J.A.M.
ActiveThe computed 12-month bankruptcy probability of J.A.M. is 2.1% (moderate). The 2024 annual accounts show equity of €106k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 82% of 18939 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▼-11
Solvency92▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.57 in 2023; short-term debt: 33.1% and cash: 7.4% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €106k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
5 d late
2022
29 d late
2021
31 d late
2020
73 d late
2019
24 d late
← before the deadline
after the deadline →
Name match with a sanctions list
1 entryJ M A
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2024, micro schema
Equity
€106k▲ 31.7%
2023 · €81k
2018: €29k
2019: €32k
2020: €22k
2021: €14k
2022: €20k
2023: €81k
2018 → 2024
Total assets
€159k▲ 28.3%
2023 · €124k
2018: €110k
2019: €101k
2020: €89k
2021: €90k
2022: €94k
2023: €124k
2018 → 2024
Net result
€26k▼ 57.9%
2023 · €61k
2018: €11k
2019: €3k
2020: €-11k
2021: €-7k
2022: €6k
2023: €61k
2018 → 2024
Working capital
€30k▲ 24.4%
2023 · €24k
2018: €-65k
2019: €-55k
2020: €-60k
2021: €-52k
2022: €-32k
2023: €24k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€22k-€14k▼ 33.3%€20k▲ 38.2%€81k▲ 305%€106k▲ 31.7%
Operating result€-11k-€-7k▲ 34.6%€6k€68k▲ 1,040%€37k▼ 44.9%
Net result€-11k-€-7k▲ 33.7%€6k€61k▲ 1,001%€26k▼ 57.9%
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 2024; 2024 is 45% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €159k
Fixed assets
€76k▲ 34.8%
Current assets
€83k▲ 23.0%
Equity and liabilities €159k
Equity
€106k▲ 31.7%
Debt
€53k▲ 22.1%
The debt ratio falls from 34.8% to 33.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▼
2023 · €84k
Cash flow
€40k▼
2023 · €77k
Solvency
66.9%▲
2023 · 65.2%
Current ratio
1.58▲
2023 · 1.57
Quick ratio
1.04▲
2023 · 0.88
Debt / equity
0.50▼
2023 · 0.53
ROE
24.1%▼
2023 · 75.3%
ROA
16.1%▼
2023 · 49.1%
Interest coverage
24.65▼
2023 · 65.64
Debt
€53k▲
2023 · €43k
Debt ≤ 1 year
€53k▲
2023 · €43k
Income taxes
€10k▲
2023 · €6k
Staff costs
€32k▲
2023 · €12k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€124k€159k▲
Fixed assets21/28€56k€76k▲
Intangible fixed assets21€21k€16k▼
Tangible fixed assets22/27€32k€54k▲
Plant, machinery and equipment23€23k€28k▲
Furniture and vehicles24€5k€22k▲
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€4k€7k▲
Current assets29/58€68k€83k▲
Stocks and contracts in progress3€30k€28k▼
Stocks30/36€30k€28k▼
Amounts receivable within one year40/41€13k€43k▲
Trade receivables40€6k€31k▲
Other amounts receivable41€7k€12k▲
Cash at bank and in hand54/58€24k€12k▼
Deferred charges and accrued income490/1€691€37▼
Equity and liabilities
Total equity and liabilities10/49€124k€159k▲
Equity10/15€81k€106k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€695€695=
Non-distributable reserves130/1€695€695=
Reserves not available under the articles1311€695€695=
Profit (loss) carried forward14€61k€87k▲
Amounts payable17/49€43k€53k▲
Amounts payable within one year42/48€43k€53k▲
Trade debts44€6k€13k▲
Suppliers440/4€6k€13k▲
Taxes, remuneration and social security45€18k€30k▲
Taxes450/3€15k€27k▲
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€20k€10k▼
Income statement
Code20232024
Non-recurring operating income76A€4-
Remuneration, social security and pensions62€12k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€14k▼
Other operating charges640/8€7k€4k▼
Gross operating margin9900€103k€87k▼
Operating profit (loss)9901€68k€37k▼
Financial income75/76B-€48
Recurring financial income75-€48
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€66k€35k▼
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€61k€26k▼
Profit (loss) for the period to be appropriated9905€61k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€87k▲
Profit (loss) brought forward from the previous period14P€651€61k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Equity above €100kEq €106k ▲31.7%
3 profitable years in a row build equity to €106k.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Highest result since 2018net €61k ▲1001%
Operating result €68k, net result €61k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.57
Current ratio from 0.56 to 1.57; short-term debt falls from €74k to €43k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
31-12
Financial
Weakest financial yearnet €-11k ▼421%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Mons · 1 establishment unit since 2018
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.
Cour de l'Ane Barré 37000 MonsGround area
124 m²
Building footprint
77 m²
Volume, LiDAR
735 m³
Parcel 53403G0398/00D000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J.A.M.
since 20182.272.287.059
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403G0398/00D000 | Wallonia | 124 m² | 1 · 77 m² | 11.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.272.287.059
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2018
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.