JAM Holding
ActiveJAM Holding has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.13M and a net result of €3.62M. Its solvency ranks better than 15% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+3
Solvency35▲+11
Growth85
Track record82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days only on tighter terms
Liquidity short (current ratio 0.03 against 0.01 in 2024; short-term debt: 12.5% and cash: 0.2% of total assets), and 89.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
10.3%
Return on assets
11.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3163 sector peers (2025).
NBB · sector comparisonPosition among 3163 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
14 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, consolidated, statutory
Turnover
€213k▲ 80.7%
2024 · €118k
2024: €118k
2024 → 2025
EBIT margin
13.5%▼ 32.7pp
2024 · 46.1%
2024: 46.1%
2024 → 2025
Net result
€3.62M
2024 · €-494k
2024: €-494k
2024 → 2025
Working capital
€-3.70M▲ 58.1%
2024 · €-8.84M
2024: €-8.84M
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€118k-€213k▲ 80.7%
Equity€-492k-€3.13M
Operating result€54k-€29k▼ 47.2%
Net result€-494k-€3.62M
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30.33M
Fixed assets
€30.24M▼ 18.2%
Current assets
€95k▲ 32.5%
Equity and liabilities €30.33M
Equity
€3.13M
Debt
€27.21M
Debt finances 89.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€30k▼
2024 · €55k
Cash flow
€3.62M▲
2024 · €-494k
Solvency
10.3%▲
2024 · -1.3%
Current ratio
0.03▲
2024 · 0.01
Quick ratio
0.03▲
2024 · 0.01
Debt / equity
8.70▲
2024 · -76.23
ROE
115.8%
ROA
11.9%▲
2024 · -1.3%
Interest coverage
0.02▼
2024 · 0.10
Debt
€27.21M▼
2024 · €37.53M
Debt ≤ 1 year
€3.80M▼
2024 · €8.91M
Debt > 1 year
€22.97M▼
2024 · €28.11M
Income taxes
€315▼
2024 · €764
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
Assets
Total assets20/58€37.04M€30.33M▼
Fixed assets21/28€36.97M€30.24M▼
Tangible fixed assets22/27€1k€95k▲
Plant, machinery and equipment23€1k€928▼
Furniture and vehicles24-€86k
Other tangible fixed assets26-€8k
Financial fixed assets28€36.97M€30.14M▼
Affiliated companies280/1€36.40M€29.58M▼
Participating interests280€36.40M€29.58M▼
Companies linked by participating interests282/3€566k€566k=
Participating interests282€566k€566k=
Other financial fixed assets284/8€400€400=
Amounts receivable and cash guarantees285/8€400€400=
Current assets29/58€72k€95k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€20k€45k▲
Trade receivables40€20k€43k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€52k€50k▼
Equity and liabilities
Total equity and liabilities10/49€37.04M€30.33M▼
Equity10/15€-492k€3.13M▲
Contributions10/11€2k€2k=
Reserves13-€3.12M
Distributable reserves133-€3.12M
Profit (loss) carried forward14€-494k€0▲
Amounts payable17/49€37.53M€27.21M▼
Amounts payable after more than one year17€28.11M€22.97M▼
Financial debts170/4€28.11M€22.97M▼
Credit institutions173€26.54M€22.97M▼
Other loans174€1.57M€0▼
Amounts payable within one year42/48€8.91M€3.80M▼
Current portion of amounts payable after more than one year42€8.90M€3.57M▼
Trade debts44€6k€23k▲
Suppliers440/4€6k€23k▲
Taxes, remuneration and social security45€8k€1k▼
Taxes450/3€8k€1k▼
Other amounts payable47/48€1k€208k▲
Accrued charges and deferred income492/3€511k€434k▼
Income statement
Code20242025
Operating income70/76A€126k€217k▲
Turnover70€118k€213k▲
Other operating income74€8k€3k▼
Operating charges60/66A€71k€188k▲
Goods for resale, raw materials and consumables60-€15k
Purchases600/8-€15k
Services and other goods61€71k€171k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€182€2k▲
Other operating charges640/8€202€519▲
Operating profit (loss)9901€54k€29k▼
Financial income75/76B€19€4.82M▲
Recurring financial income75€19€4.82M▲
Income from financial fixed assets750-€4.82M
Other financial income752/9€19€16▼
Financial charges65/66B€548k€1.23M▲
Recurring financial charges65€548k€1.23M▲
Debt charges650€540k€1.23M▲
Other financial charges652/9€8k€3k▼
Profit (loss) for the period before taxes9903€-494k€3.62M▲
Income taxes67/77€764€315▼
Taxes670/3€764€315▼
Profit (loss) for the period9904€-494k€3.62M▲
Profit (loss) for the period to be appropriated9905€-494k€3.62M▲
Appropriation of the result
Profit (loss) to be appropriated9906€-494k€3.12M▲
Profit (loss) brought forward from the previous period14P-€-494k
Transfer to equity691/2-€3.12M
To other reserves6921-€3.12M
The notes to these accounts (68 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €3.62M
Net result €3.62M after one loss-making year.
31-12
Financial
Equity above €2MEq €3.13M
Equity rises from €-492k to €3.13M.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schilde · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Putseheide 512970 SchildeGround area
2,982 m²
Building footprint
81 m²
Volume, LiDAR
443 m³
Parcel 11922B0171/00N000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAM Holding
since 20242.357.338.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922B0171/00N000 | Flanders | 2,982 m² | 1 · 81 m² | 7.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 262 EUR awarded · 262 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 262 EUR | 262 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 15,433 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.