JUMILOTTE GROUP
ActiveThe computed 12-month bankruptcy probability of JUMILOTTE GROUP is 2.3% (moderate). The 2025 annual accounts show equity of €234k and a net result of €121k. Its solvency ranks better than 42% of 10252 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency55▲+14
Growth52
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity short (current ratio 0.8 against 0.97 in 2024; short-term debt: 35.9% and cash: 15.1% of total assets), and 69.9% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
30.1%
Return on assets
15.5%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
27 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€234k▲ 107%
2024 · €113k
2024: €113k
2024 → 2025
Total assets
€780k▲ 7.3%
2024 · €727k
2024: €727k
2024 → 2025
Net result
€121k▼ 52.2%
2024 · €253k
2024: €253k
2024 → 2025
Working capital
€-57k▼ 543%
2024 · €-9k
2024: €-9k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€113k-€234k▲ 107%
Operating result€293k-€162k▼ 44.5%
Net result€253k-€121k▼ 52.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €780k
Fixed assets
€557k▲ 23.7%
Current assets
€223k▼ 19.4%
Equity and liabilities €780k
Equity
€234k▲ 107%
Debt
€546k▼ 11.1%
The debt ratio falls from 84.4% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€218k▼
2024 · €343k
Cash flow
€177k▼
2024 · €303k
Solvency
30.1%▲
2024 · 15.6%
Current ratio
0.80▼
2024 · 0.97
Quick ratio
0.70▼
2024 · 0.91
Debt / equity
2.33▼
2024 · 5.42
ROE
51.7%▼
2024 · 223.6%
ROA
15.5%▼
2024 · 34.8%
Interest coverage
17.42▼
2024 · 32.75
Debt
€546k▼
2024 · €614k
Debt ≤ 1 year
€280k▼
2024 · €286k
Debt > 1 year
€263k▼
2024 · €328k
Income taxes
€33k▲
2024 · €29k
Staff costs
€171k▼
2024 · €208k
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€727k€780k▲
Fixed assets21/28€450k€557k▲
Tangible fixed assets22/27€450k€553k▲
Land and buildings22€258k€337k▲
Plant, machinery and equipment23€193k€212k▲
Furniture and vehicles24-€4k
Financial fixed assets28-€4k
Current assets29/58€277k€223k▼
Amounts receivable after more than one year29-€29k
Other amounts receivable291-€29k
Stocks and contracts in progress3€16k€28k▲
Stocks30/36€16k€28k▲
Amounts receivable within one year40/41€33k€49k▲
Other amounts receivable41€33k€49k▲
Cash at bank and in hand54/58€227k€118k▼
Equity and liabilities
Total equity and liabilities10/49€727k€780k▲
Equity10/15€113k€234k▲
Contributions10/11€10k€10k=
Reserves13€103k€224k▲
Distributable reserves133€103k€224k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€614k€546k▼
Amounts payable after more than one year17€328k€263k▼
Financial debts170/4€328k€263k▼
Amounts payable within one year42/48€286k€280k▼
Current portion of amounts payable after more than one year42€67k€65k▼
Trade debts44€47k€198k▲
Suppliers440/4€47k€198k▲
Advances received on contracts in progress46€1k€3k▲
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€14k€13k▼
Other amounts payable47/48€150k€0▼
Accrued charges and deferred income492/3€450€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€208k€171k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€56k▲
Other operating charges640/8€4k€16k▲
Gross operating margin9900€555k€405k▼
Operating profit (loss)9901€293k€162k▼
Financial income75/76B€0€4k▲
Recurring financial income75€0€4k▲
Financial charges65/66B€10k€13k▲
Recurring financial charges65€10k€13k▲
Profit (loss) for the period before taxes9903€282k€154k▼
Income taxes67/77€29k€33k▲
Profit (loss) for the period9904€253k€121k▼
Profit (loss) for the period to be appropriated9905€253k€121k▼
Appropriation of the result
Profit (loss) to be appropriated9906€253k€121k▼
Transfer to equity691/2€103k€121k▲
To other reserves6921€103k€121k▲
Profit to be distributed694/7€150k€0▼
Directors or managers695€150k€0▼
Social balance
Average headcount (FTE)90876.14.4▼
The notes to these accounts (17 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €234k ▲107%
2 profitable years in a row build equity to €234k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Koksijde · 2 establishment units since 2024
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.
Zeedijk(Kok) 3438670 KoksijdeGround area
504 m²
Building footprint
341 m²
Volume, LiDAR
5,215 m³
Parcel 38342G0051/00B000, Flanders · tallest building 25.4 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Bakkerij Charlotte
since 20242.357.125.932
by Juuls
since 20242.357.126.031
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38342G0051/00B000 | Flanders | 504 m² | 1 · 341 m² | 25.4 m · 7 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesKoksijde2.357.125.932
Koksijde2.357.126.031
Similar companies · same sector, comparable size
VERDRI
BE 0791.497.135
Hoogstraten · Eq €236k
DELI BILZEN
BE 0452.217.562
Bilzen-Hoeselt · Eq €233k
CARUSO
BE 0457.663.420
Oostende · Eq €238k
CHOCOLATIER-CONFISEUR ANGELIQUE
BE 0422.814.090
Brussel · Eq €230k
KARERI
BE 0674.755.556
Beringen · Eq €230k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,098. 783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2024
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.