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 €380,368 and a net result of €2,172. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 379 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 €22,000 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.
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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
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 379 sector peers (2025).
NBB · sector comparisonPosition among 379 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 →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 44% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2,172
2024 · -€167,062
Working capital
€662,269▼ 27.5%
2024 · €913,573
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€308,859-€124,549-€228,180▼ 83.2%€42,572€81,170▲ 90.7%
Net result€226,577-€166,459-€398,734▼ 140%-€167,062▲ 58.1%€2,172
Equity€1.1m▲ 25.6%€943,992▼ 15.0%€545,258▼ 42.2%€378,196▼ 30.6%€380,368▲ 0.6%
Total assets€4.6m▼ 5.8%€5.5m▲ 18.8%€8.2m▲ 49.7%€8.4m▲ 2.5%€7.8m▼ 7.0%
Debt€2.8m▼ 11.7%€3.2m▲ 13.5%€6.2m▲ 91.9%€6.6m▲ 7.6%€6.2m▼ 6.0%
Working capital-€36,740▲ 98.6%-€23,182▲ 36.9%€906,389€913,573▲ 0.8%€662,269▼ 27.5%
Staff (FTE)0.3000
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 €7.8m
Fixed assets
€6.5m ▼ 3.7%
Current assets
€1.3m ▼ 20.2%
Equity and liabilities €7.8m
Equity
€380,368 ▲ 0.6%
Provisions
€1.2m ▼ 13.7%
Debt
€6.2m ▼ 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
€359,597▲
2024 · €270,417
Cash flow
€280,599▲
2024 · €60,783
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
€648,818▼
2024 · €730,055
Debt > 1 year
€5.6m▼
2024 · €5.9m
Income taxes
€133▼
2024 · €271
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 | €420,182 | - | €32,670 | €17,059 | €116,648 | ▲ 584% |
| Remuneration, social security and pensions62 | €8,874 | - | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €191,823 | €212,899 | €287,760 | €227,845 | €278,427 | ▲ 22.2% |
| Other operating charges640/8 | €46,997 | €45,792 | €53,192 | €59,737 | €52,676 | ▼ 11.8% |
| Non-recurring operating charges66A | €19,502 | €37,267 | €114,779 | €76,296 | €49,001 | ▼ 35.8% |
| Gross operating margin9900 | €576,055 | €171,409 | €227,551 | €406,450 | €461,274 | ▲ 13.5% |
| Operating profit (loss)9901 | €308,859 | -€124,549 | -€228,180 | €42,572 | €81,170 | ▲ 90.7% |
| Financial income75/76B | - | €0 | €36 | €3,704 | €72,486 | ▲ 1,857% |
| Recurring financial income75 | - | €0 | €36 | €3,704 | €72,486 | ▲ 1,857% |
| Financial charges65/66B | €42,966 | €49,585 | €177,996 | €245,103 | €156,326 | ▼ 36.2% |
| Recurring financial charges65 | €42,966 | €49,585 | €177,996 | €245,103 | €156,326 | ▼ 36.2% |
| Profit (loss) for the period before taxes9903 | €265,893 | -€174,133 | -€406,140 | -€198,826 | -€2,670 | ▲ 98.7% |
| Transfer from deferred taxes780 | €8,058 | €7,681 | €7,681 | €32,035 | €4,975 | ▼ 84.5% |
| Transfer to deferred taxes680 | €43,143 | - | - | - | - | - |
| Income taxes67/77 | €4,231 | €7 | €275 | €271 | €133 | ▼ 50.9% |
| Profit (loss) for the period9904 | €226,577 | -€166,459 | -€398,734 | -€167,062 | €2,172 | ▲ 101% |
| Transfer from tax-exempt reserves789 | €18,330 | €17,199 | €17,199 | €64,495 | €11,944 | ▼ 81.5% |
| Transfer to tax-exempt reserves689 | €129,430 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €115,477 | -€149,261 | -€381,535 | -€102,567 | €14,116 | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.6m | €5.5m | €8.2m | €8.4m | €7.8m | ▼ 7.0% |
| Fixed assets21/28 | €4.0m | €4.6m | €6.1m | €6.8m | €6.5m | ▼ 3.7% |
| Tangible fixed assets22/27 | €4.0m | €3.9m | €5.3m | €5.6m | €5.4m | ▼ 4.5% |
| Land and buildings22 | €4.0m | €3.8m | €5.1m | €5.4m | €5.1m | ▼ 5.2% |
| Plant, machinery and equipment23 | €23,084 | €50,314 | €144,628 | €189,904 | €250,579 | ▲ 32.0% |
| Furniture and vehicles24 | €18,309 | €65,995 | €52,585 | €35,583 | €2,915 | ▼ 91.8% |
| Financial fixed assets28 | €9,300 | €719,300 | €739,300 | €1.1m | €1.1m | = |
| Current assets29/58 | €567,626 | €847,280 | €2.1m | €1.6m | €1.3m | ▼ 20.2% |
| Stocks and contracts in progress3 | €246,213 | €12,458 | €935,809 | €242,464 | €376,429 | ▲ 55.3% |
