Jérôme Dumont · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Jérôme Dumont is 2.3% (moderate). The 2025 annual accounts show equity of €201k and a net result of €64k. Equity is growing by ~56.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 2905 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 86% of 2905 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	17-12-2025	45 d early	2025-00586417
30-06-2024	31-01-2025	20-12-2024	42 d early	2024-00622016
30-06-2023	31-01-2024	30-11-2023	62 d early	2023-00519454

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.3% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€474k+11.1%

EBIT margin17.4%-10.3pp

Net result€64k-32.4%

Working capital€120k+23.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 17-12-2025 with the NBB · fiscal year 2025 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~56.7%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	77.4%	43.4%	better than 86% of 2905 sector peers
Net result	€64k	€13k	better than 88% of 2904 sector peers
Equity	€201k	€44k	better than 91% of 2905 sector peers
Gross operating margin	€260k	€39k	better than 95% of 2902 sector peers
Staff costs	€143k	€30k	higher than 87% of 943 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P86

Improving position over 2023-2025 · n=2905-11120

Net result P88

Stable position over 2023-2025 · n=2904-11103

Equity P91

Improving position over 2023-2025 · n=2905-11124

Gross operating margin P95

Stable position over 2023-2025 · n=2902-11092

Describes the position versus peers, not a forecast.

Revenue

€474k

+11.1% 23-25

EBITDA

€117k

-19.1% 23-25

Net profit

€64k

-32.4% 23-25

Cash flow

€99k

-18.7% 23-25

Total assets

€260k

+67.7% 23-25

Equity

€201k

+45.6% 23-25

Working capital

€120k

+23.6% 23-25

Employees (FTE)

4

+16.7% 23-25

Show 15 other metrics

Staff costs

€143k

+17.9% 23-25

Income taxes

€24k

+4.2% 23-25

Dividends

€800

0.0% 23-25

Debt

€59k

+248.3% 23-25

Debt ≤ 1y

€29k

+90.7% 23-25

Debt > 1y

€30k

+1505.9% 23-25

Current ratio

5.18

-30.5% 23-25

Quick ratio

5.13

-12.4% 23-25

Solvency

77.4%

-13.1% 23-25

Debt / equity

0.29

+139.1% 23-25

ROE

31.7%

-53.6% 23-25

ROA

24.6%

-59.7% 23-25

Net margin

13.5%

-39.1% 23-25

EBITDA margin

24.8%

-27.1% 23-25

Interest coverage

99.21

-78.0% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	€474k
EBITDA	€117k
Net profit	€64k
Cash flow	€99k
Staff costs	€143k
Income taxes	€24k
Dividends	€800
Total assets	€260k
Equity	€201k
Debt	€59k
of which ≤ 1y	€29k
of which > 1y	€30k
Working capital	€120k
Employees (FTE)	3.5

Ratios (computed)

	2025
Current ratio	5.18
Quick ratio	5.13
Working capital ratio	46.1%
Solvency	77.4%
Debt / equity	0.29
Long-term debt ratio	0.15
Interest coverage	99.21
Gross margin	54.9%
Net margin	13.5%
ROA	24.6%
ROE	31.7%
EBITDA margin	24.8%
Days sales outstanding	21d
Days payable outstanding	13d
Inventory turnover	141.64
Days inventory (DSI)	3d

Balance-sheet composition 2025

Assets

Fixed assets €112k · 42.9% Current assets €148k · 57.1%

Equity & liabilities

Equity €201k · 77.4% Debt €59k · 22.6%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€260k
Fixed assets	21/28	€112k
Intangible fixed assets	21	€941
Tangible fixed assets	22/27	€111k
Financial fixed assets	28	€180
Current assets	29/58	€148k
Stocks & contracts in progress	3	€2k
Amounts receivable within one year	40/41	€59k
Cash & bank	54/58	€86k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€260k
Equity	10/15	€201k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€198k
Amounts payable	17/49	€59k
Amounts payable after one year	17	€30k
Amounts payable within one year	42/48	€29k
Trade debts payable within one year	44	€8k
Income statement
Turnover	70	€474k
Gross operating margin	9900	€260k
Operating result	9901	€82k
Financial income	75	€35
Financial charges	65	€1k
Result before taxes	9903	€88k
Income taxes	67/77	€24k
Net result for the period	9904	€64k
Result to be appropriated	9905	€64k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 Hamerenne 45580 Rochefort

Establishment units

1 location

SRL Dumont JEROME

Rue Hamerenne 4, 5580 RochefortOntwikkeling van residentiële bouwprojecten

since 20222.332.284.034

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,132 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
91114C0536/00H000	Wallonia	1,132 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

95 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 97

Solvency 100

Growth 85

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 1,660 of the 11,138 companies in this sector. 1,238 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Metselwerk43910Uitvoeren van metsel- en voegwerken43994Bouwrijp maken van terreinen43120Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameFR

Jérôme Dumont

Registered office

Rue Hamerenne 4

5580 Rochefort, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.