Jumelle
ActiveSummary
Jumelle has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €-41k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 2015 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability12▼-61
Solvency39▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.64 in 2024; short-term debt: 26.5% and cash: 3.4% of total assets), and 85.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2015 sector peers (2025).
NBB · sector comparisonPosition among 2015 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d early
2023
14 d early
2022
31 d late
2021
30 d late
2020
1 d early
2019
1 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▼ 26.3%
2024 · €157k
2018: €-114lowest in 8 years
2019: €4k▲ +3840% vs 2018
2020: €34k▲ +710% vs 2019
2021: €101k▲ +194% vs 2020
2022: €99k▼ -1.7% vs 2021
2023: €132k▲ +32.4% vs 2022
2024: €157k▲ +19.5% vs 2023highest in 8 years
2025: €116k▼ -26.3% vs 2024
2018 → 2025
Total assets
€804k▲ 6.0%
2024 · €758k
2018: €82klowest in 8 years
2019: €141k▲ +73.1% vs 2018
2020: €333k▲ +136% vs 2019
2021: €734k▲ +120% vs 2020
2022: €661k▼ -10.0% vs 2021
2023: €725k▲ +9.7% vs 2022
2024: €758k▲ +4.7% vs 2023
2025: €804k▲ +6.0% vs 2024highest in 8 years
2018 → 2025
Net result
€-41k
2024 · €26k
2018: €1k
2019: €4k▲ +258% vs 2018
2020: €78k▲ +1684% vs 2019highest in 8 years
2021: €67k▼ -14.2% vs 2020
2022: €-2k▼ -103% vs 2021
2023: €32k▲ +1963% vs 2022
2024: €26k▼ -20.2% vs 2023
2025: €-41k▼ -261% vs 2024lowest in 8 years
2018 → 2025
Working capital
€60k▼ 57.3%
2024 · €141k
2018: €-21k
2019: €-30k▼ -45.4% vs 2018lowest in 8 years
2020: €10k▲ +131% vs 2019
2021: €38k▲ +301% vs 2020
2022: €43k▲ +13.7% vs 2021
2023: €82k▲ +89.7% vs 2022
2024: €141k▲ +72.1% vs 2023highest in 8 years
2025: €60k▼ -57.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€99k▼ 1.7%€132k▲ 32.4%€157k▲ 19.5%€116k▼ 26.3%
2021: €101k
2022: €99k▼ -1.7% vs 2021lowest in 5 years
2023: €132k▲ +32.4% vs 2022
2024: €157k▲ +19.5% vs 2023highest in 5 years
2025: €116k▼ -26.3% vs 2024
Operating result€102k-€12k▼ 88.1%€59k▲ 384%€51k▼ 13.1%€-32k
2021: €102khighest in 5 years
2022: €12k▼ -88.1% vs 2021
2023: €59k▲ +384% vs 2022
2024: €51k▼ -13.1% vs 2023
2025: €-32k▼ -164% vs 2024lowest in 5 years
Net result€67k-€-2k€32k€26k▼ 20.2%€-41k
2021: €67khighest in 5 years
2022: €-2k▼ -103% vs 2021
2023: €32k▲ +1963% vs 2022
2024: €26k▼ -20.2% vs 2023
2025: €-41k▼ -261% vs 2024lowest 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 turns negative in 2025: a loss of €32k after €51k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804k
Fixed assets
€530k ▲ 34.4%
Current assets
€274k ▼ 24.7%
Equity and liabilities €804k
Equity
€116k ▼ 26.3%
Debt
€688k ▲ 14.5%
Debt's share of the balance-sheet total rises from 79.3% to 85.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▼
2024 · €79k
Cash flow
€-11k▼
2024 · €54k
Current ratio
1.28▼
2024 · 1.64
Quick ratio
0.53▼
2024 · 0.80
Debt to equity
5.94▲
2024 · 3.82
ROE
-35.7%▼
2024 · 16.3%
ROA
-5.1%▼
2024 · 3.4%
Interest coverage
-0.14▼
2024 · 9.06
Debt ≤ 1 year
€213k▼
2024 · €222k
Debt > 1 year
€475k▲
2024 · €379k
Income taxes
€701▼
2024 · €17k
Staff costs
€50k▲
2024 · €24k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€758k€804k▲
Fixed assets21/28€395k€530k▲
Tangible fixed assets22/27€391k€530k▲
Land and buildings22€377k€350k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€2k€171k▲
Financial fixed assets28€4k-
Current assets29/58€364k€274k▼
Stocks and contracts in progress3€186k€161k▼
Stocks30/36€186k€161k▼
