Summary
JUMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.27M and a net result of €742k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 6156 sector peers (fiscal year 2024). The company has been active since 2004 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 10 filingsDeviation from the deadline
2025
47 d late
2024
91 d late
2023
30 d late
2022
11 d early
2021
30 d late
2020
30 d late
2019
90 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, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€4.27M▲ 17.3%
2024 · €3.64M
2018: €1.50M
2019: €1.75M
2020: €2.04M
2021: €2.26M
2022: €2.55M
2023: €2.90M
2024: €3.64M
2018 → 2025
Net result
€742k▼ 0.4%
2024 · €744k
2018: €232k
2019: €258k
2020: €283k
2021: €229k
2022: €283k
2023: €351k
2024: €744k
2018 → 2025
Total assets
€4.47M▲ 17.7%
2024 · €3.80M
2018: €5.12M
2019: €5.12M
2020: €5.06M
2021: €4.96M
2022: €4.99M
2023: €3.76M
2024: €3.80M
2018 → 2025
Solvency
95.6%▼ 0.3pp
2024 · 95.9%
2018: 29.2%
2019: 34.2%
2020: 40.2%
2021: 45.6%
2022: 51.0%
2023: 77.1%
2024: 95.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.26M-€2.55M▲ 12.5%€2.90M▲ 13.8%€3.64M▲ 25.7%€4.27M▲ 17.3%
Operating result€401k-€405k▲ 1.0%€493k▲ 21.9%€987k▲ 100%€159k▼ 83.9%
Net result€229k-€283k▲ 23.9%€351k▲ 24.0%€744k▲ 112%€742k▼ 0.4%
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 84% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.47M
Fixed assets
€3.04M ▼ 5.1%
Current assets
€1.44M ▲ 140%
Equity and liabilities €4.47M
Equity
€4.27M ▲ 17.3%
Debt
€198k ▲ 26.4%
Debt's share of the balance-sheet total rises from 4.1% to 4.4%. Equity and debt are higher.
Key figures and ratios
ROE
17.3%▼
2024 · 20.4%
ROA
16.6%▼
2024 · 19.6%
Debt ≤ 1 year
€198k▲
2024 · €157k
Income taxes
€375k▲
2024 · €240k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.80M€4.47M▲
Fixed assets21/28€3.20M€3.04M▼
Tangible fixed assets22/27€3.20M€3.04M▼
Land and buildings22€3.05M€2.89M▼
Other tangible fixed assets26€148k€148k=
Financial fixed assets28€4k€0▼
Current assets29/58€599k€1.44M▲
Amounts receivable within one year40/41€506k€626k▲
Trade receivables40€91k€103k▲
Other amounts receivable41€415k€524k▲
Cash at bank and in hand54/58€44k€779k▲
Deferred charges and accrued income490/1€50k€31k▼
Equity and liabilities
Total equity and liabilities10/49€3.80M€4.47M▲
Equity10/15€3.64M€4.27M▲
Contributions10/11€19k€19k=
Reserves13€3.62M€4.26M▲
Distributable reserves133€3.62M€4.26M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€157k€198k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€157k€198k▲
Current portion of amounts payable after more than one year42€104k€0▼
Trade debts44€49k€27k▼
Suppliers440/4€49k€27k▼
Taxes, remuneration and social security45€0€58k▲
Taxes450/3€0€58k▲
Other amounts payable47/48€4k€114k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€126k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€257k€169k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€1.25M€333k▼
Operating profit (loss)9901€987k€159k▼
Financial income75/76B€4k€963k▲
Recurring financial income75€4k€963k▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€984k€1.12M▲
Income taxes67/77€240k€375k▲
Profit (loss) for the period9904€744k€742k▼
Profit (loss) for the period to be appropriated9905€744k€742k▼
Appropriation of the result
Profit (loss) to be appropriated9906€744k€742k▼
Transfer to equity691/2€744k€632k▼
To other reserves6921€744k€632k▼
Profit to be distributed694/7-€110k
Directors or managers695-€110k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (12 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 91 days late
2024
31-12
Financial
Highest result since 2018net €744k ▲112%
Operating result €987k, net result €744k, both a record.
31-12
Financial
Liquidity times 25current ratio 3.82
Current ratio from 0.15 to 3.82; short-term debt falls from €736k to €157k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €229k ▼19.1%
Net result drops to €229k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Equity above €2MEq €2.04M ▲16.1%
3 profitable years in a row build equity to €2.04M.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Kluisbergen
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.
Meersestraat 259690 KluisbergenGround area
4,963 m²
Building footprint
941 m²
Volume, LiDAR
3,013 m³
Parcel 45002B0251/00F000, Flanders · tallest building 14.1 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002B0251/00F000 | Flanders | 4,963 m² | 1 · 941 m² | 14.1 m · 1 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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,108 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
Founded15-07-2004
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.