JAMABO
ActiveSummary
JAMABO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €427,972 and a net result of -€7,424. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7868 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability55▼-16
Solvency92▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.33 in 2024; short-term debt: 29% and cash: 6% of total assets), and 33.3% of the assets are financed with debt.
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Signals
Three 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
47 d late
2023
83 d late
2022
56 d early
2021
17 d late
2020
8 d early
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€427,972▼ 1.7%
2024 · €435,396
Total assets
€641,224▲ 5.0%
2024 · €610,552
Net result
-€7,424
2024 · €12,664
Working capital
€32,953▼ 19.7%
2024 · €41,030
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€9,489€66,120€27,353▼ 58.6%€20,407▼ 25.4%-€6,252
Net result-€9,965€55,536€18,834▼ 66.1%€12,664▼ 32.8%-€7,424
Equity€365,862▼ 2.7%€421,398▲ 15.2%€440,233▲ 4.5%€435,396▼ 1.1%€427,972▼ 1.7%
Total assets€713,399▲ 1.9%€783,870▲ 9.9%€732,749▼ 6.5%€610,552▼ 16.7%€641,224▲ 5.0%
Debt€310,584▲ 9.6%€331,256▲ 6.7%€266,490▼ 19.6%€152,292▼ 42.9%€194,373▲ 27.6%
Working capital€35,453▼ 82.5%€62,076▲ 75.1%€55,191▼ 11.1%€41,030▼ 25.7%€32,953▼ 19.7%
Staff (FTE)3.1▲ 107%3.4▲ 9.7%3.5▲ 2.9%3.5=3.5=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,252 after €20,407 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641,224
Fixed assets
€422,286 ▼ 5.2%
Current assets
€218,938 ▲ 32.6%
Equity and liabilities €641,224
Equity
€427,972 ▼ 1.7%
Provisions
€18,878 ▼ 17.4%
Debt
€194,373 ▲ 27.6%
Debt's share of the balance-sheet total rises from 24.9% to 30.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17,573▼
2024 · €52,141
Cash flow
€16,401▼
2024 · €44,397
Current ratio
1.18▼
2024 · 1.33
Quick ratio
1.01▼
2024 · 1.10
Debt to equity
0.45▲
2024 · 0.35
ROE
-1.7%▼
2024 · 2.9%
ROA
-1.2%▼
2024 · 2.1%
Interest coverage
4.53▼
2024 · 13.07
Debt ≤ 1 year
€185,984▲
2024 · €124,129
Debt > 1 year
€8,389▼
2024 · €28,163
Income taxes
€2,434▼
2024 · €7,675
Staff costs
€177,396▼
2024 · €179,476
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €15,000 | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €103,431 | €170,223 | €197,390 | €179,476 | €177,396 | ▼ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,301 | €50,942 | €32,047 | €31,733 | €23,825 | ▼ 24.9% |
| Other operating charges640/8 | €4,165 | €3,861 | €4,386 | €1,960 | €6,108 | ▲ 212% |
| Non-recurring operating charges66A | €5,895 | €1,500 | - | €3,380 | - | - |
| Gross operating margin9900 | €141,303 | €292,646 | €261,175 | €236,958 | €201,078 | ▼ 15.1% |
| Operating profit (loss)9901 | -€9,489 | €66,120 | €27,353 | €20,407 | -€6,252 | ▼ 131% |
| Financial income75/76B | €398 | €3 | €231 | €759 | €1,153 | ▲ 51.9% |
| Recurring financial income75 | €398 | €3 | €226 | €759 | €1,153 | ▲ 51.9% |
| Non-recurring financial income76B | - | - | €5 | - | - | - |
| Financial charges65/66B | €3,541 | €5,204 | €4,764 | €3,991 | €3,877 | ▼ 2.9% |
| Recurring financial charges65 | €3,541 | €5,204 | €4,764 | €3,991 | €3,877 | ▼ 2.9% |
| Profit (loss) for the period before taxes9903 | -€12,631 | €60,918 | €22,820 | €17,176 | -€8,975 | ▼ 152% |
| Transfer from deferred taxes780 | €3,610 | €5,736 | €5,191 | €3,163 | €3,985 | ▲ 26.0% |
| Income taxes67/77 | €943 | €11,119 | €9,176 | €7,675 | €2,434 | ▼ 68.3% |
| Profit (loss) for the period9904 | -€9,965 | €55,536 | €18,834 | €12,664 | -€7,424 | ▼ 159% |
| Transfer from tax-exempt reserves789 | €10,831 | €17,209 | €15,572 | €9,488 | €11,956 | ▲ 26.0% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €866 | €72,745 | €34,406 | €22,151 | €4,532 | ▼ 79.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €713,399 | €783,870 | €732,749 | €610,552 | €641,224 | ▲ 5.0% |
| Fixed assets21/28 | €520,164 | €506,504 | €463,113 | €445,393 | €422,286 | ▼ 5.2% |
| Tangible fixed assets22/27 | €520,164 | €506,504 | €463,113 | €445,393 | €422,286 | ▼ 5.2% |
| Land and buildings22 | €384,718 | €421,953 | €415,622 | €399,212 | €385,135 | ▼ 3.5% |
| Plant, machinery and equipment23 | €26,375 | €8,382 | €6,282 | €4,311 | €8,214 | ▲ 90.5% |
| Furniture and vehicles24 | €49,602 | €27,214 | €2,767 | €3,256 | €14,555 | ▲ 347% |
| Leasing and similar rights25 | €49,852 | €39,821 | €29,790 | €30,445 | €6,695 | ▼ 78.0% |
| Other tangible fixed assets26 | €9,616 | €9,134 | €8,652 | €8,170 | €7,688 | ▼ 5.9% |
| Current assets29/58 | €193,236 | €277,366 | €269,636 | €165,158 | €218,938 | ▲ 32.6% |
| Stocks and contracts in progress3 | €39,563 | €68,800 | €33,250 | €28,750 | €31,000 | ▲ 7.8% |
| Stocks30/36 | €33,563 | €32,800 | €33,250 | €28,750 | €31,000 | ▲ 7.8% |