Amounts receivable within one year40/41€100k€66k▼
Trade receivables40€86k€34k▼
Other amounts receivable41€13k€32k▲
Current investments50/53€50k-
Cash at bank and in hand54/58€28k€27k▼
Deferred charges and accrued income490/1€612€19k▲
Equity and liabilities
Total equity and liabilities10/49€758k€804k▲
Equity10/15€157k€116k▼
Contributions10/11€19k€19k=
Reserves13€129k€129k=
Distributable reserves133€129k€129k=
Profit (loss) carried forward14€9k€-32k▼
Amounts payable17/49€601k€688k▲
Amounts payable after more than one year17€379k€475k▲
Financial debts170/4€379k€475k▲
Amounts payable within one year42/48€222k€213k▼
Current portion of amounts payable after more than one year42€32k€60k▲
Financial debts43€32k€25k▼
Credit institutions430/8-€25k
Other loans439€32k-
Trade debts44€100k€71k▼
Suppliers440/4€100k€71k▼
Taxes, remuneration and social security45€28k€22k▼
Taxes450/3€26k€18k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€32k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€50k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€31k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€105k€54k▼
Operating profit (loss)9901€51k€-32k▼
Financial income75/76B€119€4k▲
Recurring financial income75€119€4k▲
Financial charges65/66B€9k€13k▲
Recurring financial charges65€9k€13k▲
Profit (loss) for the period before taxes9903€42k€-41k▼
Income taxes67/77€17k€701▼
Profit (loss) for the period9904€26k€-41k▼
Profit (loss) for the period to be appropriated9905€26k€-41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-32k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer to equity691/2€26k-
To other reserves6921€26k-
Social balance
Average headcount (FTE)90870.71.3▲
The notes to these accounts (15 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €24k | €50k | ▲ 113% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €26k | €26k | €29k | €31k | ▲ 7.1% |
| Other operating charges640/8 | €3k | €5k | €4k | €2k | €6k | ▲ 216% |
| Gross operating margin9900 | €133k | €44k | €88k | €105k | €54k | ▼ 48.4% |
| Operating profit (loss)9901 | €102k | €12k | €59k | €51k | €-32k | ▼ 164% |
| Financial income75/76B | €29 | €96 | €4 | €119 | €4k | ▲ 3,558% |
| Recurring financial income75 | €29 | €96 | €4 | €119 | €4k | ▲ 3,558% |
| Financial charges65/66B | €7k | €8k | €6k | €9k | €13k | ▲ 44.4% |
| Recurring financial charges65 | €7k | €8k | €6k | €9k | €13k | ▲ 44.4% |
| Profit (loss) for the period before taxes9903 | €95k | €4k | €52k | €42k | €-41k | ▼ 196% |
| Income taxes67/77 | €29k | €6k | €20k | €17k | €701 | ▼ 95.8% |
| Profit (loss) for the period9904 | €67k | €-2k | €32k | €26k | €-41k | ▼ 261% |
| Profit (loss) for the period to be appropriated9905 | €67k | €-2k | €32k | €26k | €-41k | ▼ 261% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €734k | €661k | €725k | €758k | €804k | ▲ 6.0% |
| Fixed assets21/28 | €456k | €429k | €403k | €395k | €530k | ▲ 34.4% |
| Tangible fixed assets22/27 | €456k | €429k | €403k | €391k | €530k | ▲ 35.7% |
| Land and buildings22 | €456k | €429k | €403k | €377k | €350k | ▼ 7.0% |
| Plant, machinery and equipment23 | - | - | - | €12k | €9k | ▼ 29.2% |
| Furniture and vehicles24 | - | - | - | €2k | €171k | ▲ 9,122% |
| Financial fixed assets28 | - | - | - | €4k | - | - |
| Current assets29/58 | €279k | €232k | €322k | €364k | €274k | ▼ 24.7% |
| Stocks and contracts in progress3 | €81k | €167k | €166k | €186k | €161k | ▼ 13.1% |
| Stocks30/36 | €81k | €167k | €166k | €186k | €161k | ▼ 13.1% |
| Amounts receivable within one year40/41 | €40k | €45k | €62k | €100k | €66k | ▼ 33.9% |
