Summary
JUMACOL 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 €1.82M and a net result of €400k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 53% of 5547 sector peers (fiscal year 2025). The company has been active since 2007 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 check 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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
44 d early
2022
20 d early
2021
16 d late
2020
39 d early
2019
22 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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.82M▼ 20.5%
2024 · €2.29M
2019: €2.07M
2020: €2.11M▲ +2.0% vs 2019
2021: €2.12M▲ +0.7% vs 2020
2022: €2.19M▲ +3.2% vs 2021
2023: €2.26M▲ +3.2% vs 2022
2024: €2.29M▲ +1.4% vs 2023highest in 7 years
2025: €1.82M▼ -20.5% vs 2024lowest in 7 years
2019 → 2025
Net result
€400k▲ 1,168%
2024 · €32k
2019: €28k
2020: €41k▲ +43.8% vs 2019
2021: €16k▼ -61.8% vs 2020lowest in 7 years
2022: €67k▲ +329% vs 2021
2023: €69k▲ +3.5% vs 2022
2024: €32k▼ -54.6% vs 2023
2025: €400k▲ +1168% vs 2024highest in 7 years
2019 → 2025
Total assets
€3.30M▲ 6.3%
2024 · €3.11M
2019: €2.13Mlowest in 7 years
2020: €2.16M▲ +1.6% vs 2019
2021: €2.69M▲ +24.4% vs 2020
2022: €3.69M▲ +37.0% vs 2021highest in 7 years
2023: €3.23M▼ -12.4% vs 2022
2024: €3.11M▼ -3.7% vs 2023
2025: €3.30M▲ +6.3% vs 2024
2019 → 2025
Solvency
55.1%▼ 18.6pp
2024 · 73.7%
2019: 97.1%
2020: 97.4%▲ +0.3% vs 2019highest in 7 years
2021: 78.9%▼ -19.0% vs 2020
2022: 59.4%▼ -24.7% vs 2021
2023: 70.0%▲ +17.8% vs 2022
2024: 73.7%▲ +5.3% vs 2023
2025: 55.1%▼ -25.2% vs 2024lowest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.12M-€2.19M▲ 3.2%€2.26M▲ 3.2%€2.29M▲ 1.4%€1.82M▼ 20.5%
2021: €2.12M
2022: €2.19M▲ +3.2% vs 2021
2023: €2.26M▲ +3.2% vs 2022
2024: €2.29M▲ +1.4% vs 2023highest in 5 years
2025: €1.82M▼ -20.5% vs 2024lowest in 5 years
Operating result€28k-€-111k€101k€52k▼ 48.6%€123k▲ 138%
2021: €28k
2022: €-111k▼ -501% vs 2021lowest in 5 years
2023: €101k▲ +191% vs 2022
2024: €52k▼ -48.6% vs 2023
2025: €123k▲ +138% vs 2024highest in 5 years
Net result€16k-€67k▲ 329%€69k▲ 3.5%€32k▼ 54.6%€400k▲ 1,168%
2021: €16klowest in 5 years
2022: €67k▲ +329% vs 2021
2023: €69k▲ +3.5% vs 2022
2024: €32k▼ -54.6% vs 2023
2025: €400k▲ +1168% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 138% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.30M
Fixed assets
€2.34M ▼ 16.1%
Current assets
€963k ▲ 202%
Equity and liabilities €3.30M
Equity
€1.82M ▼ 20.5%
Debt
€1.48M ▲ 81.3%
Debt's share of the balance-sheet total rises from 26.3% to 44.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
21.9%▲
2024 · 1.4%
ROA
12.1%▲
2024 · 1.0%
Debt ≤ 1 year
€974k▲
2024 · €182k
Debt > 1 year
€463k▼
2024 · €598k
Income taxes
€69k▲
2024 · €710
Staff costs
€58k▼
2024 · €121k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.11M€3.30M▲
Fixed assets21/28€2.79M€2.34M▼
Tangible fixed assets22/27€1.85M€1.72M▼
Land and buildings22€1.74M€1.65M▼
Furniture and vehicles24€101k€58k▼
Other tangible fixed assets26€16k€14k▼
Financial fixed assets28€937k€625k▼
Current assets29/58€319k€963k▲
Amounts receivable after more than one year29-€330k
Other amounts receivable291-€330k
Amounts receivable within one year40/41€92k€442k▲
Trade receivables40€71k€75k▲
Other amounts receivable41€21k€368k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€8k€170k▲
Deferred charges and accrued income490/1€19k€20k▲
