Summary
Jumelo 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 €19k and a net result of €65k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 8023 sector peers (fiscal year 2025). The company has been active since 2020 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 25%
← 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 10-06-2026, 51 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
51 d early
2024
51 d early
2023
127 d early
2022
39 d early
2021
47 d early
2020
51 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€19k▼ 60.9%
2024 · €50k
2020: €21k
2021: €162k
2022: €228k
2023: €19k
2024: €50k
2020 → 2025
Net result
€65k▼ 5.6%
2024 · €69k
2020: €20k
2021: €140k
2022: €66k
2023: €62k
2024: €69k
2020 → 2025
Total assets
€94k▲ 1.7%
2024 · €93k
2020: €35k
2021: €173k
2022: €232k
2023: €80k
2024: €93k
2020 → 2025
Solvency
20.6%▼ 33.0pp
2024 · 53.6%
2020: 60.5%
2021: 93.6%
2022: 98.3%
2023: 24.3%
2024: 53.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€228k▲ 40.8%€19k▼ 91.5%€50k▲ 155%€19k▼ 60.9%
Operating result€183k-€83k▼ 54.4%€80k▼ 4.4%€90k▲ 13.4%€86k▼ 4.5%
Net result€140k-€66k▼ 53.0%€62k▼ 6.4%€69k▲ 11.1%€65k▼ 5.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€9k ▼ 32.8%
Current assets
€85k ▲ 7.4%
Equity and liabilities €94k
Equity
€19k ▼ 60.9%
Debt
€75k ▲ 73.9%
Debt's share of the balance-sheet total rises from 46.4% to 79.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
334.1%▲
2024 · 138.4%
ROA
68.9%▼
2024 · 74.2%
Debt ≤ 1 year
€75k▲
2024 · €43k
Income taxes
€18k▼
2024 · €19k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€93k€94k▲
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€10k€7k▼
Current assets29/58€79k€85k▲
Amounts receivable within one year40/41€19k€20k▲
Trade receivables40€18k€18k▲
Other amounts receivable41€222€1k▲
Cash at bank and in hand54/58€60k€65k▲
Deferred charges and accrued income490/1€389€511▲
Equity and liabilities
Total equity and liabilities10/49€93k€94k▲
Equity10/15€50k€19k▼
Contributions10/11€1k€1k=
Reserves13€49k€18k▼
Distributable reserves133€49k€18k▼
Amounts payable17/49€43k€75k▲
Amounts payable within one year42/48€43k€75k▲
Trade debts44€1k€980▼
Suppliers440/4€1k€980▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€39k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€513€528▲
Gross operating margin9900€95k€91k▼
Operating profit (loss)9901€90k€86k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€87k€83k▼
Income taxes67/77€19k€18k▼
Profit (loss) for the period9904€69k€65k▼
Profit (loss) for the period to be appropriated9905€69k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€65k▼
Transfer from equity791/2-€45k
Transfer to equity691/2€30k€15k▼
To other reserves6921€30k€15k▼
Profit to be distributed694/7€39k€95k▲
Return on contributions (dividend)694€39k€95k▲
The notes to these accounts (4 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 58.88
Current ratio from 15.70 to 58.88; short-term debt falls from €11k to €4k.
31-12
Financial
Equity above €200kEq €228k ▲40.8%
3 profitable years in a row build equity to €228k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €140k ▲594%
Operating result €183k, net result €140k, both a record.
31-12
Financial
Liquidity times 6current ratio 15.70
Current ratio from 2.53 to 15.70; short-term debt falls from €14k to €11k.
31-12
Financial
Equity above €150kEq €162k ▲662%
2 profitable years in a row build equity to €162k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Damme · 1 establishment unit since 2020
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.
Halvemaanstraat 38340 DammeGround area
578 m²
Building footprint
117 m²
Volume, LiDAR
691 m³
Parcel 31019A0485/00C005, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jumelo
since 20202.305.109.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019A0485/00C005 | Flanders | 578 m² | 1 · 117 m² | 9.4 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
2022 · 1 entry · 864 EUR awarded · 864 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 864 EUR | 864 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,333 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.