IJAM
ActiveSummary
The annual accounts of IJAM for fiscal year 2025 show a net loss of 68% of total assets and of 70% of the equity at the start of that year. The 2025 annual accounts show equity of €11,739 and a net result of -€27,543. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 2604 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency54▼-45
Growth60=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.36 against 3.88 in 2024; short-term debt: 71.1% and cash: 20.6% of total assets), and 71.1% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.9%
Return on assets
-67.7%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€27,543
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
25 d late
2023
23 d early
2022
18 d early
2021
4 d early
2020
30 d late
2019
14 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 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€168,960▲ 72.9%
2020 · €97,732
EBIT margin
26.2%▲ 43.9pp
2020 · -17.7%
Net result
-€27,543▲ 21.8%
2024 · -€35,220
Working capital
€10,504▼ 73.3%
2024 · €39,282
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
Turnover€168,960▲ 72.9%
Operating result€44,280€36,948▼ 16.6%€14,187▼ 61.6%-€34,847-€27,209▲ 21.9%
Net result€43,436above the sector's middle half€26,985above the sector's middle half▼ 37.9%€10,347within the sector's middle half▼ 61.7%-€35,220below the sector's middle half-€27,543below the sector's middle half▲ 21.8%
EBIT margin26.2%▲ 43.9pp
Equity€37,170within the sector's middle half€64,155within the sector's middle half▲ 72.6%€74,502within the sector's middle half▲ 16.1%€39,282within the sector's middle half▼ 47.3%€11,739within the sector's middle half▼ 70.1%
Total assets€100,372within the sector's middle half▲ 101%€182,595within the sector's middle half▲ 81.9%€86,113within the sector's middle half▼ 52.8%€52,907within the sector's middle half▼ 38.6%€40,688below the sector's middle half▼ 23.1%
Debt€63,202▲ 12.5%€118,440▲ 87.4%€11,611▼ 90.2%€13,625▲ 17.3%€28,949▲ 112%
Working capital€37,170within the sector's middle half€64,155within the sector's middle half▲ 72.6%€74,502within the sector's middle half▲ 16.1%€39,282within the sector's middle half▼ 47.3%€10,504within the sector's middle half▼ 73.3%
Solvency37.0%within the sector's middle half▲ 49.6pp35.1%within the sector's middle half▼ 1.9pp86.5%above the sector's middle half▲ 51.4pp74.2%above the sector's middle half▼ 12.3pp28.9%within the sector's middle half▼ 45.4pp
Current ratio1.59within the sector's middle half▲ 0.701.54within the sector's middle half▼ 0.057.42above the sector's middle half▲ 5.873.88above the sector's middle half▼ 3.531.36within the sector's middle half▼ 2.52
Return on assets (ROA)43.3%above the sector's middle half▲ 78.0pp14.8%above the sector's middle half▼ 28.5pp12.0%within the sector's middle half▼ 2.8pp-66.6%below the sector's middle half▼ 78.6pp-67.7%below the sector's middle half▼ 1.1pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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 stays negative: a loss of €27,209 in 2025 against €34,847 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40,688
Fixed assets
€1,235
Current assets
€39,453
Equity and liabilities €40,688
Equity
€11,739 ▼ 70.1%
Debt
€28,949 ▲ 112%
Debt's share of the balance-sheet total rises from 25.8% to 71.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€27,159
Cash flow
-€27,493
Quick ratio
0.50▼
2024 · 1.13
Debt to equity
2.47▲
2024 · 0.35
ROE
-234.6%▼
2024 · -89.7%
Interest coverage
-81.33
Debt ≤ 1 year
€28,949▲
2024 · €13,625
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,294 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 1,294 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €168,960 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €124,887 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €50 | - |
| Other operating charges640/8 | €233 | €859 | €2,010 | €1,278 | €1,436 | ▲ 12.4% |
| Gross operating margin9900 | €44,513 | €37,807 | €16,197 | -€33,569 | -€25,723 | ▲ 23.4% |
| Operating profit (loss)9901 | €44,280 | €36,948 | €14,187 | -€34,847 | -€27,209 | ▲ 21.9% |
| Financial income75/76B | €0 | €9 | €501 | €1 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €9 | €501 | €1 | €0 | ▼ 100% |
| Financial charges65/66B | €76 | €361 | €363 | €374 | €334 | ▼ 10.7% |
