2021
2023: €906k▲ +4010% vs 2022
2024: €914k▲ +0.8% vs 2023highest in 8 years
2025: €662k▼ -27.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€944k▼ 15.0%€545k▼ 42.2%€378k▼ 30.6%€380k▲ 0.6%
2021: €1.11Mhighest in 5 years
2022: €944k▼ -15.0% vs 2021
2023: €545k▼ -42.2% vs 2022
2024: €378k▼ -30.6% vs 2023lowest in 5 years
2025: €380k▲ +0.6% vs 2024
Operating result€309k-€-125k€-228k▼ 83.2%€43k€81k▲ 90.7%
2021: €309khighest in 5 years
2022: €-125k▼ -140% vs 2021
2023: €-228k▼ -83.2% vs 2022lowest in 5 years
2024: €43k▲ +119% vs 2023
2025: €81k▲ +90.7% vs 2024
Net result€227k-€-166k€-399k▼ 140%€-167k▲ 58.1%€2k
2021: €227khighest in 5 years
2022: €-166k▼ -173% vs 2021
2023: €-399k▼ -140% vs 2022lowest in 5 years
2024: €-167k▲ +58.1% vs 2023
2025: €2k▲ +101% vs 2024
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.81M
Fixed assets
€6.50M ▼ 3.7%
Current assets
€1.31M ▼ 20.2%
Equity and liabilities €7.81M
Equity
€380k ▲ 0.6%
Provisions
€1.19M ▼ 13.7%
Debt
€6.24M ▼ 6.0%
Debt's share of the balance-sheet total rises from 79.0% to 79.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€360k▲
2024 · €270k
Cash flow
€281k▲
2024 · €61k
Current ratio
2.02▼
2024 · 2.25
Quick ratio
1.44▼
2024 · 1.92
Debt to equity
16.40▼
2024 · 17.54
ROE
0.6%▲
2024 · -44.2%
ROA
0.0%▲
2024 · -2.0%
Interest coverage
2.30▲
2024 · 1.10
Debt ≤ 1 year
€649k▼
2024 · €730k
Debt > 1 year
€5.58M▼
2024 · €5.89M
Income taxes
€133▼
2024 · €271
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.39M€7.81M▼
Fixed assets21/28€6.75M€6.50M▼
Tangible fixed assets22/27€5.61M€5.35M▼
Land and buildings22€5.38M€5.10M▼
Plant, machinery and equipment23€190k€251k▲
Furniture and vehicles24€36k€3k▼
Financial fixed assets28€1.14M€1.14M=
Current assets29/58€1.64M€1.31M▼
Stocks and contracts in progress3€242k€376k▲
Stocks30/36€242k€376k▲
Amounts receivable within one year40/41€1.34M€792k▼
Trade receivables40€9k€1k▼
Other amounts receivable41€1.33M€791k▼
Cash at bank and in hand54/58€64k€137k▲
Deferred charges and accrued income490/1€0€6k▲
Equity and liabilities
Total equity and liabilities10/49€8.39M€7.81M▼
Equity10/15€378k€380k▲
Contributions10/11€1.06M€1.06M=
Capital10€1.06M€1.06M=
Issued capital100€1.06M€1.06M=
Reserves13€166k€154k▼
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€155k€143k▼
Profit (loss) carried forward14€-850k€-836k▲
Provisions and deferred taxes16€1.38M€1.19M▼
Provisions for liabilities and charges160/5€1.32M€1.14M▼
Other liabilities and charges164/5€1.32M€1.14M▼
Deferred taxes168€61k€56k▼
Amounts payable17/49€6.63M€6.24M▼
Amounts payable after more than one year17€5.89M€5.58M▼
Financial debts170/4€5.89M€5.58M▼
Other amounts payable178/9€2k€2k▼
Amounts payable within one year42/48€730k€649k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Financial debts43€500k€500k=
Credit institutions430/8€500k€500k=
Trade debts44€9k€27k▲
Suppliers440/4€9k€27k▲
Taxes, remuneration and social security45€545€948▲
Taxes450/3€545€948▲
Other amounts payable47/48€200k€100k▼
Accrued charges and deferred income492/3€12k€9k▼
Income statement
Code20242025
Non-recurring operating income76A€17k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€228k€278k▲
Other operating charges640/8€60k€53k▼
Non-recurring operating charges66A€76k€49k▼
Gross operating margin9900€406k€461k▲
Operating profit (loss)9901€43k€81k▲
Financial income75/76B€4k€72k▲
Recurring financial income75€4k€72k▲
Financial charges65/66B€245k€156k▼
Recurring financial charges65€245k€156k▼
