JAJAMA
ActiveSummary
The computed 12-month bankruptcy probability of JAJAMA is 3.2% (moderate). The 2025 annual accounts show equity of €23,480 and a net result of €1,104. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 47% of 4709 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability47▼-2
Solvency60▼-14
Growth32=
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 3.08 against 1.39 in 2024; short-term debt: 27.1% and cash: 5.8% of total assets), but 64.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
35.3%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
20 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 25 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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 26 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€23,480▼ 2.5%
2024 · €24,093
Total assets
€66,471▲ 34.6%
2024 · €49,373
Net result
€1,104
2024 · -€504
Working capital
€37,459▲ 306%
2024 · €9,221
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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
Line202320242025
Operating result€27,727-€3,065▼ 88.9%€5,984▲ 95.2%
Net result€21,097within the sector's middle half--€504within the sector's middle half€1,104within the sector's middle half
Equity€24,597within the sector's middle half-€24,093within the sector's middle half▼ 2.0%€23,480within the sector's middle half▼ 2.5%
Total assets€43,389within the sector's middle half-€49,373within the sector's middle half▲ 13.8%€66,471within the sector's middle half▲ 34.6%
Debt€18,792-€25,280▲ 34.5%€42,992▲ 70.1%
Working capital€941within the sector's middle half-€9,221within the sector's middle half▲ 880%€37,459within the sector's middle half▲ 306%
Solvency56.7%within the sector's middle half-48.8%within the sector's middle half▼ 7.9pp35.3%within the sector's middle half▼ 13.5pp
Current ratio1.05within the sector's middle half-1.39within the sector's middle half▲ 0.343.08above the sector's middle half▲ 1.69
Return on assets (ROA)48.6%above the sector's middle half--1.0%within the sector's middle half▼ 49.6pp1.7%within the sector's middle half▲ 2.7pp
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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 recovers in 2025; 2025 is 95% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66,471
Fixed assets
€11,021 ▼ 33.0%
Current assets
€55,450 ▲ 68.4%
Equity and liabilities €66,471
Equity
€23,480 ▼ 2.5%
Debt
€42,992 ▲ 70.1%
Debt's share of the balance-sheet total rises from 51.2% to 64.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€11,417▲
2024 · €10,267
Cash flow
€6,537▼
2024 · €6,698
Debt to equity
1.83▲
2024 · 1.05
ROE
4.7%▲
2024 · -2.1%
Interest coverage
3.10▼
2024 · 3.76
Debt ≤ 1 year
€17,992▼
2024 · €23,699
Debt > 1 year
€25,000
Income taxes
€1,707▲
2024 · €835
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,549 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
1.8%
went bankrupt
3.1%
stopped otherwise
94%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 2,549 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €12,064 | €15,549 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,884 | €7,202 | €5,433 | ▼ 24.6% |
| Other operating charges640/8 | €732 | €638 | €713 | ▲ 11.7% |
| Gross operating margin9900 | €43,406 | €26,454 | €12,130 | ▼ 54.1% |
| Operating profit (loss)9901 | €27,727 | €3,065 | €5,984 | ▲ 95.2% |
| Financial income75/76B | €7 | €0 | €510 | ▲ 1,019,240% |
| Recurring financial income75 | €7 | €0 | €510 | ▲ 1,019,240% |
| Financial charges65/66B | €847 | €2,733 | €3,682 | ▲ 34.7% |
| Recurring financial charges65 | €847 | €2,733 | €3,682 | ▲ 34.7% |
| Profit (loss) for the period before taxes9903 | €26,887 | €332 | €2,811 | ▲ 748% |
| Income taxes67/77 | €5,789 | €835 | €1,707 | ▲ 104% |
| Profit (loss) for the period9904 | €21,097 | -€504 | €1,104 | ▲ 319% |
| Profit (loss) for the period to be appropriated9905 | €21,097 | -€504 | €1,104 | ▲ 319% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €43,389 | €49,373 | €66,471 | ▲ 34.6% |
| Fixed assets21/28 | €23,656 | €16,454 | €11,021 | ▼ 33.0% |
| Tangible fixed assets22/27 | €17,331 | €10,129 | €4,696 | ▼ 53.6% |
| Plant, machinery and equipment23 | €7,380 | €4,840 | €3,010 | ▼ 37.8% |
| Furniture and vehicles24 | €9,952 | €5,289 | €1,687 | ▼ 68.1% |
| Financial fixed assets28 | €6,325 | €6,325 | €6,325 | = |
| Current assets29/58 | €19,733 | €32,919 | €55,450 | ▲ 68.4% |
| Amounts receivable within one year40/41 | €16,730 | €30,807 | €51,622 | ▲ 67.6% |
| Trade receivables40 | €9,829 | €7,992 | €979 | ▼ 87.8% |
| Other amounts receivable41 | €6,901 | €22,815 | €50,643 | ▲ 122% |
| Cash at bank and in hand54/58 | €3,003 | €2,112 | €3,829 | ▲ 81.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €43,389 | €49,373 | €66,471 | ▲ 34.6% |
| Equity10/15 | €24,597 | €24,093 | €23,480 | ▼ 2.5% |
| Contributions10/11 | €3,500 | €3,500 | €3,500 | = |
| Reserves13 | €21,097 | €20,593 | €19,980 | ▼ 3.0% |
| Distributable reserves133 | €21,097 | €20,593 | €19,980 | ▼ 3.0% |
| Amounts payable17/49 | €18,792 | €25,280 | €42,992 | ▲ 70.1% |
| Amounts payable after more than one year17 | - | - | €25,000 | - |
| Financial debts170/4 | - | - | €25,000 | - |
| Amounts payable within one year42/48 | €18,792 | €23,699 | €17,992 | ▼ 24.1% |
| Trade debts44 | €478 | €15,059 | €7,324 | ▼ 51.4% |
| Suppliers440/4 | €478 | €15,059 | €7,324 | ▼ 51.4% |
| Taxes, remuneration and social security45 | €18,314 | €8,640 | €10,667 | ▲ 23.5% |
| Taxes450/3 | €17,316 | €8,139 | €10,667 | ▲ 31.1% |
| Remuneration and social security454/9 | €998 | €501 | - | - |
| Accrued charges and deferred income492/3 | - | €1,581 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,097 | -€504 | €1,104 | ▲ 319% |
| + Depreciation and write-downs630 | €2,884 | €7,202 | €5,433 | ▼ 24.6% |
| Operating cash flow (approximation) | €23,981 | €6,698 | €6,537 | ▼ 2.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€890 | €1,716 | ▲ 293% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €1,104
Net result €1,104 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.08
Current ratio from 1.39 to 3.08; short-term debt falls from €23,699 to €17,992.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€504
Net result drops to -€504, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 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, Waregem · 1 establishment unit since 2023
Ground area
5,621 m²
Building footprint
2,569 m²
Volume, LiDAR
14,678 m³
2 parcels, Flanders · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JAJAMA
since 20232.342.532.776
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B0291/00T000 | Flanders | 4,850 m² | 1 · 2,372 m² | 14.9 m · 2 fl. |
| 34035B0193/00R000 | Flanders | 772 m² | 1 · 196 m² | 8.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 153 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 153 EUR |
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Of 6,972 companies in sector 49320 we hold annual accounts for 2,716. 2,215 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
Founded07-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
47120Other non-specialised retail sale
47639Retail sale of other sporting goods
77229Renting and leasing of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0799269706
Also
9925:BE0799269706
Registered
02-09-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.