JUMAFIN

Active

Private limited companyfounded 201610 yrs activeLariksdreef 7, 8020 Oostkamp, BelgiumKBO/BCE: BE 0650.808.731

JUMAFIN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €34k and a net result of €1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 54% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2024

72 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability71▼-29

Solvency70▼-30

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 1.79 against 4.64 in 2023; short-term debt: 54.9% and cash: 41.8% of total assets), but 54.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

45.1%

Return on assets

1.9%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-07-2025, 12 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

not confirmed

2024

12 d early

2023

11 d early

2022

51 d early

2021

40 d early

2020

26 d early

2019

38 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€34k▼ 51.5%

2023 · €70k

2018: €23k 2019: €59k 2020: €116k 2021: €56k 2022: €31k 2023: €70k

2018 → 2024

Total assets

€75k▼ 14.9%

2023 · €88k

2018: €36k 2019: €74k 2020: €169k 2021: €123k 2022: €112k 2023: €88k

2018 → 2024

Net result

€1k▼ 97.1%

2023 · €49k

2018: €18k 2019: €36k 2020: €86k 2021: €37k 2022: €58k 2023: €49k

2018 → 2024

Working capital

€32k▼ 51.5%

2023 · €67k

2018: €22k 2019: €25k 2020: €30k 2021: €-24k 2022: €-36k 2023: €67k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€116k-€56k▼ 51.7%€31k▼ 44.0%€70k▲ 123%€34k▼ 51.5%

Operating result€113k-€52k▼ 53.5%€78k▲ 48.2%€73k▼ 6.1%€1k▼ 98.1%

Net result€86k-€37k▼ 57.0%€58k▲ 56.9%€49k▼ 15.9%€1k▼ 97.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 98% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €75k

98.5%

Fixed assets €1k▼ 56.3%

Current assets €74k▼ 13.5%

Equity and liabilities €75k

45.1%

54.9%

Equity €34k▼ 51.5%

Debt €41k▲ 125%

The debt ratio rises from 20.8% to 54.9%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€3k▼

2023 · €75k

Cash flow

€3k▼

2023 · €50k

Solvency

45.1%▼

2023 · 79.2%

Current ratio

1.79▼

2023 · 4.64

Quick ratio

1.79▼

2023 · 4.64

Debt / equity

1.21▲

2023 · 0.26

ROE

4.2%▼

2023 · 69.4%

ROA

1.9%▼

2023 · 55.0%

Interest coverage

19.85▼

2023 · 103.69

Debt

€41k▲

2023 · €18k

Debt ≤ 1 year

€41k▲

2023 · €18k

Income taxes

€69▼

2023 · €24k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€88k€75k▼

Formation expenses20€539€359▼

Fixed assets21/28€3k€1k▼

Tangible fixed assets22/27€3k€1k▼

Furniture and vehicles24€3k€1k▼

Current assets29/58€85k€74k▼

Amounts receivable within one year40/41€33k€37k▲

Trade receivables40€32k-

Other amounts receivable41€2k€37k▲

Cash at bank and in hand54/58€51k€31k▼

Deferred charges and accrued income490/1€702€6k▲

Equity and liabilities

Total equity and liabilities10/49€88k€75k▼

Equity10/15€70k€34k▼

Contributions10/11€19k€19k=

Reserves13€1k€1k=

Non-distributable reserves130/1€1k€1k=

Reserves not available under the articles1311€1k€1k=

Profit (loss) carried forward14€50k€14k▼

Amounts payable17/49€18k€41k▲

Amounts payable within one year42/48€18k€41k▲

Trade debts44€600€181▼

Suppliers440/4€600€181▼

Taxes, remuneration and social security45€3k€9k▲

Taxes450/3€3k€9k▲

Other amounts payable47/48€14k€32k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=

Other operating charges640/8€2k€577▼

Non-recurring operating charges66A€2k-

Gross operating margin9900€79k€4k▼

Operating profit (loss)9901€73k€1k▼

Financial income75/76B€65€230▲

Recurring financial income75€65€230▲

Financial charges65/66B€720€155▼

Recurring financial charges65€720€155▼

Profit (loss) for the period before taxes9903€72k€1k▼

Income taxes67/77€24k€69▼

Profit (loss) for the period9904€49k€1k▼

Profit (loss) for the period to be appropriated9905€49k€1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€50k€52k▲

Profit (loss) brought forward from the previous period14P€1k€50k▲

Transfer from equity791/2€10k-

Profit to be distributed694/7€10k€38k▲

Return on contributions (dividend)694€10k€38k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 4Filings 8

2025

19-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €1k ▼97.1%

Net result drops to €1k, the lowest in the series.

20-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity times 8current ratio 4.64

Current ratio from 0.56 to 4.64; short-term debt falls from €80k to €18k.

10-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

21-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

05-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Highest result since 2018net €86k ▲138%

Operating result €113k, net result €86k, both a record.

31-12

Financial Equity above €100kEq €116k ▲96.2%

3 profitable years in a row build equity to €116k.

23-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

17-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

05-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Oostkamp · 1 establishment unit since 2016

establishment The establishment unit on the map

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.

Lariksdreef 78020 Oostkamp

Ground area

5,132 m²

Building footprint

237 m²

Volume, LiDAR

1,009 m³

Parcel 31037B0068/00X000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Lariksdreef 7, 8020 Oostkamp

Agents specialised in the wholesale of other particular products

since 20162.252.077.506

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31037B0068/00X000	Flanders	5,132 m²	1 · 237 m²	7.2 m · 1 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 2,550 EUR awarded · 2,550 EUR paid

Year	Entries	awarded	paid
2022	1	2,550 EUR	2,550 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 2,550 EUR · 2,550 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

ADLogistique

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Menen · Eq €34k

GLOBAL RESTYLING SERVICES

Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,300 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-03-2016

Fiscal year end31-12

Activities, NACEBEL

46180Agents specialised in the wholesale of other particular products

Sources

Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.