Profit (loss) for the period before taxes9903€-199k€-3k▲
Transfer from deferred taxes780€32k€5k▼
Income taxes67/77€271€133▼
Profit (loss) for the period9904€-167k€2k▲
Transfer from tax-exempt reserves789€64k€12k▼
Profit (loss) for the period to be appropriated9905€-103k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-850k€-836k▲
Profit (loss) brought forward from the previous period14P€-747k€-850k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €420k | - | €33k | €17k | €117k | ▲ 584% |
| Remuneration, social security and pensions62 | €9k | - | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €192k | €213k | €288k | €228k | €278k | ▲ 22.2% |
| Other operating charges640/8 | €47k | €46k | €53k | €60k | €53k | ▼ 11.8% |
| Non-recurring operating charges66A | €20k | €37k | €115k | €76k | €49k | ▼ 35.8% |
| Gross operating margin9900 | €576k | €171k | €228k | €406k | €461k | ▲ 13.5% |
| Operating profit (loss)9901 | €309k | €-125k | €-228k | €43k | €81k | ▲ 90.7% |
| Financial income75/76B | - | €0 | €36 | €4k | €72k | ▲ 1,857% |
| Recurring financial income75 | - | €0 | €36 | €4k | €72k | ▲ 1,857% |
| Financial charges65/66B | €43k | €50k | €178k | €245k | €156k | ▼ 36.2% |
| Recurring financial charges65 | €43k | €50k | €178k | €245k | €156k | ▼ 36.2% |
| Profit (loss) for the period before taxes9903 | €266k | €-174k | €-406k | €-199k | €-3k | ▲ 98.7% |
| Transfer from deferred taxes780 | €8k | €8k | €8k | €32k | €5k | ▼ 84.5% |
| Transfer to deferred taxes680 | €43k | - | - | - | - | - |
| Income taxes67/77 | €4k | €7 | €275 | €271 | €133 | ▼ 50.9% |
| Profit (loss) for the period9904 | €227k | €-166k | €-399k | €-167k | €2k | ▲ 101% |
| Transfer from tax-exempt reserves789 | €18k | €17k | €17k | €64k | €12k | ▼ 81.5% |
| Transfer to tax-exempt reserves689 | €129k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €115k | €-149k | €-382k | €-103k | €14k | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.60M | €5.47M | €8.19M | €8.39M | €7.81M | ▼ 7.0% |
| Fixed assets21/28 | €4.04M | €4.62M | €6.07M | €6.75M | €6.50M | ▼ 3.7% |
| Tangible fixed assets22/27 | €4.03M | €3.90M | €5.33M | €5.61M | €5.35M | ▼ 4.5% |
| Land and buildings22 | €3.99M | €3.79M | €5.14M | €5.38M | €5.10M | ▼ 5.2% |
| Plant, machinery and equipment23 | €23k | €50k | €145k | €190k | €251k | ▲ 32.0% |
| Furniture and vehicles24 | €18k | €66k | €53k | €36k | €3k | ▼ 91.8% |
| Financial fixed assets28 | €9k | €719k | €739k | €1.14M | €1.14M | = |
| Current assets29/58 | €568k | €847k | €2.11M | €1.64M | €1.31M | ▼ 20.2% |
| Stocks and contracts in progress3 | €246k | €12k | €936k | €242k | €376k | ▲ 55.3% |
| Stocks30/36 | €246k | €12k | €936k | €242k | €376k | ▲ 55.3% |
| Amounts receivable within one year40/41 | €320k | €821k | €1.16M | €1.34M | €792k | ▼ 40.7% |
| Trade receivables40 | - | €15k | €4k | €9k | €1k | ▼ 84.8% |
| Other amounts receivable41 | €320k | €807k | €1.15M | €1.33M | €791k | ▼ 40.4% |
| Cash at bank and in hand54/58 | €2k | €12k | €20k | €64k | €137k | ▲ 112% |
| Deferred charges and accrued income490/1 | - | €2k | €531 | €0 | €6k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.60M | €5.47M | €8.19M | €8.39M | €7.81M | ▼ 7.0% |
| Equity10/15 | €1.11M | €944k | €545k | €378k | €380k | ▲ 0.6% |
| Contributions10/11 | €1.06M | €1.06M | €1.06M | €1.06M | €1.06M | = |
| Capital10 | €1.06M | €1.06M | €1.06M | €1.06M | €1.06M | = |
| Issued capital100 | €1.06M | €1.06M | €1.06M | €1.06M | €1.06M | = |
