JEMAFEM
ActiveSummary
JEMAFEM has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €451k and a net result of €59k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency74▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.74 in 2024; short-term debt: 37.6% and cash: 0.6% of total assets), but 50.7% 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
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 · 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
49.3%
Return on assets
6.4%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
29 d late
2023
30 d late
2022
100 d late
2021
45 d late
2020
24 d late
2019
3 d early
← 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, abbreviated schema
Equity
€451k▲ 15.0%
2024 · €392k
2018: €251k
2019: €257k
2020: €267k
2021: €277k
2022: €279k
2023: €326k
2024: €392k
2018 → 2025
Total assets
€913k▲ 17.5%
2024 · €778k
2018: €384k
2019: €515k
2020: €387k
2021: €523k
2022: €695k
2023: €778k
2024: €778k
2018 → 2025
Net result
€59k▼ 10.6%
2024 · €66k
2018: €23k
2019: €5k
2020: €10k
2021: €10k
2022: €2k
2023: €47k
2024: €66k
2018 → 2025
Working capital
€395k▲ 53.0%
2024 · €258k
2018: €129k
2019: €125k
2020: €160k
2021: €127k
2022: €152k
2023: €148k
2024: €258k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€277k-€279k▲ 0.8%€326k▲ 17.0%€392k▲ 20.1%€451k▲ 15.0%
Operating result€21k-€8k▼ 61.9%€69k▲ 748%€104k▲ 49.9%€102k▼ 1.2%
Net result€10k-€2k▼ 78.3%€47k▲ 2,034%€66k▲ 38.9%€59k▼ 10.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €913k
Fixed assets
€176k ▲ 3.2%
Current assets
€738k ▲ 21.5%
Equity and liabilities €913k
Equity
€451k ▲ 15.0%
Debt
€463k ▲ 20.0%
Debt's share of the balance-sheet total rises from 49.6% to 50.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€139k▼
2024 · €139k
Cash flow
€95k▼
2024 · €101k
Current ratio
2.15▲
2024 · 1.74
Quick ratio
1.21▲
2024 · 0.98
Debt to equity
1.03▲
2024 · 0.98
ROE
13.0%▼
2024 · 16.8%
ROA
6.4%▼
2024 · 8.4%
Interest coverage
10.00▼
2024 · 31.71
Debt ≤ 1 year
€343k▼
2024 · €349k
Debt > 1 year
€100k
Income taxes
€30k▼
2024 · €34k
Staff costs
€54k▼
2024 · €74k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€778k€913k▲
Fixed assets21/28€170k€176k▲
Tangible fixed assets22/27€170k€175k▲
Land and buildings22€77k€67k▼
Plant, machinery and equipment23€76k€91k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€13k€16k▲
Financial fixed assets28€378€378=
Current assets29/58€607k€738k▲
Stocks and contracts in progress3€265k€321k▲
Stocks30/36€265k€321k▲
Amounts receivable within one year40/41€318k€411k▲
Trade receivables40€13k€495▼
Other amounts receivable41€305k€411k▲
Cash at bank and in hand54/58€24k€5k▼
Equity and liabilities
Total equity and liabilities10/49€778k€913k▲
Equity10/15€392k€451k▲
Contributions10/11€19k€19k=
Reserves13€373k€432k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€371k€430k▲
Amounts payable17/49€386k€463k▲
Amounts payable after more than one year17-€100k
Financial debts170/4-€100k
Amounts payable within one year42/48€349k€343k▼
Current portion of amounts payable after more than one year42€26k€88k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€168k€184k▲
Suppliers440/4€168k€184k▲
Taxes, remuneration and social security45€24k€44k▲
Taxes450/3€24k€44k▲
Other amounts payable47/48€131k€15k▼
Accrued charges and deferred income492/3€36k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€74k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€215k€194k▼
Operating profit (loss)9901€104k€102k▼
Financial income75/76B€905€105▼
Recurring financial income75€905€105▼
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€14k▲
Profit (loss) for the period before taxes9903€100k€89k▼
Income taxes67/77€34k€30k▼
Profit (loss) for the period9904€66k€59k▼
Profit (loss) for the period to be appropriated9905€66k€59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€59k▼
Transfer to equity691/2€66k€59k▼
To other reserves6921€66k€59k▼
Social balance
Average headcount (FTE)90872.61.5▼
The notes to these accounts (8 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €66k ▲38.9%
Operating result €104k, net result €66k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼78.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 45 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Aalst · 1 establishment unit since 1994
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.
Geensbeekstraat 159310 AalstGround area
395 m²
Building footprint
226 m²
Parcel 41042D0827/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Geensbeekstraat 15, 9310 Aalst
since 19942.065.016.073
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042D0827/00N000 | Flanders | 395 m² | 1 · 226 m² | - |
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
1 siteAalst2.065.016.073
Similar companies · same sector, comparable size
DHZ
BE 1001.192.923
Sint-Niklaas · Eq €451k
AMALEX
BE 0518.897.738
Zonhoven · Eq €452k
ASMARKET
BE 0803.948.569
Huy · Eq €449k
JFC SUPERMARCHÉ
BE 1020.590.052
Sint-Gillis (bij-Brussel) · Eq €448k
LTL FRESH FOOD II
BE 0818.485.703
Oudsbergen · Eq €447k
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 3,282 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 (pre-2019)
Founded01-01-1994
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.