JOMOBANEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €2.46M and a net result of €-6k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 66% of 83 sector peers (fiscal year 2026). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 01-09-2026, 152 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
152 d early
2025
1 d early
2024
1 d early
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€2.46M▼ 0.2%
2025 · €2.47M
2019: €2.49M
2020: €2.50M
2021: €2.51M
2022: €2.49M
2023: €2.47M
2024: €2.46M
2025: €2.47M
2019 → 2026
Net result
€-6k
2025 · €3k
2019: €-6k
2020: €6k
2021: €10k
2022: €-21k
2023: €-18k
2024: €-7k
2025: €3k
2019 → 2026
Total assets
€3.39M▼ 3.2%
2025 · €3.50M
2019: €4.06M
2020: €3.97M
2021: €3.88M
2022: €3.78M
2023: €3.67M
2024: €3.58M
2025: €3.50M
2019 → 2026
Solvency
72.6%▲ 2.1pp
2025 · 70.5%
2019: 61.5%
2020: 63.0%
2021: 64.7%
2022: 65.9%
2023: 67.4%
2024: 68.9%
2025: 70.5%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€2.49M-€2.47M▼ 0.7%€2.46M▼ 0.3%€2.47M▲ 0.1%€2.46M▼ 0.2%
Operating result€-16k-€-8k▲ 48.3%€12k€-1k€-1k▲ 21.0%
Net result€-21k-€-18k▲ 17.6%€-7k▲ 63.0%€3k€-6k
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 stays negative: a loss of €1k in 2026 against €1k in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.39M
Fixed assets
€2.55M▼ 3.3%
Current assets
€837k▼ 2.9%
Equity and liabilities €3.39M
Equity
€2.46M▼ 0.2%
Provisions
€219k▼ 6.6%
Debt
€710k▼ 11.2%
The debt ratio falls from 22.8% to 20.9%. Equity and debt are lower.
Key figures and ratios
Solvency
72.6%▲
2025 · 70.5%
ROE
-0.2%▼
2025 · 0.1%
ROA
-0.2%▼
2025 · 0.1%
Debt
€710k▼
2025 · €799k
Debt ≤ 1 year
€483k▲
2025 · €467k
Debt > 1 year
€227k▼
2025 · €307k
Income taxes
€8k▼
2025 · €11k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€3.50M€3.39M▼
Fixed assets21/28€2.64M€2.55M▼
Tangible fixed assets22/27€2.64M€2.55M▼
Land and buildings22€2.61M€2.54M▼
Plant, machinery and equipment23€256€0▼
Furniture and vehicles24€29k€15k▼
Financial fixed assets28€630€630=
Current assets29/58€862k€837k▼
Amounts receivable after more than one year29€110k€0▼
Other amounts receivable291€110k€0▼
Amounts receivable within one year40/41€48k€1k▼
Trade receivables40€0-
Other amounts receivable41€48k€1k▼
Current investments50/53€599k€699k▲
Cash at bank and in hand54/58€105k€134k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€3.50M€3.39M▼
Equity10/15€2.47M€2.46M▼
Contributions10/11€477k€477k=
Capital10€477k€477k=
Issued capital100€477k€477k=
Reserves13€1.99M€1.98M▼
Non-distributable reserves130/1€48k€48k=
Legal reserve130€48k€48k=
Tax-exempt reserves132€455k€425k▼
Distributable reserves133€1.49M€1.51M▲
Profit (loss) carried forward14€316€0▼
Provisions and deferred taxes16€234k€219k▼
Deferred taxes168€234k€219k▼
Amounts payable17/49€799k€710k▼
Amounts payable after more than one year17€307k€227k▼
Financial debts170/4€307k€227k▼
Amounts payable within one year42/48€467k€483k▲
Current portion of amounts payable after more than one year42€79k€80k▲
Trade debts44€3k€100▼
Suppliers440/4€3k€100▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Other amounts payable47/48€369k€395k▲
Accrued charges and deferred income492/3€25k€0▼
Income statement
Code20252026
Non-recurring operating income76A-€271
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€101k▼
Other operating charges640/8€16k€16k▲
Gross operating margin9900€117k€116k▼
Operating profit (loss)9901€-1k€-1k▲
Financial income75/76B€36k€19k▼
Recurring financial income75€36k€19k▼
Financial charges65/66B€36k€31k▼
Recurring financial charges65€36k€31k▼
Profit (loss) for the period before taxes9903€-1k€-13k▼
Transfer from deferred taxes780€16k€16k=
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€3k€-6k▼
Transfer from tax-exempt reserves789€30k€30k=
Profit (loss) for the period to be appropriated9905€33k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€25k▼
Profit (loss) brought forward from the previous period14P€327€316▼
Transfer to equity691/2€34k€25k▼
To other reserves6921€34k€25k▼
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 2027, expected by
2026
07-09
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Name change · Registered-office move10 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Name change · Registered-office move10 facts ▸
- General meeting, 2026-09-02
- Name change, JOMOBANEST
- Registered-office move, 1200 Sint-Lambrechts-Woluwe, Georges Henrilaan 390
- Director resignation, TIMMERMAN Joseph René Henri (statutaire bestuurder)
- Director discharge, TIMMERMAN Joseph René Henri
- Director resignation, DE LILLE Monique Alice Marie (statutaire bestuurder-opvolger)
- Corporate purpose, Het nemen van participaties onder eender welke vorm, in alle bestaande of nog op te richten vennootschappen en ondernemingen, evenals het verlenen van alle mana…
- Director appointment, Sébastien Raedemaecker (bestuurder)
- Director appointment, Juan Bastin (bestuurder)
- Power of attorney, Bestuursorgaan
01-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-21k ▼321%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €10k ▲59.4%
Net result €10k, the highest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2026
Juan Bastin
CurrentDirector · since 02-09-2026
Sébastien Raedemaecker
CurrentDirector · since 02-09-2026
02-09-2026
Juan Bastin: Appointed as Director
02-09-2026
Sébastien Raedemaecker: Appointed as Director
02-09-2026
DE LILLE Monique Alice Marie: Resigned as Statutaire bestuurder opvolger
02-09-2026
TIMMERMAN Joseph René Henri: Resigned as Statutaire bestuurder
Location & real-estate footprint
Registered office, Sint-Lambrechts-Woluwe · 1 establishment unit since 2000
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.
Georges Henrilaan 3901200 Sint-Lambrechts-WoluweGround area
357 m²
Building footprint
426 m²
Volume, LiDAR
6,352 m³
Parcel 21673D0143/00M031, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Georges Henrilaan 390, 1200 Sint-Lambrechts-Woluwe
since 20002.097.369.434
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0143/00M031 | Brussels | 357 m² | 1 · 426 m² | 17.8 m · 5 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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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 10,294 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-03-2000
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.