Jumalo
ActiveJumalo has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €756k and a net result of €217k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▲+12
Solvency87▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.92 in 2023; short-term debt: 14.3% and cash: 0.5% of total assets), and 38% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
62%
Return on assets
17.8%
Age of the figures
15 mo
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
2023
1 d early
2022
3 d early
2021
79 d early
2020
72 d early
2019
74 d early
2018
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€756k▲ 25.5%
2023 · €602k
2018: €481k
2019: €499k
2020: €499k
2021: €515k
2022: €564k
2023: €602k
2018 → 2025
Total assets
€1.22M▲ 13.8%
2023 · €1.07M
2018: €883k
2019: €849k
2020: €1.01M
2021: €986k
2022: €1.03M
2023: €1.07M
2018 → 2025
Net result
€217k▲ 154%
2023 · €86k
2018: €46k
2019: €46k
2020: €20k
2021: €24k
2022: €50k
2023: €86k
2018 → 2025
Working capital
€-119k▼ 675%
2023 · €-15k
2018: €-136k
2019: €-100k
2020: €-92k
2021: €-112k
2022: €-60k
2023: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€499k-€515k▲ 3.1%€564k▲ 9.5%€602k▲ 6.8%€756k▲ 25.5%
Operating result€41k-€66k▲ 59.6%€86k▲ 31.1%€138k▲ 60.1%€316k▲ 129%
Net result€20k-€24k▲ 22.4%€50k▲ 109%€86k▲ 69.9%€217k▲ 154%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €316k in 2025, compared with €138k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €1.22M
Fixed assets
€1.16M▲ 28.8%
Current assets
€55k▼ 67.2%
Equity and liabilities €1.22M
Equity
€756k▲ 25.5%
Provisions
€142k▲ 35.0%
Debt
€322k▼ 11.8%
The debt ratio falls from 34.0% to 26.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€432k▲
2023 · €195k
Cash flow
€333k▲
2023 · €143k
Solvency
62.0%▲
2023 · 56.2%
Current ratio
0.32▼
2023 · 0.92
Quick ratio
0.32▼
2023 · 0.92
Debt / equity
0.43▼
2023 · 0.61
ROE
28.8%▲
2023 · 14.2%
ROA
17.8%▲
2023 · 8.0%
Interest coverage
36.39▲
2023 · 25.76
Debt
€322k▼
2023 · €365k
Debt ≤ 1 year
€174k▼
2023 · €183k
Debt > 1 year
€141k▼
2023 · €180k
Income taxes
€51k▲
2023 · €47k
Staff costs
€10k▼
2023 · €34k
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 · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€1.07M€1.22M▲
Fixed assets21/28€904k€1.16M▲
Tangible fixed assets22/27€724k€985k▲
Land and buildings22€703k€949k▲
Plant, machinery and equipment23€79€443▲
Furniture and vehicles24€21k€35k▲
Other tangible fixed assets26€297€71▼
Financial fixed assets28€179k€179k=
Current assets29/58€167k€55k▼
Amounts receivable within one year40/41€154k€46k▼
Trade receivables40€151k€33k▼
Other amounts receivable41€3k€13k▲
Cash at bank and in hand54/58€9k€6k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.22M▲
Equity10/15€602k€756k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€130k€94k▼
Reserves13€422k€614k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€5k€115k▲
Distributable reserves133€417k€499k▲
Profit (loss) carried forward14€31k€29k▼
Provisions and deferred taxes16€105k€142k▲
Provisions for liabilities and charges160/5€105k€105k=
Pensions and similar obligations160€105k€105k=
Major repairs and maintenance162€0-
Deferred taxes168-€37k
Amounts payable17/49€365k€322k▼
Amounts payable after more than one year17€180k€141k▼
Financial debts170/4€179k€141k▼
Other amounts payable178/9€500€500=
Amounts payable within one year42/48€183k€174k▼
Current portion of amounts payable after more than one year42€35k€42k▲
Financial debts43€0€5k▲
Credit institutions430/8€0€5k▲
Trade debts44€26k€2k▼
Suppliers440/4€26k€2k▼
Taxes, remuneration and social security45€67k€27k▼
Taxes450/3€67k€24k▼
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€55k€98k▲
Accrued charges and deferred income492/3€2k€6k▲
Income statement
Code20232025
Non-recurring operating income76A-€312k
Remuneration, social security and pensions62€34k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€116k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k€0▲
Other operating charges640/8€7k€14k▲
Gross operating margin9900€235k€456k▲
Operating profit (loss)9901€138k€316k▲
Financial income75/76B€2k€162▼
Recurring financial income75€2k€162▼
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€133k€305k▲
Transfer from deferred taxes780-€434
Transfer to deferred taxes680-€37k
Income taxes67/77€47k€51k▲
Profit (loss) for the period9904€86k€217k▲
Transfer from tax-exempt reserves789€14k€9k▼
Transfer to tax-exempt reserves689-€111k
Profit (loss) for the period to be appropriated9905€99k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€146k▲
Profit (loss) brought forward from the previous period14P€32k€31k▼
Transfer from equity791/2€46k€33k▼
Transfer to equity691/2€99k€115k▲
To other reserves6921€99k€115k▲
Profit to be distributed694/7€47k€35k▼
Return on contributions (dividend)694€47k€35k▼
Social balance
Average headcount (FTE)90870.80.1▼
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2018net €217k ▲154%
Operating result €316k, net result €217k, both a record.
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €515k ▲3.1%
4 profitable years in a row build equity to €515k.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €20k ▼56.9%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Erpe-Mere · 1 establishment unit since 1999
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.
Honegemstraat 1359420 Erpe-MereGround area
1,858 m²
Building footprint
254 m²
Volume, LiDAR
1,553 m³
Parcel 41016B0539/00B000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Honegemstraat 135, 9420 Erpe-Mere
since 19992.090.220.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016B0539/00B000 | Flanders | 1,858 m² | 1 · 254 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,550 EUR awarded · 1,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,550 EUR | 1,550 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 30,814 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1998
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
70311
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0494821828