JAMALI
ActiveJAMALI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+95
Solvency40▲+40
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.4 in 2024; short-term debt: 84.8% and cash: 13.3% of total assets), and 84.8% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
15.2%
Return on assets
28.6%
Age of the figures
9 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 17-09-2026, 48 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 · 10 filingsDeviation from the deadline
2025
48 d late
2024
120 d late
2023
28 d late
2022
31 d late
2021
31 d late
2020
60 d late
2019
13 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k
2024 · €-20k
2018: €-219k
2019: €48k
2020: €44k
2021: €73k
2022: €61k
2023: €23k
2024: €-20k
2018 → 2025
Total assets
€147k▲ 183%
2024 · €52k
2018: €70k
2019: €98k
2020: €73k
2021: €105k
2022: €129k
2023: €101k
2024: €52k
2018 → 2025
Net result
€42k
2024 · €-43k
2018: €13k
2019: €49k
2020: €-4k
2021: €29k
2022: €-12k
2023: €-38k
2024: €-43k
2018 → 2025
Working capital
€4k
2024 · €-43k
2018: €-38k
2019: €21k
2020: €17k
2021: €54k
2022: €41k
2023: €-4k
2024: €-43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€61k▼ 16.2%€23k▼ 62.4%€-20k€22k
Operating result€28k-€213▼ 99.2%€-36k€-42k▼ 15.5%€28k
Net result€29k-€-12k€-38k▼ 224%€-43k▼ 12.2%€42k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €28k after a loss of €42k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€18k▼ 21.4%
Current assets
€128k▲ 352%
Equity and liabilities €147k
Equity
€22k
Debt
€124k
Debt finances 84.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€34k▲
2024 · €-35k
Cash flow
€48k▲
2024 · €-36k
Solvency
15.2%▲
2024 · -38.0%
Current ratio
1.03▲
2024 · 0.40
Quick ratio
0.97▲
2024 · 0.30
Debt / equity
5.60▲
2024 · -3.63
ROE
188.7%
ROA
28.6%▲
2024 · -82.3%
Interest coverage
5.39▲
2024 · -32.61
Debt
€124k▲
2024 · €72k
Debt ≤ 1 year
€124k▲
2024 · €72k
Income taxes
€24k
Staff costs
€123k▲
2024 · €101k
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€52k€147k▲
Fixed assets21/28€23k€18k▼
Tangible fixed assets22/27€14k€9k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€337€0▼
Leasing and similar rights25€873€0▼
Financial fixed assets28€9k€9k=
Current assets29/58€28k€128k▲
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€12k€100k▲
Other amounts receivable41€12k€100k▲
Cash at bank and in hand54/58€6k€19k▲
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€52k€147k▲
Equity10/15€-20k€22k▲
Contributions10/11€236k€236k=
Profit (loss) carried forward14€-256k€-214k▲
Amounts payable17/49€72k€124k▲
Amounts payable within one year42/48€72k€124k▲
Current portion of amounts payable after more than one year42-€43k
Trade debts44€44k€6k▼
Suppliers440/4€44k€6k▼
Taxes, remuneration and social security45€27k€75k▲
Taxes450/3€10k€51k▲
Remuneration and social security454/9€18k€24k▲
Income statement
Code20242025
Non-recurring operating income76A-€60k
Remuneration, social security and pensions62€101k€123k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€6k€2k▼
Gross operating margin9900€72k€159k▲
Operating profit (loss)9901€-42k€28k▲
Financial income75/76B€109€45k▲
Recurring financial income75€109€45k▲
Financial charges65/66B€1k€6k▲
Recurring financial charges65€1k€6k▲
Profit (loss) for the period before taxes9903€-43k€66k▲
Income taxes67/77-€24k
Profit (loss) for the period9904€-43k€42k▲
Profit (loss) for the period to be appropriated9905€-43k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-256k€-214k▲
Profit (loss) brought forward from the previous period14P€-213k€-256k▼
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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.40 to 1.03.
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
2024
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Highest result since 2018net €49k ▲269%
Operating result €56k, net result €49k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.43
Current ratio from 0.51 to 1.43; short-term debt falls from €78k to €50k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tongeren-Borgloon · 1 establishment unit since 2007
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.
Grote Markt 193700 Tongeren-BorgloonGround area
160 m²
Building footprint
160 m²
Volume, LiDAR
1,836 m³
Parcel 73083C0787/00D000, Flanders · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Brasserie Lido
since 20072.163.761.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C0787/00D000 | Flanders | 160 m² | 1 · 160 m² | 17.2 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteTongeren-Borgloon2.163.761.281
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 8,967 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2007
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
55302
55401
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
61100Wired, wireless and satellite telecommunications
61200Telecommunications
64200Holdings
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.