JAMAR
ActiveSummary
JAMAR has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.45M and a net result of €45k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+3
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 63.16 against 44.5 in 2024; short-term debt: 1.2% and cash: 4.9% of total assets), and 1.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
98.8%
Return on assets
3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
27 d late
2023
23 d late
2022
40 d early
2021
30 d late
2020
24 d late
2019
20 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.45M▲ 3.2%
2024 · €1.40M
2018: €1.36Mlowest in 8 years
2019: €1.37M▲ +0.8% vs 2018
2020: €1.39M▲ +1.6% vs 2019
2021: €1.38M▼ -0.4% vs 2020
2022: €1.39M▲ +0.8% vs 2021
2023: €1.39M▼ -0.4% vs 2022
2024: €1.40M▲ +0.9% vs 2023
2025: €1.45M▲ +3.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€1.46M▲ 2.8%
2024 · €1.42M
2018: €1.38Mlowest in 8 years
2019: €1.41M▲ +2.2% vs 2018
2020: €1.44M▲ +1.8% vs 2019
2021: €1.57M▲ +9.6% vs 2020highest in 8 years
2022: €1.42M▼ -10.1% vs 2021
2023: €1.42M▲ +0.1% vs 2022
2024: €1.42M▲ +0.5% vs 2023
2025: €1.46M▲ +2.8% vs 2024
2018 → 2025
Net result
€45k▲ 251%
2024 · €13k
2018: €19k
2019: €11k▼ -43.4% vs 2018
2020: €21k▲ +95.7% vs 2019
2021: €-5k▼ -125% vs 2020lowest in 8 years
2022: €11k▲ +300% vs 2021
2023: €-5k▼ -145% vs 2022
2024: €13k▲ +359% vs 2023
2025: €45k▲ +251% vs 2024highest in 8 years
2018 → 2025
Working capital
€1.12M▲ 10.0%
2024 · €1.01M
2018: €1.15M
2019: €1.23M▲ +6.6% vs 2018
2020: €1.33M▲ +8.4% vs 2019
2021: €1.38M▲ +3.7% vs 2020highest in 8 years
2022: €1.06M▼ -23.5% vs 2021
2023: €967k▼ -8.4% vs 2022lowest in 8 years
2024: €1.01M▲ +4.9% vs 2023
2025: €1.12M▲ +10.0% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.38M-€1.39M▲ 0.8%€1.39M▼ 0.4%€1.40M▲ 0.9%€1.45M▲ 3.2%
2021: €1.38Mlowest in 5 years
2022: €1.39M▲ +0.8% vs 2021
2023: €1.39M▼ -0.4% vs 2022
2024: €1.40M▲ +0.9% vs 2023
2025: €1.45M▲ +3.2% vs 2024highest in 5 years
Operating result€-40k-€-23k▲ 42.2%€-52k▼ 129%€-50k▲ 4.5%€178
2021: €-40k
2022: €-23k▲ +42.2% vs 2021
2023: €-52k▼ -129% vs 2022lowest in 5 years
2024: €-50k▲ +4.5% vs 2023
2025: €178▲ +100% vs 2024highest in 5 years
Net result€-5k-€11k€-5k€13k€45k▲ 251%
2021: €-5klowest in 5 years
2022: €11k▲ +300% vs 2021
2023: €-5k▼ -145% vs 2022
2024: €13k▲ +359% vs 2023
2025: €45k▲ +251% vs 2024highest in 5 years
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 returns to profit in 2025: €178 after a loss of €50k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.46M
Fixed assets
€330k ▼ 14.6%
Current assets
€1.13M ▲ 9.2%
Equity and liabilities €1.46M
Equity
€1.45M ▲ 3.2%
Debt
€18k ▼ 23.0%
Debt's share of the balance-sheet total falls from 1.6% to 1.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €9k
Cash flow
€101k▲
2024 · €72k
Current ratio
63.16▲
2024 · 44.50
Debt to equity
0.01▼
2024 · 0.02
ROE
3.1%▲
2024 · 0.9%
ROA
3.0%▲
2024 · 0.9%
Interest coverage
188.79▲
2024 · 36.10
Debt ≤ 1 year
€18k▼
2024 · €23k
Income taxes
€15k▲
2024 · €4k
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 · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.42M€1.46M▲
Fixed assets21/28€386k€330k▼
Tangible fixed assets22/27€386k€330k▼
Land and buildings22€39k€34k▼
Furniture and vehicles24€348k€296k▼
Financial fixed assets28€0-
Current assets29/58€1.04M€1.13M▲
Amounts receivable within one year40/41€853k€1.05M▲
Trade receivables40€38k€38k=
Other amounts receivable41€815k€1.01M▲
Cash at bank and in hand54/58€175k€71k▼
Deferred charges and accrued income490/1€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.46M▲
Equity10/15€1.40M€1.45M▲
Contributions10/11€870k€870k=
Capital10€870k€870k=
Issued capital100€870k€870k=
Reserves13€152k€152k=
Non-distributable reserves130/1€87k€87k=
Legal reserve130€87k€87k=
Distributable reserves133€64k€64k=
Profit (loss) carried forward14€380k€424k▲
