JAMAPRO

Active

Private limited companyfounded 20214 yrs activeLouis Van Holestraat 1, 3128 Tremelo, BelgiumKBO/BCE: BE 0777.494.590

Summary

The computed 12-month bankruptcy probability of JAMAPRO is 2.4% (moderate). The 2024 annual accounts show equity of €363k and a net result of €131k. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 7445 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability77▲+2

Solvency44▲+5

Growth52=

Track record94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €18k at 30 days acceptable

Liquidity short (current ratio 0.98 against 0.88 in 2023; short-term debt: 68.3% and cash: 12.7% of total assets), and 81.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7445 sector peers (2024).

NBB · sector comparison

Position among 7445 sector peers

Solvency

better than 18%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-09-2025, 39 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

39 d late

2023

82 d late

2022

124 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€363k▲ 56.4%

2023 · €232k

2022: €146k 2023: €232k

2022 → 2024

Total assets

€1.94M▲ 18.4%

2023 · €1.64M

2022: €749k 2023: €1.64M

2022 → 2024

Net result

€131k▲ 52.8%

2023 · €86k

2022: €141k 2023: €86k

2022 → 2024

Working capital

€-22k▲ 82.1%

2023 · €-122k

2022: €-63k 2023: €-122k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€146k-€232k▲ 58.5%€363k▲ 56.4%

Operating result€178k-€138k▼ 22.2%€192k▲ 38.5%

Net result€141k-€86k▼ 39.4%€131k▲ 52.8%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 39% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.94M

32.8%

67.2%

Fixed assets €635k ▼ 11.1%

Current assets €1.30M ▲ 41.2%

Equity and liabilities €1.94M

18.7%

81.3%

Equity €363k ▲ 56.4%

Debt €1.58M ▲ 12.1%

Debt's share of the balance-sheet total falls from 85.8% to 81.3%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€358k▲

2023 · €273k

Cash flow

€297k▲

2023 · €220k

Current ratio

0.98▲

2023 · 0.88

Debt to equity

4.34▼

2023 · 6.06

ROE

36.1%▼

2023 · 36.9%

ROA

6.7%▲

2023 · 5.2%

Interest coverage

10.61▲

2023 · 8.07

Debt ≤ 1 year

€1.32M▲

2023 · €1.04M

Debt > 1 year

€251k▼

2023 · €361k

Income taxes

€30k▲

2023 · €22k

Staff costs

€433k▲

2023 · €364k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines

Balance sheet Code20232024

Assets

Total assets20/58€1.64M€1.94M▲

Fixed assets21/28€715k€635k▼

Tangible fixed assets22/27€715k€635k▼

Plant, machinery and equipment23€645k€541k▼

Furniture and vehicles24€70k€95k▲

Current assets29/58€923k€1.30M▲

Amounts receivable within one year40/41€851k€1.03M▲

Trade receivables40€680k€896k▲

Other amounts receivable41€171k€132k▼

Cash at bank and in hand54/58€57k€247k▲

Deferred charges and accrued income490/1€15k€29k▲

Equity and liabilities

Total equity and liabilities10/49€1.64M€1.94M▲

Equity10/15€232k€363k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€227k€358k▲

Amounts payable17/49€1.41M€1.58M▲

Amounts payable after more than one year17€361k€251k▼

Financial debts170/4€361k€251k▼

Amounts payable within one year42/48€1.04M€1.32M▲

Current portion of amounts payable after more than one year42€161k€174k▲

Financial debts43€60k€179k▲

Credit institutions430/8€60k€179k▲

Trade debts44€743k€946k▲

Suppliers440/4€743k€946k▲

Taxes, remuneration and social security45€70k€22k▼

Taxes450/3€55k€22k▼

Remuneration and social security454/9€15k-

Other amounts payable47/48€10k€4k▼

Income statement Code20232024

Remuneration, social security and pensions62€364k€433k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€134k€166k▲

Other operating charges640/8€8k€16k▲

Non-recurring operating charges66A€498€33k▲

Gross operating margin9900€645k€840k▲

Operating profit (loss)9901€138k€192k▲

Financial income75/76B€3k€2k▼

Recurring financial income75€3k€2k▼

Financial charges65/66B€34k€34k▼

Recurring financial charges65€34k€34k▼

Profit (loss) for the period before taxes9903€108k€160k▲

Income taxes67/77€22k€30k▲

Profit (loss) for the period9904€86k€131k▲

Profit (loss) for the period to be appropriated9905€86k€131k▲

Appropriation of the result

Profit (loss) to be appropriated9906€227k€358k▲

Profit (loss) brought forward from the previous period14P€141k€227k▲

Social balance

Average headcount (FTE)90877.28.7▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

08-09

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 39 days late

2024

21-10

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 82 days late

2023

31-12

Financial Weakest financial yearnet €86k ▼39.4%

Net result drops to €86k, the lowest in the series; recovery starts the following year.

31-12

Financial Equity above €200kEq €232k ▲58.5%

2 profitable years in a row build equity to €232k.

29-03

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

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, Tremelo · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Louis Van Holestraat 13128 Tremelo

Ground area

1,408 m²

Building footprint

152 m²

Volume, LiDAR

835 m³

Parcel 24006D0462/00Z004, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JAMAPRO

Louis Van Holestraat 1, 3128 TremeloRemediation activities and other waste management service activities

since 20212.324.804.443

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24006D0462/00Z004	Flanders	1,408 m²	1 · 152 m²	7.7 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 4 entries · 1,879 EUR awarded · 1,879 EUR paid

Year	Entries	awarded	paid
2025	1	638 EUR	638 EUR
2024	1	993 EUR	993 EUR
2023	1	69 EUR	69 EUR
2022	1	179 EUR	179 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

4 entries · 1,879 EUR · 1,879 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Recognised contractor

2 categories

JAMAPRO BV#9873

category G, class 3 · category G5, class 3

decision 04-03-2025 · valid until 03-11-2026

Similar companies · same sector, comparable size

GRONDWERKEN HEYRMAN URBAIN

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Tessenderlo-Ham · Eq €363,155

THOMAS

BE 0607.860.792

Bastogne · Eq €363,430

Pricinote Deco

BE 0766.652.366

Oudergem · Eq €361,123

Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,369 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-11-2021

Fiscal year end31-12

Activities, NACEBEL 2025

43120Site preparation

42110Construction of roads and motorways

43990Other specialised construction activities

71113Urban planning and landscape architecture

81300Landscape service activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.