| Reserves13 | €265k | €248k | €231k | €166k | €154k | ▼ 7.2% |
| Non-distributable reserves130/1 | €11k | €11k | €11k | €11k | €11k | = |
| Legal reserve130 | €11k | €11k | €11k | €11k | €11k | = |
| Tax-exempt reserves132 | €254k | €237k | €220k | €155k | €143k | ▼ 7.7% |
| Profit (loss) carried forward14 | €-217k | €-366k | €-747k | €-850k | €-836k | ▲ 1.7% |
| Provisions and deferred taxes16 | €662k | €1.31M | €1.48M | €1.38M | €1.19M | ▼ 13.7% |
| Provisions for liabilities and charges160/5 | €553k | €1.21M | €1.38M | €1.32M | €1.14M | ▼ 14.0% |
| Other liabilities and charges164/5 | €553k | €1.21M | €1.38M | €1.32M | €1.14M | ▼ 14.0% |
| Deferred taxes168 | €109k | €101k | €93k | €61k | €56k | ▼ 8.1% |
| Amounts payable17/49 | €2.83M | €3.21M | €6.17M | €6.63M | €6.24M | ▼ 6.0% |
| Amounts payable after more than one year17 | €2.22M | €2.34M | €4.94M | €5.89M | €5.58M | ▼ 5.3% |
| Financial debts170/4 | €2.22M | €2.34M | €4.94M | €5.89M | €5.58M | ▼ 5.3% |
| Other amounts payable178/9 | €2k | €2k | €2k | €2k | €2k | ▼ 5.1% |
| Amounts payable within one year42/48 | €604k | €870k | €1.21M | €730k | €649k | ▼ 11.1% |
| Current portion of amounts payable after more than one year42 | €99k | €85k | €62k | €20k | €21k | ▲ 3.4% |
| Financial debts43 | €505k | €755k | €1.13M | €500k | €500k | = |
| Credit institutions430/8 | €505k | €755k | €1.13M | €500k | €500k | = |
| Trade debts44 | €613 | €30k | €14k | €9k | €27k | ▲ 186% |
| Suppliers440/4 | €613 | €30k | €14k | €9k | €27k | ▲ 186% |
| Taxes, remuneration and social security45 | €152 | €7 | €2k | €545 | €948 | ▲ 73.8% |
| Taxes450/3 | €152 | €7 | €2k | €545 | €948 | ▲ 73.8% |
| Other amounts payable47/48 | - | - | - | €200k | €100k | ▼ 50.0% |
| Accrued charges and deferred income492/3 | €3k | €3k | €15k | €12k | €9k | ▼ 25.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €227k | €-166k | €-399k | €-167k | €2k | ▲ 101% |
| + Depreciation and write-downs630 | €192k | €213k | €288k | €228k | €278k | ▲ 22.2% |
| Operating cash flow (approximation) | €418k | €46k | €-111k | €61k | €281k | ▲ 362% |
| Investment in fixed assets (approximation) | - | €-800k | €-1.74M | €-904k | €-27k | ▲ 97.0% |
| Change in cash | - | €10k | €8k | €45k | €72k | ▲ 61.8% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-399k
Net result drops to €-399k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €227k
Net result €227k after 3 loss-making years.
31-12
Financial
Equity above €1MEq €1.11M ▲25.6%
Equity rises from €884k to €1.11M.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Equity above €500kEq €884k ▲1,987%
Equity rises from €42k to €884k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Oostende · 1 establishment unit since 1997
Ground area
170 m²
Building footprint
170 m²
Volume, LiDAR
2,941 m³
Parcel 35386D0251/00G009, Flanders · tallest building 24.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
JUMA NV
since 19972.082.554.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35386D0251/00G009 | Flanders | 170 m² | 1 · 170 m² | 24.9 m · 7 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 3,000 companies in sector 55203 we hold annual accounts for 691. 460 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded24-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
18130Pre-press and pre-media services
82300Organisation of conventions and trade shows
90393Specialised image, lighting and sound technical services
Scores and ratios are computed by Checked and are not a credit decision.