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Complete company report
Generated 04-08-2026
Active BE 0767.392.437Private limited company

JAM & CO

Assesteenweg 116A ·1740 Ternat, Belgium· 5 yrs active
Sector: Land transport (49330)
Conclusion Checked

The computed 12-month bankruptcy probability of JAM & CO is 3.8% (moderate). The 2024 annual accounts show equity of €137k and a net result of €139k. Equity is growing by ~471.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 2249 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €137k
Net result €139k
Better than sector 77%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health100Profitability100Solvency90Growth78Stability94
92 / 100

Exceptional profile, strong across almost every axis.

Health 100
Profitability 100
Solvency 90
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.8% Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
100 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 08-10-2025 with the NBB · fiscal year 2024 · micro
€-50k€0€50k€100k€150kOperating result 2021: €-5k€-5kNet result 2021: €-5k€-5kOperating result 2022: €-11k€-11kNet result 2022: €-11k€-11kOperating result 2024: €139k€139kNet result 2024: €139k€139k202120222024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~471.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-100k€0€100k€200k€300k2025: €180k (€169k - €191k)2026: €223k (€212k - €234k)2027: €266k (€255k - €277k)2021: €9k2022: €-2k2024: €137k202120222024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 49, Land transport · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 54.2% 27.4%
better than 77% of 2249 sector peers
Net result €139k €6k
better than 95% of 2233 sector peers
Equity €137k €17k
better than 93% of 2255 sector peers
Gross operating margin €209k €28k
better than 91% of 2222 sector peers
Staff costs €51k €37k
higher than 58% of 1016 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€157k
- far above sector median
Net profit
€139k
- far above sector median
Cash flow
€156k
- far above sector median
Total assets
€253k
+4404.2% far above sector median
Equity
€137k
- +213% vs sector
Working capital
€83k
- far above sector median
Staff costs
€51k
- +66% vs sector
Debt
€116k
+1379.0% +160% vs sector
Debt ≤ 1y
€116k
+1379.0% +160% vs sector
Current ratio
1.71
+1882.5% +18% vs sector
Quick ratio
1.71
+1882.5% +18% vs sector
Solvency
54.2%
- -32% vs sector
Debt / equity
0.84
- -28% vs sector
ROE
101.0%
-80.2% far above sector median
ROA
54.7%
- far above sector median
Interest coverage
1020.32
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€157k
Net profit€139k
Cash flow€156k
Staff costs€51k
Income taxes-
Dividends-
Total assets€253k
Equity€137k
Debt€116k
of which ≤ 1y€116k
of which > 1y-
Working capital€83k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.71
Quick ratio1.71
Working capital ratio32.6%
Solvency54.2%
Debt / equity0.84
Long-term debt ratio-
Interest coverage1020.32
Gross margin-
Net margin-
ROA54.7%
ROE101.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€253k
Fixed assets 21/28€55k
Tangible fixed assets 22/27€54k
Financial fixed assets 28€878
Current assets 29/58€199k
Amounts receivable within one year 40/41€144k
Cash & bank 54/58€54k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€253k
Equity 10/15€137k
Contributions / capital 10/11€14k
Accumulated profits (losses) 14€124k
Amounts payable 17/49€116k
Amounts payable within one year 42/48€116k
Trade debts payable within one year 44€71k
Income statement
Gross operating margin 9900€209k
Operating result 9901€139k
Financial charges 65€153
Result before taxes 9903€139k
Net result for the period 9904€139k
Result to be appropriated 9905€139k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Land transport(49330)
Legal form Private limited company(610)
Incorporation22-04-2021
StatusActive
Postal code1740
Establishment units 2 locations
JAM & CO
Assesteenweg 116, 1740 TernatPersonenvervoer over de weg volgens dienstregeling
since 20212.316.673.863
JAM AND CO
Nieuwelaan 98, 1040 EtterbeekPersonenvervoer over de weg volgens dienstregeling
since 20212.355.964.011
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
23086A0354/00N002 Flanders 259 m² 1 · 73 m² 9.9 m · 2 fl.
21363B0491/00B002 Brussels 172 m² 1 · 147 m² 17.7 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
08-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
26-05-2025
State Gazette act Director changes
05-02-2025
State Gazette act Director changes
2024
10-06-2024
State Gazette act Director changes
30-05-2024
State Gazette act Director changes
13-02-2024
State Gazette act Director changes
JAM & CO
2023
06-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
03-11-2022
State Gazette act Registered-office change
11-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
21-04-2022
State Gazette act Registered-office change
Belgisch Staatsblad, acts 7 acts
Address history · 2
03-11-2022