| Trade receivables40 | €35k | €13k | €51k | €86k | €34k | ▼ 60.1% |
| Other amounts receivable41 | €6k | €32k | €12k | €13k | €32k | ▲ 135% |
| Current investments50/53 | - | - | - | €50k | - | - |
| Cash at bank and in hand54/58 | €158k | €19k | €93k | €28k | €27k | ▼ 0.8% |
| Deferred charges and accrued income490/1 | - | - | - | €612 | €19k | ▲ 3,000% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €734k | €661k | €725k | €758k | €804k | ▲ 6.0% |
| Equity10/15 | €101k | €99k | €132k | €157k | €116k | ▼ 26.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €71k | €71k | €104k | €129k | €129k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | €70k | €70k | €102k | €129k | €129k | = |
| Profit (loss) carried forward14 | €11k | €9k | €9k | €9k | €-32k | ▼ 444% |
| Amounts payable17/49 | €633k | €561k | €593k | €601k | €688k | ▲ 14.5% |
| Amounts payable after more than one year17 | €392k | €373k | €353k | €379k | €475k | ▲ 25.4% |
| Financial debts170/4 | €392k | €373k | €353k | €379k | €475k | ▲ 25.4% |
| Amounts payable within one year42/48 | €241k | €188k | €240k | €222k | €213k | ▼ 4.0% |
| Current portion of amounts payable after more than one year42 | €18k | €19k | €20k | €32k | €60k | ▲ 89.7% |
| Financial debts43 | - | - | €37k | €32k | €25k | ▼ 21.6% |
| Credit institutions430/8 | - | - | - | - | €25k | - |
| Other loans439 | - | - | €37k | €32k | - | - |
| Trade debts44 | €105k | €59k | €95k | €100k | €71k | ▼ 28.8% |
| Suppliers440/4 | €105k | €59k | €95k | €100k | €71k | ▼ 28.8% |
| Taxes, remuneration and social security45 | €53k | €22k | €57k | €28k | €22k | ▼ 19.4% |
| Taxes450/3 | €53k | €22k | €57k | €26k | €18k | ▼ 29.2% |
| Remuneration and social security454/9 | - | - | - | €2k | €4k | ▲ 110% |
| Other amounts payable47/48 | €66k | €87k | €31k | €32k | €35k | ▲ 11.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67k | €-2k | €32k | €26k | €-41k | ▼ 261% |
| + Depreciation and write-downs630 | €28k | €26k | €26k | €29k | €31k | ▲ 7.1% |
| Operating cash flow (approximation) | €95k | €25k | €58k | €54k | €-11k | ▼ 120% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-20k | €-166k | ▼ 721% |
| Change in cash | - | €-139k | €75k | €-66k | €-216 | ▲ 99.7% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €157k ▲19.5%
2 profitable years in a row build equity to €157k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €100kEq €132k ▲32.4%
Equity rises from €99k to €132k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲194%
4 profitable years in a row build equity to €101k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €78k ▲1,684%
Net result €78k, the highest in the series.
Show earlier events
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Herentals · 2 establishment units since 2012
Ground area
810 m²
Building footprint
631 m²
Volume, LiDAR
4,248 m³
2 parcels, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Jumelle Bvba
since 20122.209.877.655
Jumelle
since 20242.360.787.384
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046A0215/02Z009 | Flanders | 522 m² | 1 · 343 m² | 10.1 m · 1 fl. |
| 13011F0245/00H000 | Flanders | 288 m² | 1 · 288 m² | 13.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2024 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,047 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
Founded16-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47530Retail trade
71112Activities of interior architects
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.