JAM INTERNATIONAL
ActiveJAM INTERNATIONAL has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-14k. Equity is shrinking by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 3175 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency58▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 4.03 against 3.31 in 2024; short-term debt: 21.9% and cash: 14% of total assets), but 67.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
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 · 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 2025Solvency, return and age of the figures
Solvency
32.9%
Return on assets
-22.3%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-14k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
34 d early
2023
4 d early
2022
on the day
2021
22 d late
2020
32 d late
2019
48 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k▲ 54.0%
2024 · €-31k
2019: €-13k
2020: €-78k
2021: €53k
2022: €-13k
2023: €16k
2024: €-31k
2019 → 2025
Working capital
€43k▼ 4.4%
2024 · €45k
2019: €74k
2020: €7k
2021: €43k
2022: €31k
2023: €59k
2024: €45k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€50k▼ 20.8%€67k▲ 32.7%€35k▼ 46.7%€21k▼ 40.3%
Operating result€57k-€-12k€19k€-30k€-14k▲ 54.5%
Net result€53k-€-13k€16k€-31k€-14k▲ 54.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €30k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€8k▼ 43.3%
Current assets
€57k▼ 11.2%
Equity and liabilities €64k
Equity
€21k▼ 40.3%
Debt
€43k▲ 3.2%
The debt ratio rises from 54.1% to 67.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▲
2024 · €-24k
Cash flow
€-8k▲
2024 · €-25k
Solvency
32.9%▼
2024 · 45.9%
Current ratio
4.03▲
2024 · 3.31
Quick ratio
4.03▲
2024 · 3.31
Debt / equity
2.04▲
2024 · 1.18
ROE
-67.6%▲
2024 · -87.6%
ROA
-22.3%▲
2024 · -40.2%
Interest coverage
-13.34▲
2024 · -34.00
Debt
€43k▲
2024 · €42k
Debt ≤ 1 year
€14k▼
2024 · €19k
Debt > 1 year
€29k▲
2024 · €22k
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€77k€64k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€13k€8k▼
Furniture and vehicles24€13k€8k▼
Financial fixed assets28€25€25=
Current assets29/58€64k€57k▼
Amounts receivable within one year40/41€50k€46k▼
Trade receivables40€48k€45k▼
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€12k€9k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€77k€64k▼
Equity10/15€35k€21k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-33k€-47k▼
Amounts payable17/49€42k€43k▲
Amounts payable after more than one year17€22k€29k▲
Other amounts payable178/9€22k€29k▲
Amounts payable within one year42/48€19k€14k▼
Trade debts44€12k€579▼
Suppliers440/4€12k€579▼
Taxes, remuneration and social security45€7k€13k▲
Remuneration and social security454/9€7k€13k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-20k€-6k▲
Operating profit (loss)9901€-30k€-14k▲
Financial charges65/66B€714€593▼
Recurring financial charges65€714€593▼
Profit (loss) for the period before taxes9903€-31k€-14k▲
Income taxes67/77€184-
Profit (loss) for the period9904€-31k€-14k▲
Profit (loss) for the period to be appropriated9905€-31k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-47k▼
Profit (loss) brought forward from the previous period14P€-2k€-33k▼
The notes to these accounts (5 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
31-03
Financial
Back to profitnet €53k
Net result €53k after 2 loss-making years.
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 32 days late
31-03
Financial
Weakest financial yearnet €-78k
Net result drops to €-78k, the lowest in the series; recovery starts the following year.
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 48 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2011
01-04
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Elsene · 1 establishment unit since 2000
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.
Louizalaan 1241050 ElseneGround area
1,660 m²
Building footprint
635 m²
Volume, LiDAR
8,388 m³
2 parcels, Brussels · tallest building 28.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
de Hinnisdaellaan 51, 1150 Sint-Pieters-Woluwe
since 20002.033.704.473
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0033/00D008 | Brussels | 1,354 m² | 1 · 413 m² | 19.8 m · 5 fl. |
| 21807G0050/00M000 | Brussels | 306 m² | 1 · 222 m² | 28.4 m · 4 fl. |
Linked by address, not proof of ownership
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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 31,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-01-1987
Fiscal year end31-03
Abbreviation FR
JAM INT.
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 38 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.