JAEMA
ActiveSummary
JAEMA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€49,645) and a net result of -€28,574. Equity is shrinking by ~34% per year across the filed fiscal years. Its solvency ranks better than 14% of 578 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability1▲+1
Solvency1▼-15
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.48 against 0.48 in 2023; short-term debt: 121.8% and cash: 6.7% of total assets), and equity is negative.
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Signals
Five 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 2024Solvency, return and age of the figures
Solvency
-24%
Return on assets
-13.8%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€49,645
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
35 d late
2022
58 d late
2021
76 d late
2020
89 d late
2019
109 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 71 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€28,574▲ 18.9%
2023 · -€35,227
Working capital
-€130,306▼ 7.8%
2023 · -€120,918
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service 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
Line20202021202220232024
Operating result-€423▲ 73.6%-€7,588▼ 1,695%-€26,660▼ 251%-€38,362▼ 43.9%-€33,411▲ 12.9%
Net result€3,074within the sector's middle half▲ 73.7%-€4,510within the sector's middle half-€23,253below the sector's middle half▼ 416%-€35,227below the sector's middle half▼ 51.5%-€28,574below the sector's middle half▲ 18.9%
Equity€49,037within the sector's middle half▲ 2.7%€42,747within the sector's middle half▼ 12.8%€17,715within the sector's middle half▼ 58.6%-€19,292below the sector's middle half-€49,645below the sector's middle half▼ 157%
Total assets€136,092within the sector's middle half▲ 1.0%€116,711within the sector's middle half▼ 14.2%€211,437within the sector's middle half▲ 81.2%€212,235within the sector's middle half▲ 0.4%€206,792within the sector's middle half▼ 2.6%
Debt€87,055▲ 0.1%€73,964▼ 15.0%€193,723▲ 162%€231,526▲ 19.5%€256,436▲ 10.8%
Working capital€1,847within the sector's middle half€4,917within the sector's middle half▲ 166%-€87,739below the sector's middle half-€120,918below the sector's middle half▼ 37.8%-€130,306below the sector's middle half▼ 7.8%
Solvency36.0%within the sector's middle half▲ 0.6pp36.6%within the sector's middle half▲ 0.6pp8.4%within the sector's middle half▼ 28.2pp-9.1%below the sector's middle half▼ 17.5pp-24.0%below the sector's middle half▼ 14.9pp
Current ratio1.02within the sector's middle half▲ 0.081.07within the sector's middle half▲ 0.050.55below the sector's middle half▼ 0.520.48below the sector's middle half▼ 0.070.48below the sector's middle half▲ 0.01
Return on assets (ROA)2.3%within the sector's middle half▲ 0.9pp-3.9%below the sector's middle half▼ 6.1pp-11.0%below the sector's middle half▼ 7.1pp-16.6%below the sector's middle half▼ 5.6pp-13.8%below the sector's middle half▲ 2.8pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33,411 in 2024 against €38,362 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €206,792
Fixed assets
€85,150 ▼ 16.2%
Current assets
€121,642 ▲ 10.0%
Key figures and ratios
EBITDA
-€12,315▲
2023 · -€19,062
Cash flow
-€7,477▲
2023 · -€15,926
Quick ratio
0.48▲
2023 · 0.47
Debt to equity
-5.17▲
2023 · -12.00
Interest coverage
-9.12▲
2023 · -27.01
Debt ≤ 1 year
€251,947▲
2023 · €231,526
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% 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 497,662 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% | 1.7% |
| 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 75% 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 6,639 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,278 | €9,360 | €16,957 | €19,300 | €21,096 | ▲ 9.3% |
| Other operating charges640/8 | - | €348 | €603 | €384 | €387 | ▲ 0.8% |
| Gross operating margin9900 | €9,256 | €2,120 | -€9,099 | -€18,677 | -€11,927 | ▲ 36.1% |
| Operating profit (loss)9901 | -€423 | -€7,588 | -€26,660 | -€38,362 | -€33,411 | ▲ 12.9% |
| Financial income75/76B | - | €3,796 | €3,612 | €3,841 | €6,188 | ▲ 61.1% |
| Recurring financial income75 | €3,782 | €3,796 | €3,612 | €3,841 | €6,188 | ▲ 61.1% |
| Financial charges65/66B | - | €719 | €204 | €706 | €1,351 | ▲ 91.4% |
| Recurring financial charges65 | €285 | €719 | €204 | €706 | €1,351 | ▲ 91.4% |
| Profit (loss) for the period before taxes9903 | €3,074 | -€4,510 | -€23,253 | -€35,227 | -€28,574 | ▲ 18.9% |
| Profit (loss) for the period9904 | €3,074 | -€4,510 | -€23,253 | -€35,227 | -€28,574 | ▲ 18.9% |