Equity and liabilities
Total equity and liabilities10/49€3.11M€3.30M▲
Equity10/15€2.29M€1.82M▼
Contributions10/11€944k€75k▼
Reserves13€1.35M€1.75M▲
Distributable reserves133€1.35M€1.75M▲
Amounts payable17/49€818k€1.48M▲
Amounts payable after more than one year17€598k€463k▼
Financial debts170/4€598k€463k▼
Amounts payable within one year42/48€182k€974k▲
Current portion of amounts payable after more than one year42€110k€80k▼
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€13k€64k▲
Taxes450/3€5k€56k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€57k€822k▲
Accrued charges and deferred income492/3€38k€46k▲
Income statement
Code20242025
Remuneration, social security and pensions62€121k€58k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€136k€136k=
Other operating charges640/8€17k€17k=
Gross operating margin9900€326k€335k▲
Operating profit (loss)9901€52k€123k▲
Financial income75/76B€402€361k▲
Recurring financial income75€402€233k▲
Non-recurring financial income76B-€128k
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€32k€468k▲
Income taxes67/77€710€69k▲
Profit (loss) for the period9904€32k€400k▲
Profit (loss) for the period to be appropriated9905€32k€400k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€400k▲
Transfer to equity691/2€32k€400k▲
To other reserves6921€32k€400k▲
Social balance
Average headcount (FTE)90871.81.8=
The notes to these accounts (11 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 | - | €29k | - | - | - | - |
| Remuneration, social security and pensions62 | - | €66k | €99k | €121k | €58k | ▼ 51.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30k | €109k | €136k | €136k | €136k | = |
| Other operating charges640/8 | - | €137k | €21k | €17k | €17k | = |
| Gross operating margin9900 | €99k | €201k | €356k | €326k | €335k | ▲ 2.7% |
| Operating profit (loss)9901 | €28k | €-111k | €101k | €52k | €123k | ▲ 138% |
| Financial income75/76B | - | €201k | €1 | €402 | €361k | ▲ 89,595% |
| Recurring financial income75 | €815 | €139k | €1 | €402 | €233k | ▲ 57,862% |
| Non-recurring financial income76B | - | €63k | - | - | €128k | - |
| Financial charges65/66B | - | €22k | €31k | €20k | €16k | ▼ 19.9% |
| Recurring financial charges65 | €6k | €22k | €31k | €20k | €16k | ▼ 19.9% |
| Profit (loss) for the period before taxes9903 | €23k | €68k | €70k | €32k | €468k | ▲ 1,353% |
| Income taxes67/77 | €7k | €853 | €645 | €710 | €69k | ▲ 9,560% |
| Profit (loss) for the period9904 | €16k | €67k | €69k | €32k | €400k | ▲ 1,168% |
| Profit (loss) for the period to be appropriated9905 | €16k | €67k | €69k | €32k | €400k | ▲ 1,168% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.69M | €3.69M | €3.23M | €3.11M | €3.30M | ▲ 6.3% |
| Fixed assets21/28 | €2.59M | €3.06M | €2.93M | €2.79M | €2.34M | ▼ 16.1% |
| Tangible fixed assets22/27 | €1.34M | €2.12M | €1.99M | €1.85M | €1.72M | ▼ 7.3% |
| Land and buildings22 | - | €1.92M | €1.83M | €1.74M | €1.65M | ▼ 5.2% |
| Furniture and vehicles24 | - | €187k | €144k | €101k | €58k | ▼ 42.6% |
| Other tangible fixed assets26 | - | €20k | €18k | €16k | €14k | ▼ 12.3% |
| Financial fixed assets28 | €1.25M | €937k | €937k | €937k | €625k | ▼ 33.3% |
| Current assets29/58 | €99k | €625k | €302k | €319k | €963k | ▲ 202% |
| Amounts receivable after more than one year29 | - | - | - | - | €330k | - |
| Other amounts receivable291 | - | - | - | - | €330k | - |
