DANY JAMAR
ActiveSummary
DANY JAMAR has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194,916 and a net result of €10,296. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 28184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 21.97 against 5.85 in 2024; short-term debt: 3.5% and cash: 15.5% of total assets), and 3.5% of the assets are financed with debt.
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Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
96.5%
Return on assets
5.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
20 d early
2023
23 d early
2022
11 d early
2021
31 d late
2020
30 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€194,916▲ 5.6%
2024 · €184,620
Total assets
€202,046▼ 4.1%
2024 · €210,709
Net result
€10,296▼ 29.1%
2024 · €14,521
Working capital
€149,491▲ 18.2%
2024 · €126,486
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,458▼ 90.6%€40,686▲ 1,076%€16,307▼ 59.9%€22,153▲ 35.9%€15,834▼ 28.5%
Net result€1,317within the sector's middle half▼ 94.4%€26,063within the sector's middle half▲ 1,879%€11,001within the sector's middle half▼ 57.8%€14,521within the sector's middle half▲ 32.0%€10,296within the sector's middle half▼ 29.1%
Equity€144,567above the sector's middle half▲ 0.9%€170,630above the sector's middle half▲ 18.0%€181,631above the sector's middle half▲ 6.4%€184,620above the sector's middle half▲ 1.6%€194,916above the sector's middle half▲ 5.6%
Total assets€225,075within the sector's middle half▲ 2.7%€230,417within the sector's middle half▲ 2.4%€226,124within the sector's middle half▼ 1.9%€210,709within the sector's middle half▼ 6.8%€202,046within the sector's middle half▼ 4.1%
Debt€80,508▲ 5.9%€59,787▼ 25.7%€44,493▼ 25.6%€26,089▼ 41.4%€7,130▼ 72.7%
Working capital€98,605▼ 7.9%€109,780▲ 11.3%€114,493▲ 4.3%€126,486▲ 10.5%€149,491▲ 18.2%
Solvency64.2%within the sector's middle half▼ 1.1pp74.1%above the sector's middle half▲ 9.8pp80.3%above the sector's middle half▲ 6.3pp87.6%above the sector's middle half▲ 7.3pp96.5%above the sector's middle half▲ 8.9pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202,046
Fixed assets
€45,425 ▼ 21.9%
Current assets
€156,621 ▲ 2.7%
Equity and liabilities €202,046
Equity
€194,916 ▲ 5.6%
Debt
€7,130 ▼ 72.7%
Debt's share of the balance-sheet total falls from 12.4% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34,185▼
2024 · €41,265
Cash flow
€28,648▼
2024 · €33,633
Current ratio
21.97▲
2024 · 5.85
Quick ratio
21.89▲
2024 · 5.83
Debt to equity
0.04▼
2024 · 0.14
ROE
5.3%▼
2024 · 7.9%
ROA
5.1%▼
2024 · 6.9%
Interest coverage
23.41▲
2024 · 18.72
Debt ≤ 1 year
€7,130▼
2024 · €26,089
Income taxes
€4,117▼
2024 · €5,499
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,235 | €13,960 | €18,055 | €19,112 | €18,351 | ▼ 4.0% |
| Other operating charges640/8 | €4,388 | €3,059 | €7,587 | €8,136 | €6,310 | ▼ 22.4% |
| Gross operating margin9900 | €18,081 | €57,704 | €41,948 | €49,401 | €40,496 | ▼ 18.0% |
| Operating profit (loss)9901 | €3,458 | €40,686 | €16,307 | €22,153 | €15,834 | ▼ 28.5% |
| Financial income75/76B | €558 | €299 | €37 | €71 | €40 | ▼ 43.6% |
| Recurring financial income75 | €558 | €299 | €37 | €71 | €40 | ▼ 43.6% |
| Financial charges65/66B | €2,223 | €1,801 | €1,166 | €2,205 | €1,460 | ▼ 33.8% |
| Recurring financial charges65 | €2,223 | €1,801 | €1,166 | €2,205 | €1,460 | ▼ 33.8% |
| Profit (loss) for the period before taxes9903 | €1,793 | €39,184 | €15,178 | €20,019 | €14,414 | ▼ 28.0% |
| Income taxes67/77 | €476 | €13,122 | €4,178 | €5,499 | €4,117 | ▼ 25.1% |
| Profit (loss) for the period9904 | €1,317 | €26,063 | €11,001 | €14,521 | €10,296 | ▼ 29.1% |
| Profit (loss) for the period to be appropriated9905 | €1,317 | €26,063 | €11,001 | €14,521 | €10,296 | ▼ 29.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €225,075 | €230,417 | €226,124 | €210,709 | €202,046 | ▼ 4.1% |
| Fixed assets21/28 | €68,895 | €76,082 | €74,246 | €58,134 | €45,425 | ▼ 21.9% |
| Tangible fixed assets22/27 | €68,895 | €76,082 | €74,246 | €58,134 | €45,425 | ▼ 21.9% |
| Land and buildings22 | €51,639 | €60,176 | €54,580 | €46,110 | €36,695 | ▼ 20.4% |
| Plant, machinery and equipment23 | €5,880 | €3,711 | €4,352 | €2,034 | €684 | ▼ 66.4% |