Registered-office move
21-04-2022
Registered-office move
All acts · 7 updated 1 year ago
2025
26-05-2025 2 resigning Director changes
  • HANIFE MOHAMAD-KHEIR, Bestuurder
  • BUCPAPAJ SHKELZEN, Bestuurder
Technical details 
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      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
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      "compensated": null,
      "effective_date": "2025-02-28",
      "evidence_quote": "Het ontslag van de Dhr. HANIFE MOHAMAD-KHEIR uit zijn functie als bestuurder. Hij wordt ontslagen v\u00F3\u00F3r het verstrijken van zijn termijn, met ingang van 28/02/2025.",
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      "effective_date": "2025-03-31",
      "evidence_quote": "Het ontslag van de Dhr. BUCPAPAJ SHKELZEN uit zijn functie als bestuurder. Hij wordt ontslagen v\u00F3\u00F3r het verstrijken van zijn termijn, met ingang van 31/03/2025.",
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  "act_meta": {
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    "pub_date": null,
    "filing_date": "2025-05-19",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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      "date": "2025-02-28",
      "unanimous": true
    },
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-03-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": "JAM \u0026 \u0421\u041E",
    "legal_form": "BV"
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  "publication_proxy": {
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  "co_filed_documents": [],
  "corrected_publication_numac": null
}
05-02-2025 3 directors appointed, 1 resigning Director changes
  • BAY ABO DABBOUS МОНАМAD, Bestuurder
  • SHWIHNEН IBRAHIM, Bestuurder
  • BUCPAPAJ SHKELZEN, Bestuurder
  • ALSULIMAN TAREK, Bestuurder
Technical details 
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      "reason": "end_of_term",
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      "effective_date": "2024-12-31",
      "evidence_quote": "Het ontslag van de Dhr. ALSULIMAN TAREK van zijn functie van Bestuurder en hij ontslagen voor zijn termijn verstreken",
      "decharge_status": null,
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    },
    {
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      "role": "bestuurder",
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        "name": "BAY ABO DABBOUS \u041C\u041E\u041D\u0410\u041CAD",
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      "kind": "director_in",
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      },
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      "compensated": false,
      "effective_date": "2025-01-02",
      "evidence_quote": "De benoeming tot de functie van gratis Bestuurder (onbetaald) van de Dhr. SHWIHNE\u041D IBRAHIM",
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      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": "2025-01-02",
      "evidence_quote": "De benoeming tot de functie van gratis Bestuurder (onbetaald) van de Dhr. SHWIHNE\u041D IBRAHIM en BUCPAPAJ SHKELZEN",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-12-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": "JAM \u0026 CO",
    "legal_form": "BV"
  },
  "publication_proxy": {
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    "org_kbo": null,
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  "co_filed_documents": [],
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}
2024
10-06-2024 HANIFE MOHAMAD-KHEIR appointed as director Director changes
  • HANIFE MOHAMAD-KHEIR, Bestuurder
Technical details 
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    {
      "kind": "director_in",
      "role": "bestuurder",
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      "effective_date": "2024-05-31",
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    "pub_date": "2024-06-10",
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  },
  "decisions": [
    {
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      "date": "2024-05-31",
      "unanimous": true
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}
30-05-2024 1 director appointed, 2 resigning Director changes
  • ALSULIMAN TAREK, Bestuurder
  • HANIFE MAHMOUD, Bestuurder
  • ALGHAJAR MUSTAFA, Bestuurder
Technical details 
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  "events": [
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      "role": "bestuurder",
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      "rep_rotation_new_rep": null,
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      "effective_date": "2024-05-20",
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      "effective_date": "2024-05-20",
      "evidence_quote": "Het ontslag van de Dhr. ALGHAJAR MUSTAFA van zijn functie van Bestuurder en hij ontslagen voor zijn termijn verstreken en dit met ingang van 20/05/2024.",
