JAM&SAB
ActiveThe computed 12-month bankruptcy probability of JAM&SAB is 2.8% (moderate). The 2025 annual accounts show equity of €43k and a net result of €94. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 257 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-99
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 3.53 in 2024), and 31.7% 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 61
Relative position
BE, all sectors
reference
Sector 61
higher
← fewer bankruptcies
more bankruptcies →
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
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
68.3%
Return on assets
0.2%
Age of the figures
8 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 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
134 d late
2022
493 d late
2021
104 d late
2020
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 0.2%
2024 · €43k
2020: €25k
2021: €34k
2022: €19k
2023: €33k
2024: €43k
2020 → 2025
Total assets
€62k▲ 0.6%
2024 · €62k
2020: €54k
2021: €282k
2022: €263k
2023: €107k
2024: €62k
2020 → 2025
Net result
€94▼ 99.0%
2024 · €9k
2020: €31k
2021: €25k
2022: €-15k
2023: €14k
2024: €9k
2020 → 2025
Working capital
€43k▼ 3.5%
2024 · €44k
2020: €25k
2021: €16k
2022: €2k
2023: €15k
2024: €44k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€19k▼ 44.2%€33k▲ 73.9%€43k▲ 28.0%€43k▲ 0.2%
Operating result€30k-€-15k€20k€13k▼ 33.0%€646▼ 95.2%
Net result€25k-€-15k€14k€9k▼ 34.0%€94▼ 99.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €62k
Equity
€43k▲ 0.2%
Debt
€20k▲ 1.5%
The debt ratio rises from 31.4% to 31.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€1k▼
2024 · €14k
Cash flow
€461▼
2024 · €10k
Solvency
68.3%▼
2024 · 68.6%
Current ratio
3.16▼
2024 · 3.53
Quick ratio
3.16▼
2024 · 3.53
Debt / equity
0.46▲
2024 · 0.46
ROE
0.2%▼
2024 · 21.9%
ROA
0.2%▼
2024 · 15.0%
Interest coverage
6.50▼
2024 · 37.86
Debt
€20k▲
2024 · €19k
Debt ≤ 1 year
€20k▲
2024 · €17k
Income taxes
€427▼
2024 · €4k
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€62k€62k▲
Fixed assets21/28€367-
Tangible fixed assets22/27€367-
Furniture and vehicles24€367-
Current assets29/58€62k€62k▲
Amounts receivable after more than one year29€29k€29k=
Other amounts receivable291€29k€29k=
Amounts receivable within one year40/41€11k€18k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€863€2k▲
Cash at bank and in hand54/58€21k€15k▼
Equity and liabilities
Total equity and liabilities10/49€62k€62k▲
Equity10/15€43k€43k▲
Contributions10/11€4k€4k=
Capital10€4k-
Issued capital100€4k-
Profit (loss) carried forward14€39k€39k▲
Amounts payable17/49€19k€20k▲
Amounts payable within one year42/48€17k€20k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€12k€4k▼
Taxes450/3€12k€4k▼
Other amounts payable47/48-€9k
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€750€367▼
Other operating charges640/8€2k€801▼
Non-recurring operating charges66A€17k-
Gross operating margin9900€33k€2k▼
Operating profit (loss)9901€13k€646▼
Financial income75/76B-€31
Recurring financial income75-€31
Financial charges65/66B€372€156▼
Recurring financial charges65€372€156▼
Profit (loss) for the period before taxes9903€13k€521▼
Income taxes67/77€4k€427▼
Profit (loss) for the period9904€9k€94▼
Profit (loss) for the period to be appropriated9905€9k€94▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€39k▲
Profit (loss) brought forward from the previous period14P€29k€39k▲
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 3.53
Current ratio from 1.21 to 3.53; short-term debt falls from €74k to €17k.
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 493 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet €-15k ▼162%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
12-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 104 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dilbeek · 1 establishment unit since 2020
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.
Bouwkunstlaan 331700 DilbeekGround area
225 m²
Building footprint
74 m²
Volume, LiDAR
521 m³
Parcel 23352F0204/00Z002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JAM&SAB
since 20202.304.665.857
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23352F0204/00Z002 | Flanders | 225 m² | 1 · 74 m² | 10.3 m · 3 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.
Similar companies · same sector, comparable size
THE PROJECT ENGINEERING COMPANY
BE 0475.397.493
Overijse · Eq €43k
LINK2LINK
BE 0647.897.246
Ukkel · Eq €42k
CORATEL
BE 0675.371.210
Anderlecht · Eq €44k
SPARTE BELGIUM
BE 0775.346.140
Dilbeek · Eq €44k
LIEGE TELECOM
BE 0645.766.315
Seraing · Eq €42k
Of 1,370 companies in sector 61100 we hold annual accounts for 580. 379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2020
Fiscal year end31-12
Activities, NACEBEL
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
61900Telecommunications
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.