| Profit (loss) for the period to be appropriated9905 | €3,074 | -€4,510 | -€23,253 | -€35,227 | -€28,574 | ▲ 18.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136,092 | €116,711 | €211,437 | €212,235 | €206,792 | ▼ 2.6% |
| Fixed assets21/28 | €47,190 | €37,830 | €105,453 | €101,626 | €85,150 | ▼ 16.2% |
| Intangible fixed assets21 | - | - | €71,522 | €63,647 | €55,772 | ▼ 12.4% |
| Tangible fixed assets22/27 | €47,190 | €37,830 | €33,931 | €37,979 | €29,378 | ▼ 22.6% |
| Plant, machinery and equipment23 | - | €37,830 | €33,931 | €37,979 | €29,378 | ▼ 22.6% |
| Current assets29/58 | €88,902 | €78,882 | €105,984 | €110,609 | €121,642 | ▲ 10.0% |
| Stocks and contracts in progress3 | €442 | €306 | €764 | €667 | €425 | ▼ 36.3% |
| Stocks30/36 | - | €306 | €764 | €667 | €425 | ▼ 36.3% |
| Amounts receivable within one year40/41 | €71,108 | €54,141 | €89,156 | €80,185 | €107,290 | ▲ 33.8% |
| Trade receivables40 | - | - | €28,591 | €2,607 | €3,086 | ▲ 18.4% |
| Other amounts receivable41 | - | €54,141 | €60,565 | €77,578 | €104,204 | ▲ 34.3% |
| Cash at bank and in hand54/58 | €17,272 | €24,352 | €12,591 | €28,083 | €13,831 | ▼ 50.8% |
| Deferred charges and accrued income490/1 | - | €82 | €3,473 | €1,673 | €95 | ▼ 94.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136,092 | €116,711 | €211,437 | €212,235 | €206,792 | ▼ 2.6% |
| Equity10/15 | €49,037 | €42,747 | €17,715 | -€19,292 | -€49,645 | ▼ 157% |
| Contributions10/11 | - | €29,747 | €29,747 | €29,747 | €29,747 | = |
| Reserves13 | €1,756 | €1,756 | €1,756 | €1,756 | €1,756 | = |
| Non-distributable reserves130/1 | - | €1,756 | €1,756 | - | - | - |
| Reserves not available under the articles1311 | - | €1,756 | €1,756 | - | - | - |
| Distributable reserves133 | - | - | - | €1,756 | €1,756 | = |
| Profit (loss) carried forward14 | €10,415 | €5,905 | -€17,348 | -€52,574 | -€81,148 | ▼ 54.3% |
| Investment grants15 | - | €5,338 | €3,559 | €1,779 | - | - |
| Amounts payable17/49 | €87,055 | €73,964 | €193,723 | €231,526 | €256,436 | ▲ 10.8% |
| Amounts payable within one year42/48 | €87,055 | €73,964 | €193,723 | €231,526 | €251,947 | ▲ 8.8% |
| Trade debts44 | €45,102 | €35,330 | €73,027 | €84,538 | €95,050 | ▲ 12.4% |
| Suppliers440/4 | - | €35,330 | €73,027 | €84,538 | €95,050 | ▲ 12.4% |
| Taxes, remuneration and social security45 | - | - | €3,250 | €861 | €4,839 | ▲ 462% |
| Taxes450/3 | - | - | €3,250 | €861 | €4,839 | ▲ 462% |
| Other amounts payable47/48 | - | €38,634 | €117,446 | €146,128 | €152,059 | ▲ 4.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | €4,489 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,074 | -€4,510 | -€23,253 | -€35,227 | -€28,574 | ▲ 18.9% |
| + Depreciation and write-downs630 | €9,278 | €9,360 | €16,957 | €19,300 | €21,096 | ▲ 9.3% |
| Operating cash flow (approximation) | €12,352 | €4,850 | -€6,295 | -€15,926 | -€7,477 | ▲ 53.1% |
| Investment in fixed assets (approximation) | - | €0 | -€84,581 | -€15,473 | -€4,620 | ▲ 70.1% |
| Change in cash | - | €7,080 | -€11,761 | €15,492 | -€14,253 | ▼ 192% |
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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 35 days late
2023
31-12
Financial
Weakest financial yearnet -€35,227
Net result drops to -€35,227, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 76 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €3,074 ▲73.7%
Operating result -€423, net result €3,074, both a record.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 109 days late
2019
31-12
Financial
Back to profitnet €1,769
Net result €1,769 after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 68 days late
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 165 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Brussel · 1 establishment unit since 2005
Ground area
1,326 m²
Building footprint
371 m²
Volume, LiDAR
3,899 m³
2 parcels, Brussels · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JAEMA
since 20052.237.781.090
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B0785/00B000 ProtectedMonumentGebouwen aan het Martelaarsplein alsook het Martelarenmonument |
Brussels | 1,168 m² | 1 · 213 m² | 17.1 m · 4 fl. |
| 21616A0183/00V050 | Brussels | 158 m² | 1 · 158 m² | 13.3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 998 companies in sector 96102 we hold annual accounts for 458. 321 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
Founded18-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
47540Retail sale of electrical household appliances
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472593896
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.