| Amounts receivable within one year40/41 | €68k | €225k | €212k | €92k | €442k | ▲ 381% |
| Trade receivables40 | - | €86k | €204k | €71k | €75k | ▲ 5.0% |
| Other amounts receivable41 | - | €139k | €8k | €21k | €368k | ▲ 1,666% |
| Current investments50/53 | - | - | - | €200k | - | - |
| Cash at bank and in hand54/58 | €15k | €372k | €65k | €8k | €170k | ▲ 2,109% |
| Deferred charges and accrued income490/1 | - | €28k | €26k | €19k | €20k | ▲ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.69M | €3.69M | €3.23M | €3.11M | €3.30M | ▲ 6.3% |
| Equity10/15 | €2.12M | €2.19M | €2.26M | €2.29M | €1.82M | ▼ 20.5% |
| Contributions10/11 | - | €944k | €944k | €944k | €75k | ▼ 92.1% |
| Reserves13 | €1.18M | €1.25M | €1.32M | €1.35M | €1.75M | ▲ 29.7% |
| Non-distributable reserves130/1 | - | €62k | €62k | - | - | - |
| Reserves not available under the articles1311 | - | €62k | €62k | - | - | - |
| Distributable reserves133 | - | €1.19M | €1.25M | €1.35M | €1.75M | ▲ 29.7% |
| Amounts payable17/49 | €567k | €1.50M | €968k | €818k | €1.48M | ▲ 81.3% |
| Amounts payable after more than one year17 | €495k | €1.01M | €750k | €598k | €463k | ▼ 22.5% |
| Financial debts170/4 | - | €1.01M | €750k | €598k | €463k | ▼ 22.5% |
| Amounts payable within one year42/48 | €73k | €452k | €190k | €182k | €974k | ▲ 435% |
| Current portion of amounts payable after more than one year42 | - | €108k | €109k | €110k | €80k | ▼ 26.8% |
| Financial debts43 | - | €200k | - | - | - | - |
| Credit institutions430/8 | - | €200k | - | - | - | - |
| Trade debts44 | €8k | €11k | €6k | €2k | €7k | ▲ 309% |
| Suppliers440/4 | - | €11k | €6k | €2k | €7k | ▲ 309% |
| Taxes, remuneration and social security45 | - | €18k | €8k | €13k | €64k | ▲ 386% |
| Taxes450/3 | - | €6k | €1k | €5k | €56k | ▲ 1,126% |
| Remuneration and social security454/9 | - | €12k | €6k | €8k | €7k | ▼ 15.2% |
| Other amounts payable47/48 | - | €115k | €67k | €57k | €822k | ▲ 1,339% |
| Accrued charges and deferred income492/3 | - | €36k | €29k | €38k | €46k | ▲ 20.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €67k | €69k | €32k | €400k | ▲ 1,168% |
| + Depreciation and write-downs630 | €30k | €109k | €136k | €136k | €136k | = |
| Operating cash flow (approximation) | €45k | €176k | €205k | €167k | €535k | ▲ 220% |
| Investment in fixed assets (approximation) | - | €-579k | €0 | €0 | €312k | - |
| Change in cash | - | €357k | €-307k | €-57k | €162k | ▲ 385% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €400k ▲1,168%
Operating result €123k, net result €400k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-06
Financial
Weakest financial yearnet €16k ▼61.8%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial 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, Heusden-Zolder · 1 establishment unit since 2007
Ground area
843 m²
Parcel 71462C0073/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jumacol
since 20072.159.329.866
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462C0073/00D000 | Flanders | 843 m² | - | - |
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 24,727 companies in sector 64210 we hold annual accounts for 19,768. 11,194 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
Founded16-01-2007
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68121Development of residential building projects
46190Agents in non-specialised wholesale trade
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.