JERME
ActiveJERME has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €18k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 4547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+78
Solvency89▼-11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.13 against 8.92 in 2024; short-term debt: 18.4% and cash: 54.1% of total assets), and 36.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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
63.9%
Return on assets
7.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
54 d early
2023
28 d early
2022
34 d early
2021
23 d early
2020
23 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18k
2024 · €-27k
2018: €-11k
2019: €7k
2020: €22k
2021: €4k
2022: €10k
2023: €7k
2024: €-27k
2018 → 2025
Working capital
€134k▲ 4.9%
2024 · €128k
2018: €103k
2019: €97k
2020: €124k
2021: €127k
2022: €143k
2023: €155k
2024: €128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€150k▲ 7.5%€158k▲ 4.8%€131k▼ 17.0%€149k▲ 13.7%
Operating result€9k-€21k▲ 132%€13k▼ 37.6%€-25k€21k
Net result€4k-€10k▲ 142%€7k▼ 30.3%€-27k€18k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €25k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€56k▲ 1,868%
Current assets
€177k▲ 22.9%
Equity and liabilities €233k
Equity
€149k▲ 13.7%
Debt
€84k▲ 420%
The debt ratio rises from 11.0% to 36.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €-23k
Cash flow
€22k▲
2024 · €-25k
Solvency
63.9%▼
2024 · 89.0%
Current ratio
4.13▼
2024 · 8.92
Quick ratio
3.87▼
2024 · 8.63
Debt / equity
0.56▲
2024 · 0.12
ROE
12.0%▲
2024 · -20.6%
ROA
7.7%▲
2024 · -18.3%
Interest coverage
16.29▲
2024 · -18.51
Debt
€84k▲
2024 · €16k
Debt ≤ 1 year
€43k▲
2024 · €16k
Debt > 1 year
€41k
Income taxes
€2k▲
2024 · €193
Staff costs
€62k▼
2024 · €74k
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€147k€233k▲
Fixed assets21/28€3k€56k▲
Tangible fixed assets22/27€3k€56k▲
Furniture and vehicles24€3k€56k▲
Current assets29/58€144k€177k▲
Stocks and contracts in progress3€5k€11k▲
Stocks30/36€5k€11k▲
Amounts receivable within one year40/41€37k€30k▼
Trade receivables40€30k€27k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€94k€126k▲
Deferred charges and accrued income490/1€8k€10k▲
Equity and liabilities
Total equity and liabilities10/49€147k€233k▲
Equity10/15€131k€149k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€69k€87k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€44k€44k=
Distributable reserves133€18k€36k▲
Profit (loss) carried forward14€247€162▼
Amounts payable17/49€16k€84k▲
Amounts payable after more than one year17-€41k
Financial debts170/4-€41k
Amounts payable within one year42/48€16k€43k▲
Current portion of amounts payable after more than one year42-€14k
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€7k€22k▲
Suppliers440/4€7k€22k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€647€793▲
Remuneration and social security454/9€7k€7k=
Other amounts payable47/48€8-
Income statement
Code20242025
Remuneration, social security and pensions62€74k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€9k€7k▼
Gross operating margin9900€61k€95k▲
Operating profit (loss)9901€-25k€21k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€1k€2k▲
Non-recurring financial charges66B€540€131▼
Profit (loss) for the period before taxes9903€-27k€20k▲
Income taxes67/77€193€2k▲
Profit (loss) for the period9904€-27k€18k▲
Profit (loss) for the period to be appropriated9905€-27k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€18k▲
Profit (loss) brought forward from the previous period14P€128€247▲
Transfer from equity791/2€27k-
Transfer to equity691/2-€18k
To other reserves6921-€18k
The notes to these accounts (7 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-27k ▼470%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Equity above €150kEq €150k ▲7.5%
4 profitable years in a row build equity to €150k.
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €22k ▲233%
Operating result €33k, net result €22k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Saint-Ghislain · 1 establishment unit since 1990
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.
Rue des Azalées(B) 57331 Saint-GhislainGround area
1.8 ha
Building footprint
2,621 m²
Volume, LiDAR
17,078 m³
Parcel 53009B0464/00L000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Azalées(B) 5, 7331 Saint-Ghislain
since 19902.048.694.537
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53009B0464/00L000 | Wallonia | 1.8 ha | 1 · 2,621 m² | 7.2 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.
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T.G.P.
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BRUCEL
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Of 12,603 companies in sector 49410 we hold annual accounts for 8,194. 6,356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-06-1990
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.