| Stocks30/36 | €246,213 | €12,458 | €935,809 | €242,464 | €376,429 | ▲ 55.3% |
| Amounts receivable within one year40/41 | €319,636 | €821,318 | €1.2m | €1.3m | €792,463 | ▼ 40.7% |
| Trade receivables40 | - | €14,788 | €4,194 | €9,085 | €1,378 | ▼ 84.8% |
| Other amounts receivable41 | €319,636 | €806,530 | €1.2m | €1.3m | €791,085 | ▼ 40.4% |
| Cash at bank and in hand54/58 | €1,777 | €11,793 | €19,905 | €64,455 | €136,534 | ▲ 112% |
| Deferred charges and accrued income490/1 | - | €1,711 | €531 | €0 | €5,662 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.6m | €5.5m | €8.2m | €8.4m | €7.8m | ▼ 7.0% |
| Equity10/15 | €1.1m | €943,992 | €545,258 | €378,196 | €380,368 | ▲ 0.6% |
| Contributions10/11 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Capital10 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Issued capital100 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Reserves13 | €265,054 | €247,855 | €230,656 | €166,162 | €154,218 | ▼ 7.2% |
| Non-distributable reserves130/1 | €11,000 | €11,000 | €11,000 | €11,000 | €11,000 | = |
| Legal reserve130 | €11,000 | €11,000 | €11,000 | €11,000 | €11,000 | = |
| Tax-exempt reserves132 | €254,054 | €236,855 | €219,656 | €155,162 | €143,218 | ▼ 7.7% |
| Profit (loss) carried forward14 | -€216,576 | -€365,837 | -€747,372 | -€849,939 | -€835,823 | ▲ 1.7% |
| Provisions and deferred taxes16 | €661,947 | €1.3m | €1.5m | €1.4m | €1.2m | ▼ 13.7% |
| Provisions for liabilities and charges160/5 | €553,252 | €1.2m | €1.4m | €1.3m | €1.1m | ▼ 14.0% |
| Other liabilities and charges164/5 | €553,252 | €1.2m | €1.4m | €1.3m | €1.1m | ▼ 14.0% |
| Deferred taxes168 | €108,695 | €101,014 | €93,334 | €61,299 | €56,324 | ▼ 8.1% |
| Amounts payable17/49 | €2.8m | €3.2m | €6.2m | €6.6m | €6.2m | ▼ 6.0% |
| Amounts payable after more than one year17 | €2.2m | €2.3m | €4.9m | €5.9m | €5.6m | ▼ 5.3% |
| Financial debts170/4 | €2.2m | €2.3m | €4.9m | €5.9m | €5.6m | ▼ 5.3% |
| Other amounts payable178/9 | €1,500 | €1,500 | €1,500 | €1,580 | €1,500 | ▼ 5.1% |
| Amounts payable within one year42/48 | €604,366 | €870,462 | €1.2m | €730,055 | €648,818 | ▼ 11.1% |
| Current portion of amounts payable after more than one year42 | €98,601 | €85,000 | €61,851 | €20,014 | €20,701 | ▲ 3.4% |
| Financial debts43 | €505,000 | €755,000 | €1.1m | €500,000 | €500,000 | = |
| Credit institutions430/8 | €505,000 | €755,000 | €1.1m | €500,000 | €500,000 | = |
| Trade debts44 | €613 | €30,455 | €13,638 | €9,496 | €27,170 | ▲ 186% |
| Suppliers440/4 | €613 | €30,455 | €13,638 | €9,496 | €27,170 | ▲ 186% |
| Taxes, remuneration and social security45 | €152 | €7 | €1,628 | €545 | €948 | ▲ 73.8% |
| Taxes450/3 | €152 | €7 | €1,628 | €545 | €948 | ▲ 73.8% |
| Other amounts payable47/48 | - | - | - | €200,000 | €100,000 | ▼ 50.0% |
| Accrued charges and deferred income492/3 | €2,785 | €3,249 | €15,396 | €12,381 | €9,275 | ▼ 25.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €226,577 | -€166,459 | -€398,734 | -€167,062 | €2,172 | ▲ 101% |
| + Depreciation and write-downs630 | €191,823 | €212,899 | €287,760 | €227,845 | €278,427 | ▲ 22.2% |
| Operating cash flow (approximation) | €418,400 | €46,440 | -€110,973 | €60,783 | €280,599 | ▲ 362% |
| Investment in fixed assets (approximation) | - | -€799,958 | -€1.7m | -€904,396 | -€27,366 | ▲ 97.0% |
| Change in cash | - | €10,016 | €8,112 | €44,550 | €72,079 | ▲ 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 €2,172
Net result €2,172 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 -€398,734
Net result drops to -€398,734, 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 €226,577
Net result €226,577 after 3 loss-making years.
31-12
Financial
Equity above €1mEq €1.1m ▲25.6%
Equity rises from €883,874 to €1.1m.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Equity above €500,000Eq €883,874 ▲1,987%
Equity rises from €42,342 to €883,874.
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 3,007 companies in sector 55203 we hold annual accounts for 692. 461 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.