| Recurring financial charges65 | €76 | €361 | €363 | €374 | €334 | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €44,205 | €36,596 | €14,326 | -€35,220 | -€27,543 | ▲ 21.8% |
| Income taxes67/77 | €768 | €9,611 | €3,979 | €0 | - | - |
| Profit (loss) for the period9904 | €43,436 | €26,985 | €10,347 | -€35,220 | -€27,543 | ▲ 21.8% |
| Profit (loss) for the period to be appropriated9905 | €43,436 | €26,985 | €10,347 | -€35,220 | -€27,543 | ▲ 21.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €100,372 | €182,595 | €86,113 | €52,907 | €40,688 | ▼ 23.1% |
| Fixed assets21/28 | - | - | - | - | €1,235 | - |
| Tangible fixed assets22/27 | - | - | - | - | €1,235 | - |
| Plant, machinery and equipment23 | - | - | - | - | €1,235 | - |
| Current assets29/58 | €100,372 | €182,595 | €86,113 | €52,907 | €39,453 | ▼ 25.4% |
| Stocks and contracts in progress3 | €11,900 | €28,600 | €65,069 | €37,570 | €25,000 | ▼ 33.5% |
| Stocks30/36 | €11,900 | €28,600 | €65,069 | €37,570 | €25,000 | ▼ 33.5% |
| Amounts receivable within one year40/41 | €6,432 | €3,800 | €3,469 | €3,000 | €6,000 | ▲ 100% |
| Trade receivables40 | €4,201 | €3,800 | €1,481 | €0 | - | - |
| Other amounts receivable41 | €2,232 | €0 | €1,988 | €3,000 | €6,000 | ▲ 100% |
| Cash at bank and in hand54/58 | €81,963 | €150,117 | €17,496 | €12,337 | €8,370 | ▼ 32.2% |
| Deferred charges and accrued income490/1 | €77 | €78 | €80 | €0 | €83 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €100,372 | €182,595 | €86,113 | €52,907 | €40,688 | ▼ 23.1% |
| Equity10/15 | €37,170 | €64,155 | €74,502 | €39,282 | €11,739 | ▼ 70.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €994 | €994 | €994 | €994 | €994 | = |
| Non-distributable reserves130/1 | €994 | €994 | €994 | €0 | €994 | - |
| Reserves not available under the articles1311 | €994 | €994 | €994 | €0 | €994 | - |
| Distributable reserves133 | - | - | - | €994 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €17,576 | €44,561 | €54,908 | €19,688 | -€7,855 | ▼ 140% |
| Amounts payable17/49 | €63,202 | €118,440 | €11,611 | €13,625 | €28,949 | ▲ 112% |
| Amounts payable within one year42/48 | €63,202 | €118,440 | €11,611 | €13,625 | €28,949 | ▲ 112% |
| Trade debts44 | €184 | €3,136 | €1,017 | €0 | €460 | - |
| Suppliers440/4 | €184 | €3,136 | €1,017 | €0 | €460 | - |
| Advances received on contracts in progress46 | - | €8,045 | €5,050 | €0 | - | - |
| Taxes, remuneration and social security45 | €4,840 | €49,894 | €979 | €5,301 | €1,282 | ▼ 75.8% |
| Taxes450/3 | €4,840 | €13,894 | €979 | €5,301 | €1,282 | ▼ 75.8% |
| Remuneration and social security454/9 | - | €36,000 | €0 | - | - | - |
| Other amounts payable47/48 | €58,178 | €57,365 | €4,565 | €8,323 | €27,207 | ▲ 227% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,436 | €26,985 | €10,347 | -€35,220 | -€27,543 | ▲ 21.8% |
| + Depreciation and write-downs630 | - | - | - | - | €50 | - |
| Operating cash flow (approximation) | €43,436 | €26,985 | €10,347 | -€35,220 | -€27,493 | ▲ 21.9% |
| Change in cash | - | €68,154 | -€132,621 | -€5,159 | -€3,967 | ▲ 23.1% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet -€35,220
Net result drops to -€35,220, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 7.42
Current ratio from 1.54 to 7.42; short-term debt falls from €118,440 to €11,611.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €43,436
Net result €43,436 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Back to profitnet €805
Net result €805 after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Sint-Jans-Molenbeek · 2 establishment units since 2010
Ground area
1,590 m²
Building footprint
818 m²
Volume, LiDAR
697 m³
2 parcels, Brussels, Flanders · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
IJAM sprl
since 20102.187.845.193
IJAM sprl
since 20182.277.296.813
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095C0089/00D012 | Flanders | 1,481 m² | 1 · 730 m² | - |
| 21526D0295/00G002 | Brussels | 109 m² | 1 · 88 m² | 17.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,205 companies in sector 95316 we hold annual accounts for 754. 483 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
Founded02-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
95319Other maintenance and repair of motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0824642926
Registered
31-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.