JAM
ActiveJAM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225k and a net result of €40k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 12646 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency75▲+13
Growth85=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.61 in 2024), and 36.1% 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 →
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
63.9%
Return on assets
11.3%
Age of the figures
8 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
1 d early
2022
on the day
2021
38 d early
2020
4 d early
2019
43 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€583k▲ 3.7%
2022 · €562k
2020: €307k
2021: €378k
2022: €562k
2020 → 2023
EBIT margin
9.2%▼ 3.7pp
2022 · 12.9%
2020: 10.0%
2021: 10.6%
2022: 12.9%
2020 → 2023
Net result
€40k▲ 1.5%
2024 · €39k
2020: €13k
2021: €34k
2022: €42k
2023: €38k
2024: €39k
2020 → 2025
Working capital
€-5k▲ 86.6%
2024 · €-41k
2020: €-199k
2021: €-151k
2022: €-121k
2023: €-80k
2024: €-41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€378k-€562k▲ 48.5%€583k▲ 3.7%
Equity€66k-€108k▲ 62.7%€146k▲ 35.7%€185k▲ 26.8%€225k▲ 21.4%
Operating result€40k-€72k▲ 79.7%€53k▼ 26.2%€60k▲ 13.1%€47k▼ 22.4%
Net result€34k-€42k▲ 22.3%€38k▼ 7.5%€39k▲ 1.8%€40k▲ 1.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€310k▼ 4.4%
Current assets
€42k▼ 33.3%
Equity and liabilities €352k
Equity
€225k▲ 21.4%
Debt
€127k▼ 37.1%
The debt ratio falls from 52.2% to 36.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€61k▼
2024 · €75k
Cash flow
€54k▼
2024 · €54k
Solvency
63.9%▲
2024 · 47.8%
Current ratio
0.88▲
2024 · 0.61
Quick ratio
0.88▲
2024 · 0.56
Debt / equity
0.56▼
2024 · 1.09
ROE
17.6%▼
2024 · 21.1%
ROA
11.3%▲
2024 · 10.1%
Interest coverage
8.61▼
2024 · 10.31
Debt
€127k▼
2024 · €202k
Debt ≤ 1 year
€47k▼
2024 · €103k
Debt > 1 year
€75k▼
2024 · €93k
Staff costs
€90k▼
2024 · €201k
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 · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€388k€352k▼
Fixed assets
21/28€325k€310k▼
Tangible fixed assets
22/27€325k€310k▼
Current assets
29/58€63k€42k▼
Stocks & contracts in progress
3€5k-
Amounts receivable within one year
40/41€683-
Cash & bank
54/58€57k€42k▼
Total equity & liabilities
10/49€388k€352k▼
Equity
10/15€185k€225k▲
Contributions / capital
10/11€19k€19k=
Accumulated profits (losses)
14€166k€206k▲
Amounts payable
17/49€202k€127k▼
Amounts payable after one year
17€93k€75k▼
Amounts payable within one year
42/48€103k€47k▼
Trade debts payable within one year
44€41k€14k▼
Income statement
Code20242025
Gross operating margin
9900€279k€154k▼
Operating result
9901€60k€47k▼
Financial charges
65€7k€7k▼
Result before taxes
9903€53k€40k▼
Income taxes
67/77€14k-
Net result for the period
9904€39k€40k▲
Result to be appropriated
9905€39k€40k▲
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
31-12
Financial
Equity above €200kEq €225k ▲21.4%
6 profitable years in a row build equity to €225k.
22-12
State Gazette act
Registered-office change
v3.2
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €185k ▲26.8%
5 profitable years in a row build equity to €185k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2020net €42k ▲22.3%
Operating result €72k, net result €42k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲62.7%
3 profitable years in a row build equity to €108k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
16-03
State Gazette act
Director changes
v3.2
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2014
17-06
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 3 acts read
Directors · office · real estate
Directors
1 director, no change since 2022
Mevrouw Ellen Aerts
CurrentDirector · since 16-03-2022
16-03-2022
Mandate renewed as Director
Location & real-estate footprint
Registered office, Dendermonde
Ground area
2,433 m²
Building footprint
29 m²
Volume, LiDAR
80 m³
Parcel 42006A0516/00_000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006A0516/00_000 | Flanders | 2,433 m² | 1 · 29 m² | 9.6 m · 1 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
R & B - FRITE D'OR
BE 0477.246.334
Welkenraedt · Eq €225k
CAFE DES HALLES
BE 0460.816.316
Brussel · Eq €225k
WAREGEMS POSTERIJTJE
BE 0748.550.879
Waregem · Eq €225k
Artjom
BE 0760.931.841
Izegem · Eq €225k
NATAM
BE 0589.952.119
Elsene · Eq €225k
Of 21,676 companies in sector 56112 we hold annual accounts for 9,381. 6,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2014
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 3 actsNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.