JAMAGNE ARCHITECTURE
ActiveJAMAGNE ARCHITECTURE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €-2k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 1986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-22
Solvency57▲+2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 0.97 in 2024; short-term debt: 68.4% and cash: 53.9% of total assets), and 68.4% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
31.6%
Return on assets
-2.9%
Age of the figures
9 mo
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 · 3 filingsDeviation from the deadline
2025
2 d early
2024
14 d early
2023
12 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k
2024 · €10k
2023: €345
2024: €10k
2023 → 2025
Working capital
€5k
2024 · €-2k
2023: €-20k
2024: €-2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€20k▲ 94.2%€18k▼ 8.5%
Operating result€395-€13k▲ 3,309%€-1k
Net result€345-€10k▲ 2,720%€-2k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€13k▼ 39.9%
Current assets
€45k▲ 2.1%
Equity and liabilities €58k
Equity
€18k▼ 8.5%
Debt
€40k▼ 13.0%
The debt ratio falls from 69.5% to 68.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €22k
Cash flow
€7k▼
2024 · €18k
Solvency
31.6%▲
2024 · 30.5%
Current ratio
1.13▲
2024 · 0.97
Quick ratio
1.13▲
2024 · 0.97
Debt / equity
2.17▼
2024 · 2.28
ROE
-9.3%▼
2024 · 48.5%
ROA
-2.9%▼
2024 · 14.8%
Interest coverage
135.26▼
2024 · 423.83
Debt
€40k▼
2024 · €46k
Debt ≤ 1 year
€40k▼
2024 · €46k
Income taxes
€474▼
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€66k€58k▼
Formation expenses20€676€477▼
Fixed assets21/28€21k€13k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€18k€11k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€14k€8k▼
Current assets29/58€44k€45k▲
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€5k€6k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€35k€31k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€66k€58k▼
Equity10/15€20k€18k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€10k€8k▼
Amounts payable17/49€46k€40k▼
Amounts payable within one year42/48€46k€40k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€34k€30k▼
Income statement
Code20242025
Non-recurring operating income76A-€427
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€275€183▼
Non-recurring operating charges66A€105€427▲
Gross operating margin9900€22k€8k▼
Operating profit (loss)9901€13k€-1k▼
Financial charges65/66B€52€55▲
Recurring financial charges65€52€55▲
Profit (loss) for the period before taxes9903€13k€-1k▼
Income taxes67/77€4k€474▼
Profit (loss) for the period9904€10k€-2k▼
Profit (loss) for the period to be appropriated9905€10k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€8k▼
Profit (loss) brought forward from the previous period14P€345€10k▲
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼117%
Net result drops to €-2k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2023net €10k ▲2720%
Operating result €13k, net result €10k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Durbuy · 1 establishment unit since 2023
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 Rahier (Oppagne) 26940 DurbuyGround area
1,724 m²
Building footprint
134 m²
Parcel 83054B0431/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JAMAGNE ARCHITECTURE
since 20232.345.453.961
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83054B0431/00F000 | Wallonia | 1,724 m² | 1 · 134 m² | - |
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
DEA Lab Architecture
BE 0693.918.006
Etterbeek · Eq €18k
CAPPON DESIGN
BE 1010.108.609
Dentergem · Eq €18k
VANDENBROUCKE Bernard
BE 0757.629.584
Oupeye · Eq €18k
ATELIER 20
BE 0441.503.616
Oudergem · Eq €18k
Arian Schelstraete architect
BE 0745.692.844
Sint-Jans-Molenbeek · Eq €18k
Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 4,353 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2023
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.