Jomacy Décoration
ActiveSummary
Jomacy Décoration has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-37
Solvency80▲+33
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.21 in 2024; short-term debt: 45.1% and cash: 30.2% of total assets), and 45.1% of the assets are financed with debt.
Credit advice 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 43
Relative position
BE, all sectors
reference
Sector 43
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
54.9%
Return on assets
20.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 8 filingsDeviation from the deadline
2025
20 d late
2024
27 d late
2023
225 d late
2022
84 d late
2021
31 d late
2020
26 d late
2019
122 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▲ 59.8%
2024 · €6k
2018: €986
2019: €10k
2020: €7k
2021: €8k
2022: €20k
2023: €-3k
2024: €6k
2018 → 2025
Total assets
€17k▼ 37.0%
2024 · €27k
2018: €28k
2019: €44k
2020: €50k
2021: €50k
2022: €48k
2023: €25k
2024: €27k
2018 → 2025
Net result
€4k▼ 60.2%
2024 · €9k
2018: €-16k
2019: €9k
2020: €-3k
2021: €-818
2022: €12k
2023: €-23k
2024: €9k
2018 → 2025
Working capital
€9k▲ 96.7%
2024 · €5k
2018: €-4k
2019: €5k
2020: €4k
2021: €4k
2022: €14k
2023: €-8k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€20k▲ 138%€-3k€6k€9k▲ 59.8%
Operating result€-564-€13k€-21k€10k€6k▼ 42.1%
Net result€-818-€12k€-23k€9k€4k▼ 60.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€515 ▼ 62.4%
Current assets
€17k ▼ 35.7%
Equity and liabilities €17k
Equity
€9k ▲ 59.8%
Debt
€8k ▼ 63.8%
Debt's share of the balance-sheet total falls from 78.4% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €13k
Cash flow
€4k▼
2024 · €12k
Current ratio
2.15▲
2024 · 1.21
Debt to equity
0.82▼
2024 · 3.62
ROE
37.4%▼
2024 · 150.1%
ROA
20.6%▼
2024 · 32.5%
Interest coverage
2.26▼
2024 · 6.70
Debt ≤ 1 year
€8k▼
2024 · €21k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€17k▼
Fixed assets21/28€1k€515▼
Tangible fixed assets22/27€1k€302▼
Plant, machinery and equipment23€870€295▼
Furniture and vehicles24€289€7▼
Financial fixed assets28€214€214=
Current assets29/58€26k€17k▼
Stocks and contracts in progress3€4k-
Stocks30/36€4k-
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40€981€1k▲
Other amounts receivable41€14k€10k▼
Cash at bank and in hand54/58€7k€5k▼
Deferred charges and accrued income490/1€586€354▼
Equity and liabilities
Total equity and liabilities10/49€27k€17k▼
Equity10/15€6k€9k▲
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€-14k€-10k▲
Amounts payable17/49€21k€8k▼
Amounts payable within one year42/48€21k€8k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€2k-
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€284-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€857▼
Other operating charges640/8€865€798▼
Gross operating margin9900€14k€8k▼
Operating profit (loss)9901€10k€6k▼
Financial income75/76B€518€571▲
Recurring financial income75€518€571▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€9k€4k▼
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-10k▲
Profit (loss) brought forward from the previous period14P€-23k€-14k▲
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 225 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-23k ▼298%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 84 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grez-Doiceau · 1 establishment unit since 2017
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 de la Forêt 211390 Grez-DoiceauGround area
238 m²
Building footprint
77 m²
Volume, LiDAR
696 m³
Parcel 25070B0083/00K000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Forêt 21, 1390 Grez-Doiceau
since 20172.270.427.629
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25070B0083/00K000 | Wallonia | 238 m² | 1 · 77 m² | 10.7 m · 3 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
DECOPAINTS
BE 0738.511.379
Aalter · Eq €9,432
GL DECO
BE 0779.997.388
Verviers · Eq €9,430
Joca Interior
BE 1030.847.209
Kasterlee · Eq €9,426
Tendance ECO Couleurs
BE 0717.995.285
Jemeppe-sur-Sambre · Eq €9,419
OH-DECOR
BE 1014.799.845
Lievegem · Eq €9,397
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 1,613 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)
Founded09-11-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43990Other specialised construction activities
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.