Checked.be
Active
BE 1008.167.916Private limited company
J.A.M.S.
Avenue des Combattants 175 ·1470 Genappe, Belgium· 2 yrs active
Sector: Groothandel in koffie, thee, cacao en specerijen
(46370)
Conclusion
The computed 12-month bankruptcy probability of J.A.M.S. is 3.0% (moderate). The 2024 annual accounts show equity of €4k and a net result of €-11k. Its solvency ranks better than 32% of 548 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €4k |
| Net result | €-11k |
| Better than sector | 32% |
| Active | 2 yrs |
Snowflake analysis
29
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
15
Profitability
0
Solvency
34
Growth
-
Stability
67
Bankruptcy probability (12 mo)
3.0%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
15
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 15.2% | 31.0% | |
| Net result | €-11k | €47k | |
| Equity | €4k | €469k | |
| Gross operating margin | €-9k | €125k | |
| Total assets | €26k | €1.81M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | €20k |
| EBITDA | €-9k |
| Net profit | €-11k |
| Cash flow | €-10k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €26k |
| Equity | €4k |
| Debt | €22k |
| of which ≤ 1y | €3k |
| of which > 1y | €18k |
| Working capital | €2k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.57 |
| Quick ratio | 0.22 |
| Working capital ratio | 6.2% |
| Solvency | 15.2% |
| Debt / equity | 5.60 |
| Long-term debt ratio | 4.64 |
| Interest coverage | -21.10 |
| Gross margin | -45.9% |
| Net margin | -56.4% |
| ROA | -43.0% |
| ROE | -283.9% |
| EBITDA margin | -46.5% |
| Days sales outstanding | 9d |
| Days payable outstanding | 4d |
| Inventory turnover | 7.50 |
| Days inventory (DSI) | 49d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €26k |
| Fixed assets | 21/28 | €21k |
| Tangible fixed assets | 22/27 | €21k |
| Financial fixed assets | 28 | €500 |
| Current assets | 29/58 | €4k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €469 |
| Cash & bank | 54/58 | €161 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €26k |
| Equity | 10/15 | €4k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €-11k |
| Amounts payable | 17/49 | €22k |
| Amounts payable after one year | 17 | €18k |
| Amounts payable within one year | 42/48 | €3k |
| Trade debts payable within one year | 44 | €306 |
| Income statement | ||
| Turnover | 70 | €20k |
| Gross operating margin | 9900 | €-9k |
| Operating result | 9901 | €-11k |
| Financial charges | 65 | €433 |
| Result before taxes | 9903 | €-11k |
| Net result for the period | 9904 | €-11k |
| Result to be appropriated | 9905 | €-11k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Groothandel in koffie, thee, cacao en specerijen(46370) |
| Legal form | Private limited company(610) |
| Incorporation | 09-04-2024 |
| Status | Active |
| Postal code | 1470 |
Establishment units
J.A.M.S.
since 20242.358.782.058
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25013C0119/00N002 | Wallonia | 2,318 m² | 1 · 983 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
30-09-2025
NBB filing
Annual accounts filed
Credit advice
Company registry (CBE)
Activities
Groothandel in koffie, thee, cacao en specerijen46370Groothandel in koffie, thee, cacao en specerijen46370
Primary activity highlighted.
Names & trade names
| Legal nameFR | J.A.M.S. |
Registered office
Avenue des Combattants 175
1470 Genappe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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