JUMI
ActiveSummary
JUMI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €8k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-3
Solvency67▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.29 in 2024; short-term debt: 43.6% and cash: 1% of total assets), and 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
42%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
13 d late
2023
8 d late
2022
25 d late
2021
22 d late
2020
27 d late
← 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
Equity
€234k▼ 31.1%
2024 · €339k
2020: €137k
2021: €252k
2022: €300k
2023: €314k
2024: €339k
2020 → 2025
Total assets
€556k▼ 6.5%
2024 · €594k
2020: €741k
2021: €848k
2022: €783k
2023: €631k
2024: €594k
2020 → 2025
Net result
€8k▼ 67.4%
2024 · €25k
2020: €-23k
2021: €115k
2022: €48k
2023: €14k
2024: €25k
2020 → 2025
Working capital
€-186k▼ 9.2%
2024 · €-170k
2020: €-439k
2021: €88k
2022: €68k
2023: €-55k
2024: €-170k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€252k-€300k▲ 19.2%€314k▲ 4.6%€339k▲ 7.8%€234k▼ 31.1%
Operating result€161k-€68k▼ 57.7%€31k▼ 54.8%€39k▲ 26.4%€11k▼ 70.5%
Net result€115k-€48k▼ 57.9%€14k▼ 71.3%€25k▲ 77.4%€8k▼ 67.4%
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 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €556k
Fixed assets
€499k ▼ 4.8%
Current assets
€56k ▼ 19.7%
Equity and liabilities €556k
Equity
€234k ▼ 31.1%
Debt
€322k ▲ 26.0%
Debt's share of the balance-sheet total rises from 43.0% to 58.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70k▼
2024 · €96k
Cash flow
€67k▼
2024 · €82k
Current ratio
0.23▼
2024 · 0.29
Debt to equity
1.38▲
2024 · 0.75
ROE
3.4%▼
2024 · 7.3%
ROA
1.4%▼
2024 · 4.1%
Interest coverage
154.92▲
2024 · 18.95
Debt ≤ 1 year
€242k▲
2024 · €240k
Debt > 1 year
€80k▲
2024 · €11k
Income taxes
€3k▼
2024 · €9k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€594k€556k▼
Fixed assets21/28€524k€499k▼
Tangible fixed assets22/27€524k€499k▼
Land and buildings22€524k€490k▼
Furniture and vehicles24-€10k
Current assets29/58€70k€56k▼
Amounts receivable within one year40/41€66k€50k▼
Other amounts receivable41€66k€50k▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1-€816
Equity and liabilities
Total equity and liabilities10/49€594k€556k▼
Equity10/15€339k€234k▼
Contributions10/11€21k€21k=
Reserves13€318k€212k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€315k€209k▼
Amounts payable17/49€255k€322k▲
Amounts payable after more than one year17€11k€80k▲
Financial debts170/4€11k-
Other amounts payable178/9-€80k
Amounts payable within one year42/48€240k€242k▲
Current portion of amounts payable after more than one year42€33k€11k▼
Trade debts44€21k€8k▼
Suppliers440/4€21k€8k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€180k€217k▲
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€59k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€100k€75k▼
Operating profit (loss)9901€39k€11k▼
Financial charges65/66B€5k€453▼
Recurring financial charges65€5k€453▼
Profit (loss) for the period before taxes9903€34k€11k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€25k€8k▼
Profit (loss) for the period to be appropriated9905€25k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€8k▼
Transfer from equity791/2-€113k
Transfer to equity691/2€25k€8k▼
To other reserves6921€25k€8k▼
Profit to be distributed694/7-€113k
Return on contributions (dividend)694-€113k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €115k
Net result €115k after one loss-making year.
31-12
Financial
Liquidity times 37current ratio 1.92
Current ratio from 0.05 to 1.92; short-term debt falls from €463k to €96k.
31-12
Financial
Equity above €200kEq €252k ▲83.9%
Equity rises from €137k to €252k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
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, Maldegem · 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.
Schautenstraat 2429990 MaldegemGround area
993 m²
Building footprint
461 m²
Volume, LiDAR
2,550 m³
Parcel 43503F0156/00G000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUMI
since 20202.311.844.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43503F0156/00G000 | Flanders | 993 m² | 1 · 461 m² | 6.8 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.
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,154 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
Founded28-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:brandstoffen.debaere@telenet.be
Phone:050711288