JEMA CONSTRUCTIONS
ActiveSummary
JEMA CONSTRUCTIONS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €57k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 1909 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency82▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 2.09 in 2024; short-term debt: 36.7% and cash: 51.3% of total assets), and 43.5% of the assets are financed with debt.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
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
56.5%
Return on assets
12.6%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
3 d early
2023
21 d late
2022
29 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▲ 28.6%
2024 · €199k
2022: €137k
2023: €159k
2024: €199k
2022 → 2025
Total assets
€453k▲ 25.5%
2024 · €361k
2022: €298k
2023: €273k
2024: €361k
2022 → 2025
Net result
€57k▲ 39.9%
2024 · €41k
2022: €63k
2023: €22k
2024: €41k
2022 → 2025
Working capital
€204k▲ 62.7%
2024 · €125k
2022: €51k
2023: €67k
2024: €125k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€137k-€159k▲ 15.7%€199k▲ 25.7%€256k▲ 28.6%
Operating result€86k-€33k▼ 62.0%€63k▲ 90.9%€95k▲ 51.6%
Net result€63k-€22k▼ 66.1%€41k▲ 89.2%€57k▲ 39.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453k
Fixed assets
€83k ▼ 31.4%
Current assets
€370k ▲ 54.4%
Equity and liabilities €453k
Equity
€256k ▲ 28.6%
Debt
€197k ▲ 21.8%
Debt's share of the balance-sheet total falls from 44.8% to 43.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€152k▲
2024 · €111k
Cash flow
€114k▲
2024 · €89k
Current ratio
2.22▲
2024 · 2.09
Quick ratio
1.70▼
2024 · 1.74
Debt to equity
0.77▼
2024 · 0.81
ROE
22.2%▲
2024 · 20.4%
ROA
12.6%▲
2024 · 11.3%
Interest coverage
60.19▲
2024 · 52.68
Debt ≤ 1 year
€166k▲
2024 · €114k
Debt > 1 year
€31k▼
2024 · €47k
Income taxes
€35k▲
2024 · €20k
Staff costs
€41k▲
2024 · €39k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€361k€453k▲
Fixed assets21/28€122k€83k▼
Intangible fixed assets21€1k€900▼
Tangible fixed assets22/27€120k€82k▼
Plant, machinery and equipment23€42k€19k▼
Furniture and vehicles24€78k€63k▼
Current assets29/58€239k€370k▲
Stocks and contracts in progress3€41k€87k▲
Stocks30/36€41k€87k▲
Amounts receivable within one year40/41€70k€47k▼
Trade receivables40€56k€41k▼
Other amounts receivable41€14k€7k▼
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€125k€232k▲
Deferred charges and accrued income490/1€1k€777▼
Equity and liabilities
Total equity and liabilities10/49€361k€453k▲
Equity10/15€199k€256k▲
Contributions10/11€50k€50k=
Reserves13€115k€171k▲
Distributable reserves133€115k€171k▲
Profit (loss) carried forward14€34k€35k▲
Amounts payable17/49€162k€197k▲
Amounts payable after more than one year17€47k€31k▼
Financial debts170/4€47k€31k▼
Amounts payable within one year42/48€114k€166k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€3k€56k▲
Suppliers440/4€3k€56k▲
Taxes, remuneration and social security45€15k€15k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€81k€78k▼
Income statement
Code20242025
Remuneration, social security and pensions62€39k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€57k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€154k€198k▲
Operating profit (loss)9901€63k€95k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€60k€92k▲
Income taxes67/77€20k€35k▲
Profit (loss) for the period9904€41k€57k▲
Profit (loss) for the period to be appropriated9905€41k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€91k▲
Profit (loss) brought forward from the previous period14P€34k€34k▲
Transfer to equity691/2€40k€56k▲
To other reserves6921€40k€56k▲
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €200kEq €256k ▲28.6%
4 profitable years in a row build equity to €256k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €22k ▼66.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €159k ▲15.7%
2 profitable years in a row build equity to €159k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Staden · 1 establishment unit since 2010
Ground area
380 m²
Building footprint
121 m²
Volume, LiDAR
696 m³
Parcel 36014C0239/00T000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEMA CONSTRUCTIONS
since 20102.191.859.015
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014C0239/00T000 | Flanders | 380 m² | 1 · 120 m² | 10.4 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.
Similar companies · same sector, comparable size
HAECK - VANDEWALLE
BE 0440.505.902
Wingene · Eq €256,909
FRAIPONTS METAALBEWERKING
BE 0441.330.994
Zonhoven · Eq €255,034
Joery Collier
BE 0808.795.896
Beveren-Kruibeke-Zwijndrecht · Eq €257,687
Pedro Cokelaere
BE 0740.529.870
Peer · Eq €254,245
Fait en Fer
BE 0719.439.694
Roeselare · Eq €253,778
Of 3,463 companies in sector 25530 we hold annual accounts for 1,655. 1,338 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
Founded16-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
25530Machining of metals
25401Forging of metal
25510Coating of metals
25991Manufacture of fabricated metal products, except machinery and equipment
43211General electrical installation work
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.