JUMIC
ActiveSummary
The computed 12-month bankruptcy probability of JUMIC is 1.7% (moderate). The annual accounts of JUMIC for fiscal year 2025 show a net loss of 68% of total assets. The 2025 annual accounts show equity of €57,490 and a net result of -€51,337. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 13617 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
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-80
Solvency100▲+11
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.14 against 1.92 in 2024; short-term debt: 23.4% and cash: 43.2% of total assets), and 24% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76%
Return on assets
-67.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
on the day
2022
on the day
2021
3 d early
2020
2 d early
2019
64 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€57,490▼ 47.2%
2024 · €108,827
Total assets
€75,674▼ 55.8%
2024 · €171,313
Net result
-€51,337
2024 · €15,557
Working capital
€20,102▼ 65.1%
2024 · €57,666
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,384€13,751€6,759▼ 50.8%€20,027▲ 196%-€50,812
Net result-€7,732below the sector's middle half€13,412within the sector's middle half€5,652within the sector's middle half▼ 57.9%€15,557within the sector's middle half▲ 175%-€51,337below the sector's middle half
Equity€102,826above the sector's middle half▼ 7.0%€116,238above the sector's middle half▲ 13.0%€93,270above the sector's middle half▼ 19.8%€108,827above the sector's middle half▲ 16.7%€57,490within the sector's middle half▼ 47.2%
Total assets€120,775within the sector's middle half▼ 18.2%€151,393within the sector's middle half▲ 25.4%€142,201within the sector's middle half▼ 6.1%€171,313within the sector's middle half▲ 20.5%€75,674within the sector's middle half▼ 55.8%
Debt€17,949▼ 51.7%€35,155▲ 95.9%€48,931▲ 39.2%€62,486▲ 27.7%€18,185▼ 70.9%
Working capital€86,569above the sector's middle half▼ 4.6%€102,767above the sector's middle half▲ 18.7%€80,742above the sector's middle half▼ 21.4%€57,666above the sector's middle half▼ 28.6%€20,102within the sector's middle half▼ 65.1%
Solvency85.1%above the sector's middle half▲ 10.3pp76.8%above the sector's middle half▼ 8.4pp65.6%above the sector's middle half▼ 11.2pp63.5%above the sector's middle half▼ 2.1pp76.0%above the sector's middle half▲ 12.4pp
Current ratio5.89above the sector's middle half▲ 2.423.92above the sector's middle half▼ 1.972.65above the sector's middle half▼ 1.271.92within the sector's middle half▼ 0.732.14within the sector's middle half▲ 0.21
Return on assets (ROA)-6.4%below the sector's middle half▼ 20.1pp8.9%within the sector's middle half▲ 15.3pp4.0%within the sector's middle half▼ 4.9pp9.1%within the sector's middle half▲ 5.1pp-67.8%below the sector's middle half▼ 76.9pp
Staff (FTE)2.1▼ 41.7%8.6▲ 310%10.4▲ 20.9%10.1▼ 2.9%7.9▼ 21.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €50,812 after €20,027 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75,674
Fixed assets
€37,886 ▼ 25.9%
Current assets
€37,788 ▼ 68.5%
Equity and liabilities €75,674
Equity
€57,490 ▼ 47.2%
Debt
€18,185 ▼ 70.9%
Debt's share of the balance-sheet total falls from 36.5% to 24.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€37,617▼
2024 · €30,632
Cash flow
-€38,143▼
2024 · €26,163
Debt to equity
0.32▼
2024 · 0.57
ROE
-89.3%▼
2024 · 14.3%
Interest coverage
-97.99▼
2024 · 100.10
Debt ≤ 1 year
€17,686▼
2024 · €62,486
Income taxes
€141▼
2024 · €4,188
Staff costs
€137,492▼
2024 · €148,154
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.0%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,805 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €90,451 | €125,688 | €148,154 | €137,492 | ▼ 7.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,746 | €3,036 | €3,329 | €10,606 | €13,195 | ▲ 24.4% |
| Other operating charges640/8 | - | €1,532 | €1,621 | €1,701 | €2,089 | ▲ 22.8% |
| Non-recurring operating charges66A | - | - | - | - | €80 | - |
| Gross operating margin9900 | €26,027 | €108,770 | €137,396 | €180,487 | €102,044 | ▼ 43.5% |
| Operating profit (loss)9901 | -€7,384 | €13,751 | €6,759 | €20,027 | -€50,812 | ▼ 354% |
| Financial income75/76B | - | €628 | €76 | €25 | €0 | ▼ 99.8% |
| Recurring financial income75 | €128 | €628 | €76 | €25 | €0 | ▼ 99.8% |
| Financial charges65/66B | - | €399 | €617 | €306 | €384 | ▲ 25.4% |
| Recurring financial charges65 | €476 | €399 | €617 | €306 | €384 | ▲ 25.4% |
| Profit (loss) for the period before taxes9903 | -€7,732 | €13,980 | €6,218 | €19,745 | -€51,196 | ▼ 359% |
| Income taxes67/77 | - | €568 | €565 | €4,188 | €141 | ▼ 96.6% |
| Profit (loss) for the period9904 | -€7,732 | €13,412 | €5,652 | €15,557 | -€51,337 | ▼ 430% |
| Profit (loss) for the period to be appropriated9905 | -€7,732 | €13,412 | €5,652 | €15,557 | -€51,337 | ▼ 430% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €120,775 | €151,393 | €142,201 | €171,313 | €75,674 | ▼ 55.8% |
