Summary
JUMA-CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €96k and a net result of €23k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 8023 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
44 d early
2024
3 d early
2023
44 d early
2022
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 32.2%
2024 · €73k
2022: €43k
2023: €56k
2024: €73k
2022 → 2025
Net result
€23k▲ 37.1%
2024 · €17k
2022: €28k
2023: €12k
2024: €17k
2022 → 2025
Total assets
€165k▲ 56.6%
2024 · €105k
2022: €154k
2023: €97k
2024: €105k
2022 → 2025
Solvency
58.2%▼ 10.7pp
2024 · 68.9%
2022: 28.0%
2023: 57.5%
2024: 68.9%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€43k-€56k▲ 28.8%€73k▲ 30.7%€96k▲ 32.2%
Operating result€39k-€18k▼ 54.0%€24k▲ 32.5%€45k▲ 90.7%
Net result€28k-€12k▼ 55.9%€17k▲ 37.3%€23k▲ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
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 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€105k ▲ 165%
Current assets
€60k ▼ 9.0%
Equity and liabilities €165k
Equity
€96k ▲ 32.2%
Debt
€69k ▲ 111%
Debt's share of the balance-sheet total rises from 31.1% to 41.8%. Equity and debt are higher.
Key figures and ratios
ROE
24.3%▲
2024 · 23.5%
ROA
14.2%▼
2024 · 16.2%
Debt ≤ 1 year
€11k▼
2024 · €16k
Debt > 1 year
€58k▲
2024 · €16k
Income taxes
€20k▲
2024 · €7k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€165k▲
Fixed assets21/28€40k€105k▲
Tangible fixed assets22/27€40k€105k▲
Furniture and vehicles24€40k€105k▲
Current assets29/58€66k€60k▼
Amounts receivable within one year40/41€19k€8k▼
Trade receivables40€14k-
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€47k€50k▲
Deferred charges and accrued income490/1€87€2k▲
Equity and liabilities
Total equity and liabilities10/49€105k€165k▲
Equity10/15€73k€96k▲
Contributions10/11€15k€15k=
Reserves13€58k€81k▲
Distributable reserves133€58k€81k▲
Amounts payable17/49€33k€69k▲
Amounts payable after more than one year17€16k€58k▲
Financial debts170/4€16k€58k▲
Amounts payable within one year42/48€16k€11k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€955€418▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€728€93▼
Gross operating margin9900€37k€60k▲
Operating profit (loss)9901€24k€45k▲
Financial income75/76B€40€10▼
Recurring financial income75€40€10▼
Financial charges65/66B€81€1k▲
Recurring financial charges65€81€1k▲
Profit (loss) for the period before taxes9903€24k€44k▲
Income taxes67/77€7k€20k▲
Profit (loss) for the period9904€17k€23k▲
Profit (loss) for the period to be appropriated9905€17k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€23k▲
Transfer to equity691/2€17k€23k▲
To other reserves6921€17k€23k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €12k ▼55.9%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 2.73
Current ratio from 1.36 to 2.73; short-term debt falls from €69k to €17k.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lommel · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Snepstraat 233920 LommelGround area
951 m²
Building footprint
217 m²
Volume, LiDAR
1,132 m³
Parcel 72020C1143/00P000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUMA-CONSULTING
since 20212.318.578.825
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1143/00P000 | Flanders | 951 m² | 1 · 217 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLommel2.318.578.825
Similar companies · same sector, comparable size
KBxMC
BE 0543.965.904
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HAPOC
BE 0672.930.966
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Zorro
BE 0666.906.375
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LRP CONSULT
BE 0654.936.377
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Sophiro
BE 0805.612.318
Schilde · Eq €95,922
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,225 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2021
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
46341Wholesale of wines and spirits
46480Wholesale trade
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.