Jumelle
ActiveJumelle 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 1994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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 advice for your own amount and term
Signals
Seven 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
Sector 71
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1994 sector peers (2025).
NBB · sector comparisonPosition among 1994 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 →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▼ 26.3%
2024 · €157k
2018: €-114
2019: €4k
2020: €34k
2021: €101k
2022: €99k
2023: €132k
2024: €157k
2018 → 2025
Total assets
€804k▲ 6.0%
2024 · €758k
2018: €82k
2019: €141k
2020: €333k
2021: €734k
2022: €661k
2023: €725k
2024: €758k
2018 → 2025
Net result
€-41k
2024 · €26k
2018: €1k
2019: €4k
2020: €78k
2021: €67k
2022: €-2k
2023: €32k
2024: €26k
2018 → 2025
Working capital
€60k▼ 57.3%
2024 · €141k
2018: €-21k
2019: €-30k
2020: €10k
2021: €38k
2022: €43k
2023: €82k
2024: €141k
2018 → 2025
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%
Operating result€102k-€12k▼ 88.1%€59k▲ 384%€51k▼ 13.1%€-32k
Net result€67k-€-2k€32k€26k▼ 20.2%€-41k
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%
The debt ratio 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
Solvency
14.4%▼
2024 · 20.7%
Current ratio
1.28▼
2024 · 1.64
Quick ratio
0.53▼
2024 · 0.80
Debt / 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
€688k▲
2024 · €601k
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 / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
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.
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 ▼261%
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 ▲1684%
Net result €78k, the highest in the series.
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.
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
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.
Zandstraat(HRT) 82200 HerentalsGround 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
Methodology
via registered seat: 1 · via establishment units: 1
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 3,918 companies in sector 71112 we hold annual accounts for 1,295. 1,046 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2012
Fiscal year end31-12
Activities, NACEBEL
47530Retail trade
71112Activities of interior architects
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.