Summary
MANAGEMENT JUMAPA 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 €458k and a net result of €80k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 5527 sector peers (fiscal year 2025). The company has been active since 2012 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
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 28-08-2026, 28 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
28 d late
2024
61 d late
2023
30 d late
2022
32 d late
2021
2 d early
2020
31 d late
2019
59 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
Equity
€458k▲ 21.3%
2024 · €378k
2018: €124k
2019: €177k
2020: €198k
2021: €231k
2022: €282k
2023: €320k
2024: €378k
2018 → 2025
Net result
€80k▲ 39.6%
2024 · €58k
2018: €32k
2019: €52k
2020: €21k
2021: €64k
2022: €51k
2023: €38k
2024: €58k
2018 → 2025
Total assets
€1.04M▲ 7.3%
2024 · €966k
2018: €339k
2019: €387k
2020: €741k
2021: €853k
2022: €949k
2023: €975k
2024: €966k
2018 → 2025
Solvency
44.2%▲ 5.1pp
2024 · 39.1%
2018: 36.7%
2019: 45.6%
2020: 26.7%
2021: 27.1%
2022: 29.8%
2023: 32.8%
2024: 39.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€282k▲ 22.2%€320k▲ 13.3%€378k▲ 18.0%€458k▲ 21.3%
Operating result€95k-€81k▼ 14.6%€64k▼ 20.6%€89k▲ 38.9%€127k▲ 42.5%
Net result€64k-€51k▼ 19.8%€38k▼ 26.8%€58k▲ 53.6%€80k▲ 39.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€759k ▼ 3.5%
Current assets
€279k ▲ 54.6%
Equity and liabilities €1.04M
Equity
€458k ▲ 21.3%
Debt
€579k ▼ 1.6%
Debt's share of the balance-sheet total falls from 60.9% to 55.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.6%▲
2024 · 15.3%
ROA
7.8%▲
2024 · 6.0%
Debt ≤ 1 year
€328k▲
2024 · €289k
Debt > 1 year
€251k▼
2024 · €300k
Income taxes
€33k▲
2024 · €24k
Staff costs
€67k▲
2024 · €67k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€966k€1.04M▲
Fixed assets21/28€786k€759k▼
Tangible fixed assets22/27€481k€454k▼
Land and buildings22€479k€454k▼
Furniture and vehicles24€2k€0▼
Financial fixed assets28€305k€305k=
Current assets29/58€180k€279k▲
Amounts receivable within one year40/41€161k€266k▲
Trade receivables40€146k€216k▲
Other amounts receivable41€15k€50k▲
Cash at bank and in hand54/58€19k€12k▼
Deferred charges and accrued income490/1€901€809▼
Equity and liabilities
Total equity and liabilities10/49€966k€1.04M▲
Equity10/15€378k€458k▲
Contributions10/11€6k€6k=
Reserves13€371k€452k▲
Distributable reserves133€371k€452k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€589k€579k▼
Amounts payable after more than one year17€300k€251k▼
Financial debts170/4€300k€251k▼
Amounts payable within one year42/48€289k€328k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€38k€34k▼
Taxes450/3€26k€22k▼
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€190k€237k▲
Income statement
Code20242025
Remuneration, social security and pensions62€67k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€28k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€190k€225k▲
Operating profit (loss)9901€89k€127k▲
Financial income75/76B€367€2k▲
Recurring financial income75€367€2k▲
Financial charges65/66B€8k€16k▲
Recurring financial charges65€8k€16k▲
Profit (loss) for the period before taxes9903€82k€113k▲
Income taxes67/77€24k€33k▲
Profit (loss) for the period9904€58k€80k▲
Profit (loss) for the period to be appropriated9905€58k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€80k▲
Profit (loss) brought forward from the previous period14P€1k€0▼
Transfer to equity691/2€59k€80k▲
To other reserves6921€59k€80k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (19 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €80k ▲39.6%
Operating result €127k, net result €80k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €231k ▲16.9%
4 profitable years in a row build equity to €231k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €21k ▼59.5%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
31-12
Financial
Equity above €150kEq €177k ▲42%
2 profitable years in a row build equity to €177k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
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, Hoegaarden · 1 establishment unit since 2012
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.
Tiensestraat 483320 HoegaardenGround area
679 m²
Building footprint
295 m²
Volume, LiDAR
1,872 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Management Jumapa
since 20122.212.752.716
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24041D0265/00R000 | Flanders | 491 m² | 1 · 111 m² | 10.2 m · 1 fl. |
| 24041D0130/00C000 | Flanders | 187 m² | 1 · 184 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
FOVAN
BE 0462.301.406
Wervik · Eq €458,063
HERKUUL
BE 0787.627.924
Oudenaarde · Eq €457,997
IMMO SCHOCK
BE 0480.109.814
Dendermonde · Eq €458,124
L.S.-CONSULTING & INSURANCE
BE 0477.901.281
Wingene · Eq €458,312
DD CONSULT & TRADE
BE 0562.928.612
Kortrijk · Eq €458,359
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,663 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
Founded16-08-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
64210Activities of holding companies
63920Other information service activities
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.