| Furniture and vehicles24 | €5,476 | €7,965 | €11,922 | €7,530 | €6,519 | ▼ 13.4% |
| Other tangible fixed assets26 | €5,901 | €4,230 | €3,393 | €2,460 | €1,527 | ▼ 37.9% |
| Current assets29/58 | €156,180 | €154,334 | €151,877 | €152,575 | €156,621 | ▲ 2.7% |
| Stocks and contracts in progress3 | €550 | €550 | €550 | €550 | €550 | = |
| Stocks30/36 | €550 | €550 | €550 | €550 | €550 | = |
| Amounts receivable within one year40/41 | €16,201 | €6,230 | €6,049 | €13,775 | €21,389 | ▲ 55.3% |
| Trade receivables40 | €7,585 | €1,121 | €1,121 | €8,800 | €20,170 | ▲ 129% |
| Other amounts receivable41 | €8,616 | €5,109 | €4,928 | €4,975 | €1,219 | ▼ 75.5% |
| Current investments50/53 | - | - | - | €99,000 | €99,000 | = |
| Cash at bank and in hand54/58 | €136,718 | €145,061 | €141,674 | €35,015 | €31,229 | ▼ 10.8% |
| Deferred charges and accrued income490/1 | €2,711 | €2,493 | €3,604 | €4,235 | €4,454 | ▲ 5.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €225,075 | €230,417 | €226,124 | €210,709 | €202,046 | ▼ 4.1% |
| Equity10/15 | €144,567 | €170,630 | €181,631 | €184,620 | €194,916 | ▲ 5.6% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €62,685 | €88,748 | €99,749 | €102,738 | €113,034 | ▲ 10.0% |
| Non-distributable reserves130/1 | €620 | €620 | - | - | - | - |
| Reserves not available under the articles1311 | €620 | €620 | - | - | - | - |
| Tax-exempt reserves132 | €24,442 | €24,442 | €24,442 | €24,442 | €24,442 | = |
| Distributable reserves133 | €37,623 | €63,686 | €75,307 | €78,296 | €88,592 | ▲ 13.2% |
| Profit (loss) carried forward14 | €75,682 | €75,682 | €75,682 | €75,682 | €75,682 | = |
| Amounts payable17/49 | €80,508 | €59,787 | €44,493 | €26,089 | €7,130 | ▼ 72.7% |
| Amounts payable after more than one year17 | €22,932 | €15,232 | €7,109 | - | - | - |
| Financial debts170/4 | €22,932 | €15,232 | €7,109 | - | - | - |
| Amounts payable within one year42/48 | €57,575 | €44,555 | €37,384 | €26,089 | €7,130 | ▼ 72.7% |
| Current portion of amounts payable after more than one year42 | €7,300 | €7,701 | €8,123 | €7,109 | - | - |
| Trade debts44 | €17,765 | €4,636 | €9,978 | €2,290 | €1,997 | ▼ 12.8% |
| Suppliers440/4 | €17,765 | €4,636 | €9,978 | €2,290 | €1,997 | ▼ 12.8% |
| Taxes, remuneration and social security45 | €12,359 | €9,922 | €9,922 | €1,975 | €2,516 | ▲ 27.4% |
| Taxes450/3 | €12,359 | €9,922 | €9,922 | €1,975 | €2,516 | ▲ 27.4% |
| Other amounts payable47/48 | €20,152 | €22,297 | €9,362 | €14,715 | €2,617 | ▼ 82.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,317 | €26,063 | €11,001 | €14,521 | €10,296 | ▼ 29.1% |
| + Depreciation and write-downs630 | €10,235 | €13,960 | €18,055 | €19,112 | €18,351 | ▼ 4.0% |
| Operating cash flow (approximation) | €11,552 | €40,023 | €29,056 | €33,633 | €28,648 | ▼ 14.8% |
| Investment in fixed assets (approximation) | - | -€21,148 | -€16,219 | -€3,000 | -€5,643 | ▼ 88.1% |
| Change in cash | - | €8,343 | -€3,387 | -€106,659 | -€3,787 | ▲ 96.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 21.97
Current ratio from 5.85 to 21.97; short-term debt falls from €26,089 to €7,130.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €26,063 ▲1,879%
Operating result €40,686, net result €26,063, both a record.
31-12
Financial
Equity above €150,000Eq €170,630 ▲18%
5 profitable years in a row build equity to €170,630.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waimes · 1 establishment unit since 2002
Ground area
2,174 m²
Building footprint
240 m²
Volume, LiDAR
1,210 m³
Parcel 63552C0042/00E000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Charmilles,Ovifat 56, 4950 Waimes
since 20022.093.404.312
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63552C0042/00E000 | Wallonia | 2,174 m² | 1 · 240 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 20,025 companies in sector 43320 we hold annual accounts for 9,134. 7,438 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded06-09-2001
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43211General electrical installation work
43331Floor and wall tiling
43410Roofing work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475484201
Registered
25-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.