JAMA MANAGEMENT
ActiveJAMA MANAGEMENT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €85k. Equity is growing by ~54.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 3186 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+4
Solvency48▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.55 in 2024; short-term debt: 26.5% and cash: 1.1% of total assets), and 77.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
22.7%
Return on assets
12.6%
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 24% of 3186 sector peers (2025).
NBB · sector comparisonPosition among 3186 sector peers
Solvency
better than 24%
← 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 18-05-2026, 74 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
74 d early
2024
57 d early
2023
30 d early
2022
81 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€85k▲ 11.2%
2024 · €76k
2022: €4k
2023: €43k
2024: €76k
2022 → 2025
Working capital
€-100k▼ 17.3%
2024 · €-85k
2022: €9k
2023: €34k
2024: €-85k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€52k▲ 471%€129k▲ 146%€153k▲ 19.3%
Operating result€5k-€54k▲ 937%€121k▲ 125%€126k▲ 3.6%
Net result€4k-€43k▲ 937%€76k▲ 76.6%€85k▲ 11.2%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €675k
Fixed assets
€595k=
Current assets
€80k▼ 22.8%
Equity and liabilities €675k
Equity
€153k▲ 19.3%
Debt
€522k▼ 8.5%
The debt ratio falls from 81.6% to 77.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
22.7%▲
2024 · 18.4%
Current ratio
0.44▼
2024 · 0.55
Quick ratio
0.44▼
2024 · 0.55
Debt / equity
3.40▼
2024 · 4.43
ROE
55.3%▼
2024 · 59.3%
ROA
12.6%▲
2024 · 10.9%
Debt
€522k▼
2024 · €570k
Debt ≤ 1 year
€179k▼
2024 · €188k
Debt > 1 year
€337k▼
2024 · €376k
Income taxes
€22k▲
2024 · €19k
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€698k€675k▼
Fixed assets21/28€595k€595k=
Financial fixed assets28€595k€595k=
Current assets29/58€103k€80k▼
Amounts receivable within one year40/41€60k€71k▲
Other amounts receivable41€60k€71k▲
Cash at bank and in hand54/58€42k€7k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€698k€675k▼
Equity10/15€129k€153k▲
Contributions10/11€5k€5k=
Reserves13€124k€148k▲
Distributable reserves133€124k€148k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€570k€522k▼
Amounts payable after more than one year17€376k€337k▼
Financial debts170/4€376k€337k▼
Amounts payable within one year42/48€188k€179k▼
Current portion of amounts payable after more than one year42€37k€39k▲
Financial debts43€5k€11k▲
Credit institutions430/8€5k€11k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€14k▲
Other amounts payable47/48€134k€114k▼
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Other operating charges640/8€1k€2k▲
Gross operating margin9900€123k€128k▲
Operating profit (loss)9901€121k€126k▲
Financial income75/76B€285€502▲
Recurring financial income75€285€502▲
Financial charges65/66B€26k€19k▼
Recurring financial charges65€26k€19k▼
Profit (loss) for the period before taxes9903€96k€107k▲
Income taxes67/77€19k€22k▲
Profit (loss) for the period9904€76k€85k▲
Profit (loss) for the period to be appropriated9905€76k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€85k▲
Transfer from equity791/2-€60k
Transfer to equity691/2€76k€85k▲
To other reserves6921€76k€85k▲
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (14 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2022net €85k ▲11.2%
Operating result €126k, net result €85k, both a record.
31-12
Financial
Equity above €150kEq €153k ▲19.3%
4 profitable years in a row build equity to €153k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €100kEq €129k ▲146%
3 profitable years in a row build equity to €129k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Liège · 1 establishment unit since 2021
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.
Rue du Moulin 2464020 LiègeGround area
2,597 m²
Building footprint
1,125 m²
Volume, LiDAR
6,076 m³
Parcel 62020A0342/00K000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAMA MANAGEMENT
since 20212.326.049.805
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62020A0342/00K000 | Wallonia | 2,597 m² | 1 · 1,125 m² | 9.3 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.
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DE BACKER INVEST
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LAMBERT
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MVO
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Antwerpen · Eq €153k
Of 5,700 companies in sector 70100 we hold annual accounts for 3,495. 2,356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2021
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.