| Fixed assets21/28 | €16,507 | €13,471 | €12,528 | €51,161 | €37,886 | ▼ 25.9% |
| Tangible fixed assets22/27 | €12,427 | €9,391 | €8,448 | €47,081 | €33,806 | ▼ 28.2% |
| Land and buildings22 | - | €5,380 | €4,904 | €1,428 | €873 | ▼ 38.9% |
| Plant, machinery and equipment23 | - | €4,011 | €3,544 | €4,678 | €3,390 | ▼ 27.5% |
| Furniture and vehicles24 | - | - | - | €40,975 | €29,543 | ▼ 27.9% |
| Financial fixed assets28 | €4,080 | €4,080 | €4,080 | €4,080 | €4,080 | = |
| Current assets29/58 | €104,268 | €137,922 | €129,673 | €120,152 | €37,788 | ▼ 68.5% |
| Amounts receivable after more than one year29 | - | €4,116 | - | - | - | - |
| Other amounts receivable291 | - | €4,116 | - | - | - | - |
| Stocks and contracts in progress3 | - | - | €7,972 | €7,677 | - | - |
| Stocks30/36 | - | - | €7,972 | €7,677 | - | - |
| Amounts receivable within one year40/41 | €2,689 | €1,021 | €700 | €700 | €3,724 | ▲ 432% |
| Trade receivables40 | - | €321 | - | - | €3,334 | - |
| Other amounts receivable41 | - | €700 | €700 | €700 | €390 | ▼ 44.3% |
| Cash at bank and in hand54/58 | €97,463 | €132,276 | €120,542 | €111,290 | €32,689 | ▼ 70.6% |
| Deferred charges and accrued income490/1 | - | €508 | €459 | €485 | €1,375 | ▲ 184% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €120,775 | €151,393 | €142,201 | €171,313 | €75,674 | ▼ 55.8% |
| Equity10/15 | €102,826 | €116,238 | €93,270 | €108,827 | €57,490 | ▼ 47.2% |
| Contributions10/11 | - | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Reserves13 | €80,558 | €86,238 | €63,270 | €78,827 | €78,827 | = |
| Non-distributable reserves130/1 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves not available under the articles1311 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Distributable reserves133 | - | €83,238 | €60,270 | €75,827 | €75,827 | = |
| Profit (loss) carried forward14 | -€7,732 | - | - | - | -€51,337 | - |
| Amounts payable17/49 | €17,949 | €35,155 | €48,931 | €62,486 | €18,185 | ▼ 70.9% |
| Amounts payable within one year42/48 | €17,699 | €35,155 | €48,931 | €62,486 | €17,686 | ▼ 71.7% |
| Trade debts44 | €9,890 | €15,571 | €16,123 | €18,691 | €512 | ▼ 97.3% |
| Suppliers440/4 | - | €15,571 | €16,123 | €18,691 | €512 | ▼ 97.3% |
| Taxes, remuneration and social security45 | - | €17,776 | €17,927 | €27,857 | €3,118 | ▼ 88.8% |
| Taxes450/3 | - | €8,937 | €8,565 | €15,087 | €141 | ▼ 99.1% |
| Remuneration and social security454/9 | - | €8,839 | €9,362 | €12,769 | €2,976 | ▼ 76.7% |
| Other amounts payable47/48 | - | €1,808 | €14,882 | €15,938 | €14,056 | ▼ 11.8% |
| Accrued charges and deferred income492/3 | - | - | - | - | €499 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,732 | €13,412 | €5,652 | €15,557 | -€51,337 | ▼ 430% |
| + Depreciation and write-downs630 | €3,746 | €3,036 | €3,329 | €10,606 | €13,195 | ▲ 24.4% |
| Operating cash flow (approximation) | -€3,987 | €16,448 | €8,981 | €26,163 | -€38,143 | ▼ 246% |
| Investment in fixed assets (approximation) | - | €0 | -€2,385 | -€49,239 | €80 | ▲ 100% |
| Change in cash | - | €34,813 | -€11,734 | -€9,252 | -€78,601 | ▼ 750% |
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
10-06
State Gazette act
Registered officeRegistered-office move · Director in office3 facts ▸
State Gazette act
Registered office
Registered-office move · Director in office3 facts ▸
- Registered-office move, 3570 Alken, Lijsterlaan 13
- Board meeting, 26-12-2025
- Director in office, David Jacques (director)
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€51,337
Net result drops to -€51,337, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €100,000Eq €108,827 ▲16.7%
3 profitable years in a row build equity to €108,827.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €13,412
Net result €13,412 after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100,000Eq €110,558 ▲22.4%
2 profitable years in a row build equity to €110,558.
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Alken · 1 establishment unit since 2007
Ground area
419 m²
Building footprint
91 m²
Volume, LiDAR
21 m³
Parcel 73302F1066/00G003, Flanders · tallest building 2.2 m. Linked by address, not a title deed.
1 establishment unit
Het Moment
since 20072.162.723.777
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302F1066/00G003 | Flanders | 419 m² | 1 · 91 m² | 2.2 m |
Linked by address, not proof of ownership
Good to know
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 20,509 companies in sector 56111 we hold annual accounts for 11,464. 9,874 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
Founded11-04-2007
Fiscal year end30-06
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0888691333
Also
9925:BE0888691333
Registered
10-07-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.