Equity
-€14,825
Debts exceed assets in financial year 2025.
JUMIP
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €63,545 (2023)
€3,761▲ €7,072
lowest -€21,401 (2010)
€562▲ €6,489
peak -€9,460 (2023)
-€14,825▲ €562
€134,888▲ 9.6%
Board4 names since 2010
3 directorsLeopold Vergucht and 2 others
Documentsfilings and deeds
29-06-202632 days before the deadline
2025abbreviated format
Gross margin from -€3,311 to €3,761Back to profit: €562Investments €6,000Cash from €6,336 to €11,474
Key points
from the 2025 annual accountsDebts
€134,888 112% of the balance sheet
Investments
€6,000 3.7 × depreciation
Green is investment, beige is depreciation.
Filings
35 annual accounts since 1991
Three of the last ten came late. The 2016 accounts came latest: 149 days after the end of the period.
Board
3 joined
New directors. Latest change 04-09-2026 · 3 in office.
Position in the sector
-12.3%
Lower solvency than 90% of companies in real estate. Sector median 30.7% · 11,297 companies.
Checked score
54
Fair
Financially stronger than 34% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.3%▼ -0.3 percentage points vs 06-2025
08-2025: 0.4%▲ +0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.3%▼ -0.1 percentage points vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.2 percentage points vs 07-2026
09-2026: 0.8%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.6 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€14,825
lowers risk
Size: total assets €120,062
Founded in 1990
Figures for financial year 2025 (filed on 29-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 12% of them on solvency, 12% on liquidity, 57% on profitability and 56% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,449 companies had the same profile as JUMIP has now. Each dot stands for 4 companies, two years later.
92.2%
were still trading
4.8%
stopped another way
2.5%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JUMIP itself is lower: 0.2% within 12 months. It rests on far more data about JUMIP than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,449 companies, not a prediction for JUMIP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.66 (0.66 in 2024), below 1. Short-term debt is 112.3% and cash 9.6% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 11297 sector peers (2025).
NBB · sector comparisonPosition among 11297 sector peers
Solvency
better than 10%
← 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
14 days late
2023
22 days early
2022
30 days early
2021
34 days early
2020
22 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
1 director appointed, 1 resignation, 3 reappointments
Changes of role: Leopold Vergucht and Milo Vergucht (managing director) · Resignation: Jolande Van Hautegem · Appointment: Jolande Van Hautegem · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0440426124
Registered office moved from Maarkedal to Oudenaarde
New registered office: Broekstraat 120 A, 9700 Oudenaarde · Previous registered office: Bovenstraat 4, 9680 Maarkedal · Board meeting of 01-05-2023 · Gazette deed
1 director appointed, 3 reappointments
Reappointments: Leopold Vergucht, Jolande Van Hautegem and Kamiel Vergucht · Appointment: Leopold Vergucht (managing director) · General meeting of 15-11-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JUMIP Oudenaarde | €120,062 | €3,761 | -12.3% | - |
| Nestor & Nuvo Retie | €122,410 | €3,450 | 73.8% | - |
| IMMO JOLNIE Baarle-Hertog | €132,118 | €3,678 | 100.0% | 0 |
| GUYMO Boechout | €103,503 | €4,346 | 83.6% | - |
| De Boerenleger-Stede Antwerp | €118,884 | €4,355 | 96.4% | - |
| C. DELENS Ghent | €100,986 | €6,297 | 91.6% | 0 |
| BUREAU GERARD STROKER Woluwe-Saint-Lambert | €161,827 | €3,914 | 96.3% | - |
These companies have the same main activity as JUMIP: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €101,000 and €162,000, founded between 1983 and 1995.
Official details
Source: KBO- Status
- Active since 12-04-1990Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.047.991.9799700 Oudenaarde, since 20-04-1990
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2025
Annual accounts 2025
- ≈ €13,000estimated
- €120,062▲ 11.5%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on JUMIP
JUMIP files the abbreviated format. That format states no turnover. The gross margin fell from €3,803 in 2006 to €3,761 in 2025.
In September 2026, the Official Gazette published the appointment of Milo Vergucht as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JUMIP
- What is the company number of JUMIP?
- The company number of JUMIP is 0440.426.124. The VAT number is the same number with BE in front: BE 0440.426.124.
- Where is JUMIP based?
- The registered office is at Broekstraat 120A, 9700 Oudenaarde.Company details
- What does JUMIP do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of JUMIP?
- JUMIP is a public limited company (NV).
- When was JUMIP founded?
- JUMIP was founded on 12-04-1990.
- Is JUMIP still active?
- Yes, JUMIP is an active enterprise in the KBO register.
- What is the turnover of JUMIP?
- The turnover in financial year 2025 is ≈ €13,000. This figure is estimated from the gross margin of €3,761 and 59 comparable companies (NACE 68310). It probably lies between €6,700 and €28,000. It is a rough estimate.Financials
- Is JUMIP profitable?
- In financial year 2025, JUMIP made a profit of €562.
- Where can I find the annual accounts of JUMIP?
- JUMIP filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JUMIP due?
- JUMIP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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