LOJUMER 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 €2.82M and a net result of €456k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 5498 sector peers (fiscal year 2025). The company has been active since 2003 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 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
66 d early
2023
58 d early
2022
33 d early
2021
4 d early
2020
40 d early
2019
58 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.82M▲ 12.7%
2024 · €2.50M
2019: €4.53M
2020: €3.55M
2021: €1.84M
2022: €2.86M
2023: €3.13M
2024: €2.50M
2019 → 2025
Net result
€456k▲ 13.6%
2024 · €401k
2019: €1.03M
2020: €136k
2021: €337k
2022: €1.19M
2023: €408k
2024: €401k
2019 → 2025
Total assets
€3.03M▼ 16.3%
2024 · €3.61M
2019: €4.65M
2020: €4.76M
2021: €2.85M
2022: €3.11M
2023: €3.34M
2024: €3.61M
2019 → 2025
Solvency
93.1%▲ 23.9pp
2024 · 69.1%
2019: 97.4%
2020: 74.6%
2021: 64.4%
2022: 91.9%
2023: 93.7%
2024: 69.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.84M-€2.86M▲ 55.9%€3.13M▲ 9.3%€2.50M▼ 20.2%€2.82M▲ 12.7%
Operating result€197k-€199k▲ 1.3%€267k▲ 34.0%€268k▲ 0.5%€299k▲ 11.5%
Net result€337k-€1.19M▲ 253%€408k▼ 65.6%€401k▼ 1.7%€456k▲ 13.6%
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 has risen four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.03M
Fixed assets
€1.75M▼ 4.5%
Current assets
€1.28M▼ 28.3%
Equity and liabilities €3.03M
Equity
€2.82M▲ 12.7%
Provisions
€39k▼ 5.9%
Debt
€171k▼ 84.1%
The debt ratio falls from 29.7% to 5.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.1%▲
2024 · 69.1%
ROE
16.2%▲
2024 · 16.1%
ROA
15.1%▲
2024 · 11.1%
Debt
€171k▼
2024 · €1.07M
Debt ≤ 1 year
€170k▼
2024 · €1.07M
Income taxes
€133k▲
2024 · €119k
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€3.61M€3.03M▼
Fixed assets21/28€1.83M€1.75M▼
Tangible fixed assets22/27€1.45M€1.37M▼
Land and buildings22€1.37M€1.29M▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€57k€60k▲
Other tangible fixed assets26€17k€13k▼
Financial fixed assets28€380k€380k=
Current assets29/58€1.79M€1.28M▼
Amounts receivable after more than one year29€161k€161k=
Other amounts receivable291€161k€161k=
Amounts receivable within one year40/41€25k€16k▼
Trade receivables40€25k€15k▼
Other amounts receivable41€528€1k▲
Current investments50/53€1.15M€939k▼
Cash at bank and in hand54/58€436k€158k▼
Deferred charges and accrued income490/1€18k€6k▼
Equity and liabilities
Total equity and liabilities10/49€3.61M€3.03M▼
Equity10/15€2.50M€2.82M▲
Contributions10/11€19k€19k=
Reserves13€2.48M€2.80M▲
Tax-exempt reserves132€125k€118k▼
Distributable reserves133€2.35M€2.68M▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€42k€39k▼
Deferred taxes168€42k€39k▼
Amounts payable17/49€1.07M€171k▼
Amounts payable within one year42/48€1.07M€170k▼
Trade debts44€22k€19k▼
Suppliers440/4€22k€19k▼
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48€1.04M€142k▼
Accrued charges and deferred income492/3€4k€106▼
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€138k▲
Other operating charges640/8€32k€19k▼
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€439k€457k▲
Operating profit (loss)9901€268k€299k▲
Financial income75/76B€257k€300k▲
Recurring financial income75€257k€300k▲
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Profit (loss) for the period before taxes9903€518k€586k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€119k€133k▲
Profit (loss) for the period9904€401k€456k▲
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€409k€463k▲
Appropriation of the result
Profit (loss) to be appropriated9906€409k€463k▲
Transfer from equity791/2€1.03M€136k▼
Transfer to equity691/2€409k€461k▲
To other reserves6921€409k€461k▲
Profit to be distributed694/7€1.03M€138k▼
Return on contributions (dividend)694€1.03M€138k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 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
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Liquidity quadruplescurrent ratio 7.51
Current ratio from 1.67 to 7.51; short-term debt falls from €1.07M to €170k.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2019net €1.19M ▲253%
Net result €1.19M, the highest in the series.
30-06
Financial
Liquidity times 5current ratio 5.95
Current ratio from 1.23 to 5.95; short-term debt falls from €1.01M to €189k.
30-06
Financial
Equity above €2MEq €2.86M ▲55.9%
4 profitable years in a row build equity to €2.86M.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €136k ▼86.8%
Net result drops to €136k, the lowest in the series; recovery starts the following year.
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
08-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Waregem · 1 establishment unit since 2003
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.
Dijkveld 148790 WaregemGround area
1,992 m²
Building footprint
519 m²
Volume, LiDAR
33 m³
Parcel 34452A0878/00P000, Flanders · tallest building 3.5 m. Linked by address, not a title deed.
1 establishment unit
LOJUMER
since 20032.135.521.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452A0878/00P000 | Flanders | 1,992 m² | 1 · 519 m² | 3.5 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
967600XJFZ5I7PIN5P94
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-12-2003
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.