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "TERNAT",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-05-30",
    "filing_date": "2024-05-22",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-05-20",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": "JAM \u0026 CO",
    "legal_form": "BV"
  },
  "publication_proxy": {
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  "co_filed_documents": [],
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}
13-02-2024 2 directors appointed Director changes·JAM & CO
  • ALGHAJAR MUSTAFA, Bestuurder
  • HANIFE MAHMOUID, Bestuurder
Notary: JAM & CO · TERNATFirm: JAM & CO
Technical details 
{
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    {
      "kind": "director_in",
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        "name": "ALGHAJAR MUSTAFA",
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      "effective_date": "2024-01-30",
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      "decharge_status": null,
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      },
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      "compensated": false,
      "effective_date": "2024-02-01",
      "evidence_quote": "De benoeming tot de functie van gratis Bestuurder (onbetaald) van de Dhr. HANIFE MAHMOUID, die aanvaardt en met ingang van 01/02/2024.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": "JAM \u0026 CO",
    "firm_city": null,
    "firm_name": "JAM \u0026 CO",
    "office_city": "TERNAT",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2024-02-02",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-01-30",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": null,
    "legal_form": null,
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
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  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2022
03-11-2022 Registered office moved from GERAARDSBERGEN to TERNAT Registered-office change
  • WEVERIJSTRAAT 30 9500 GERAARDSBERGEN → ASSESTEENWEG 116A 1740 TERNAT
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "ASSESTEENWEG 116A 1740 TERNAT",
        "city": "TERNAT",
        "region": "vlaams_gewest",
        "street": "ASSESTEENWEG",
        "country": "BE",
        "postcode": "1740",
        "box_number": null,
        "street_number": "116A",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "WEVERIJSTRAAT 30 9500 GERAARDSBERGEN",
        "city": "GERAARDSBERGEN",
        "region": "vlaams_gewest",
        "street": "WEVERIJSTRAAT",
        "country": "BE",
        "postcode": "9500",
        "box_number": null,
        "street_number": "30",
        "locality_suffix": null
      },
      "effective_date": "2022-10-11",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-11-03",
    "filing_date": "2022-10-17",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-10-11",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": "BV JAM \u0026 CO",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "BAY ABO DABBOUS MOHAMAD",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Bijlagen.bij het Belgisch. Staatsblad.-03/11/2022- Annexes du Moniteur belge."
  ]
}
21-04-2022 Registered office moved from ZAVENTEM to GERAARDSBERGEN Registered-office change
  • IMPERIASTRAAT 8 1930 ZAVENTEM → WEVERIJSTRAAT 30, 9500 GERAARDSBERGEN.
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "WEVERIJSTRAAT 30, 9500 GERAARDSBERGEN.",
        "city": "GERAARDSBERGEN",
        "region": "vlaams_gewest",
        "street": "WEVERIJSTRAAT",
        "country": "BE",
        "postcode": "9500",
        "box_number": null,
        "street_number": "30",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "IMPERIASTRAAT 8 1930 ZAVENTEM",
        "city": "ZAVENTEM",
        "region": "vlaams_gewest",
        "street": "IMPERIASTRAAT",
        "country": "BE",
        "postcode": "1930",
        "box_number": null,
        "street_number": "8",
        "locality_suffix": null
      },
      "effective_date": "2022-04-11",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-04-13",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-04-11",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0767.392.437",
    "name_full": "BV JAM \u0026 CO",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "BAY ABO DABBOUS MOHAMAD",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch.Staatsblad.-21/04/2022.- Annexes du. Moniteur belge"
  ]
}
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Company registry (CBE) Crossroads Bank
Activities
Exploitatie van taxi's49320Personenvervoer over de weg zonder dienstregeling49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Overig personenvervoer te land, n.e.g.49390
Primary activity highlighted.
Names & trade names
Legal nameNL JAM & CO
Registered office
Assesteenweg 116A
1740 Ternat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative