JUMANA 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 €421k and a net result of €153k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 5511 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €421k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
31 d early
2022
3 d early
2021
30 d early
2020
23 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€421k▲ 53.8%
2024 · €274k
2018: €488k
2019: €406k
2020: €466k
2021: €375k
2022: €376k
2023: €320k
2024: €274k
2018 → 2025
Net result
€153k▲ 227%
2024 · €47k
2018: €56k
2019: €23k
2020: €60k
2021: €-5k
2022: €26k
2023: €1k
2024: €47k
2018 → 2025
Total assets
€866k▲ 122%
2024 · €390k
2018: €689k
2019: €595k
2020: €637k
2021: €529k
2022: €511k
2023: €439k
2024: €390k
2018 → 2025
Solvency
48.6%▼ 21.7pp
2024 · 70.3%
2018: 70.9%
2019: 68.2%
2020: 73.1%
2021: 70.9%
2022: 73.5%
2023: 72.9%
2024: 70.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€375k-€376k▲ 0.2%€320k▼ 14.9%€274k▼ 14.4%€421k▲ 53.8%
Operating result€-423-€5k€7k▲ 51.7%€-19k€168k
Net result€-5k-€26k€1k▼ 95.7%€47k▲ 4,092%€153k▲ 227%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €168k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €866k
Fixed assets
€753k▲ 110%
Current assets
€113k▲ 258%
Equity and liabilities €866k
Equity
€421k▲ 53.8%
Provisions
€38k
Debt
€407k▲ 252%
The debt ratio rises from 29.7% to 47.0%. Equity and debt are higher.
Key figures and ratios
Solvency
48.6%▼
2024 · 70.3%
ROE
36.4%▲
2024 · 17.1%
ROA
17.7%▲
2024 · 12.0%
Debt
€407k▲
2024 · €116k
Debt ≤ 1 year
€49k▲
2024 · €42k
Debt > 1 year
€358k▲
2024 · €73k
Income taxes
€467▼
2024 · €5k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€390k€866k▲
Fixed assets21/28€358k€753k▲
Tangible fixed assets22/27€255k€650k▲
Land and buildings22€247k€632k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24-€11k
Financial fixed assets28€103k€103k=
Current assets29/58€31k€113k▲
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€2k€5k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€25k€79k▲
Deferred charges and accrued income490/1€4k€26k▲
Equity and liabilities
Total equity and liabilities10/49€390k€866k▲
Equity10/15€274k€421k▲
Contributions10/11€19k€19k=
Reserves13€255k€402k▲
Tax-exempt reserves132-€152k
Distributable reserves133€255k€250k▼
Provisions and deferred taxes16-€38k
Deferred taxes168-€38k
Amounts payable17/49€116k€407k▲
Amounts payable after more than one year17€73k€358k▲
Financial debts170/4€73k€358k▲
Amounts payable within one year42/48€42k€49k▲
Current portion of amounts payable after more than one year42€17k€33k▲
Trade debts44€873€3k▲
Suppliers440/4€873€3k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€8k▲
Other amounts payable47/48€17k€2k▼
Accrued charges and deferred income492/3€403€430▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€44k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€21k€218k▲
Operating profit (loss)9901€-19k€168k▲
Financial income75/76B€75k€31k▼
Recurring financial income75€75k€31k▼
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€52k€192k▲
Transfer from deferred taxes780-€203
Transfer to deferred taxes680-€38k
Income taxes67/77€5k€467▼
Profit (loss) for the period9904€47k€153k▲
Transfer from tax-exempt reserves789-€812
Transfer to tax-exempt reserves689-€153k
Profit (loss) for the period to be appropriated9905€47k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€1k▼
Transfer from equity791/2€93k€6k▼
Transfer to equity691/2€47k€1k▼
To other reserves6921€47k€1k▼
Profit to be distributed694/7€93k€6k▼
Return on contributions (dividend)694€93k€6k▼
The notes to these accounts (17 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
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €153k ▲227%
Operating result €168k, net result €153k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.75 to 2.32.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Weakest financial yearnet €-5k ▼109%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-04
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.
Directors · office · real estate
Directors
6 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, Brugge · 1 establishment unit since 2007
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.
Lorreinendreef 278310 BruggeGround area
492 m²
Building footprint
167 m²
Volume, LiDAR
625 m³
Parcel 31002A0397/00X002, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jumana bvba
since 20072.163.217.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31002A0397/00X002 | Flanders | 492 m² | 1 · 167 m² | 4.5 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2007
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.