| Contracts in progress37 | €6,000 | €36,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €45,579 | €103,998 | €188,511 | €72,230 | €130,479 | ▲ 80.6% |
| Trade receivables40 | €32,677 | €85,952 | €176,373 | €54,239 | €102,021 | ▲ 88.1% |
| Other amounts receivable41 | €12,902 | €18,046 | €12,138 | €17,991 | €28,458 | ▲ 58.2% |
| Cash at bank and in hand54/58 | €72,359 | €56,854 | €29,985 | €39,954 | €38,671 | ▼ 3.2% |
| Deferred charges and accrued income490/1 | €35,734 | €47,713 | €17,890 | €24,224 | €18,788 | ▼ 22.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €713,399 | €783,870 | €732,749 | €610,552 | €641,224 | ▲ 5.0% |
| Equity10/15 | €365,862 | €421,398 | €440,233 | €435,396 | €427,972 | ▼ 1.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €347,270 | €330,061 | €348,896 | €339,408 | €327,452 | ▼ 3.5% |
| Tax-exempt reserves132 | €110,858 | €93,649 | €78,077 | €68,589 | €56,634 | ▼ 17.4% |
| Distributable reserves133 | €236,412 | €236,412 | €270,818 | €270,818 | €270,818 | = |
| Profit (loss) carried forward14 | - | €72,745 | €72,745 | €77,396 | €81,928 | ▲ 5.9% |
| Provisions and deferred taxes16 | €36,953 | €31,216 | €26,026 | €22,863 | €18,878 | ▼ 17.4% |
| Deferred taxes168 | €36,953 | €31,216 | €26,026 | €22,863 | €18,878 | ▼ 17.4% |
| Amounts payable17/49 | €310,584 | €331,256 | €266,490 | €152,292 | €194,373 | ▲ 27.6% |
| Amounts payable after more than one year17 | €122,424 | €86,672 | €52,046 | €28,163 | €8,389 | ▼ 70.2% |
| Financial debts170/4 | €122,424 | €86,672 | €52,046 | €28,163 | €8,389 | ▼ 70.2% |
| Amounts payable within one year42/48 | €157,783 | €215,291 | €214,445 | €124,129 | €185,984 | ▲ 49.8% |
| Current portion of amounts payable after more than one year42 | €34,896 | €36,097 | €27,720 | €31,969 | €9,960 | ▼ 68.8% |
| Financial debts43 | €45,000 | €50,681 | €16,070 | €4,841 | €14,329 | ▲ 196% |
| Other loans439 | €45,000 | €50,681 | €16,070 | €4,841 | €14,329 | ▲ 196% |
| Trade debts44 | €46,707 | €121,312 | €149,811 | €75,914 | €145,313 | ▲ 91.4% |
| Suppliers440/4 | €46,707 | €121,312 | €149,811 | €75,914 | €145,313 | ▲ 91.4% |
| Taxes, remuneration and social security45 | €7,189 | €7,201 | €17,642 | €9,927 | €10,281 | ▲ 3.6% |
| Taxes450/3 | €1,393 | €87 | - | - | - | - |
| Remuneration and social security454/9 | €5,796 | €7,114 | €17,642 | €9,927 | €10,281 | ▲ 3.6% |
| Other amounts payable47/48 | €23,991 | €0 | €3,202 | €1,478 | €6,101 | ▲ 313% |
| Accrued charges and deferred income492/3 | €30,378 | €29,293 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,965 | €55,536 | €18,834 | €12,664 | -€7,424 | ▼ 159% |
| + Depreciation and write-downs630 | €37,301 | €50,942 | €32,047 | €31,733 | €23,825 | ▼ 24.9% |
| Operating cash flow (approximation) | €27,336 | €106,477 | €50,881 | €44,397 | €16,401 | ▼ 63.1% |
| Investment in fixed assets (approximation) | - | -€37,282 | €11,344 | -€14,014 | -€717 | ▲ 94.9% |
| Change in cash | - | -€15,504 | -€26,869 | €9,969 | -€1,284 | ▼ 113% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 47 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 83 days late
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €55,536
Net result €55,536 after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Weakest financial yearnet -€9,965
Net result drops to -€9,965, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
31-12
Financial
Highest result since 2018net €131,642 ▲577%
Operating result €194,790, net result €131,642, both a record.
31-12
Financial
Liquidity times 6current ratio 2.62
Current ratio from 0.47 to 2.62.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 1999
Ground area
4,873 m²
Building footprint
118 m²
Volume, LiDAR
41 m³
Parcel 24483D0029/00E000, Flanders · tallest building 3.0 m. Linked by address, not a title deed.
1 establishment unit
Jamabo
since 19992.091.289.811
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483D0029/00E000 | Flanders | 4,873 m² | 1 · 118 m² | 3.0 m |
Linked by address, not proof of ownership
Good to know
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
2023 to 2024 · 2 entries · 1,318 EUR awarded · 1,216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 318 EUR | 216 EUR |
Recognitions · licences · registrations
Dual-learning approval
1 live approval · 3 endedSchrijnwerker houtbouw duaal (so)
Show 3 ended approvals
Dakafdichter (so)
Dakdekker leien en pannen (so)
Dakwerker duaal (so)
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,134. 6,259 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-05-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43990Other specialised construction activities
41001General construction of residential buildings
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.