Amounts payable17/49€23k€18k▼
Amounts payable within one year42/48€23k€18k▼
Trade debts44€19k€12k▼
Suppliers440/4€19k€12k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€56k▼
Other operating charges640/8€8k€8k▲
Gross operating margin9900€17k€65k▲
Operating profit (loss)9901€-50k€178▲
Financial income75/76B€67k€60k▼
Recurring financial income75€67k€60k▼
Financial charges65/66B€246€300▲
Recurring financial charges65€246€300▲
Profit (loss) for the period before taxes9903€17k€59k▲
Income taxes67/77€4k€15k▲
Profit (loss) for the period9904€13k€45k▲
Profit (loss) for the period to be appropriated9905€13k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€380k€424k▲
Profit (loss) brought forward from the previous period14P€367k€380k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65k | €46k | €54k | €59k | €56k | ▼ 4.1% |
| Other operating charges640/8 | €6k | €8k | €10k | €8k | €8k | ▲ 1.1% |
| Gross operating margin9900 | €31k | €32k | €12k | €17k | €65k | ▲ 279% |
| Operating profit (loss)9901 | €-40k | €-23k | €-52k | €-50k | €178 | ▲ 100% |
| Financial income75/76B | €50k | €38k | €54k | €67k | €60k | ▼ 11.3% |
| Recurring financial income75 | €50k | €38k | €54k | €67k | €60k | ▼ 11.3% |
| Financial charges65/66B | €279 | €372 | €246 | €246 | €300 | ▲ 22.0% |
| Recurring financial charges65 | €279 | €372 | €246 | €246 | €300 | ▲ 22.0% |
| Profit (loss) for the period before taxes9903 | €10k | €15k | €2k | €17k | €59k | ▲ 251% |
| Income taxes67/77 | €16k | €4k | €7k | €4k | €15k | ▲ 251% |
| Profit (loss) for the period9904 | €-5k | €11k | €-5k | €13k | €45k | ▲ 251% |
| Transfer from tax-exempt reserves789 | €92k | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €87k | €11k | €-5k | €13k | €45k | ▲ 251% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.57M | €1.42M | €1.42M | €1.42M | €1.46M | ▲ 2.8% |
| Fixed assets21/28 | €27k | €338k | €424k | €386k | €330k | ▼ 14.6% |
| Tangible fixed assets22/27 | €23k | €333k | €420k | €386k | €330k | ▼ 14.6% |
| Land and buildings22 | - | - | €43k | €39k | €34k | ▼ 11.5% |
| Furniture and vehicles24 | €23k | €333k | €376k | €348k | €296k | ▼ 15.0% |
| Financial fixed assets28 | €4k | €4k | €4k | €0 | - | - |
| Current assets29/58 | €1.55M | €1.08M | €993k | €1.04M | €1.13M | ▲ 9.2% |
| Amounts receivable within one year40/41 | €1.05M | €1.02M | €952k | €853k | €1.05M | ▲ 23.4% |
| Trade receivables40 | €230k | €48k | €51k | €38k | €38k | = |
| Other amounts receivable41 | €815k | €970k | €901k | €815k | €1.01M | ▲ 24.4% |
| Cash at bank and in hand54/58 | €499k | €51k | €31k | €175k | €71k | ▼ 59.2% |
| Deferred charges and accrued income490/1 | €4k | €10k | €10k | €10k | €10k | ▲ 0.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.57M | €1.42M | €1.42M | €1.42M | €1.46M | ▲ 2.8% |
| Equity10/15 | €1.38M | €1.39M | €1.39M | €1.40M | €1.45M | ▲ 3.2% |
| Contributions10/11 | €870k | €870k | €870k | €870k | €870k | = |
| Capital10 | €870k | €870k | €870k | €870k | €870k | = |
| Issued capital100 | €870k | €870k | €870k | €870k | €870k | = |
| Reserves13 | €152k | €152k | €152k | €152k | €152k | = |
| Non-distributable reserves130/1 | €87k | €87k | €87k | €87k | €87k | = |
| Legal reserve130 | €87k | €87k | €87k | €87k | €87k | = |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €64k | €64k | €64k | €64k | €64k | = |
| Profit (loss) carried forward14 | €361k | €372k | €367k | €380k | €424k | ▲ 11.7% |
| Amounts payable17/49 | €192k | €22k | €28k | €23k | €18k | ▼ 23.0% |
| Amounts payable within one year42/48 | €168k | €22k | €26k | €23k | €18k | ▼ 23.0% |
| Trade debts44 | €164k | €15k | €24k | €19k | €12k | ▼ 36.3% |
| Suppliers440/4 | €164k | €15k | €24k | €19k | €12k | ▼ 36.3% |
| Taxes, remuneration and social security45 | €5k | €7k | €2k | €5k | €6k | ▲ 28.3% |
| Taxes450/3 | €5k | €7k | €2k | €5k | €6k | ▲ 28.3% |
| Accrued charges and deferred income492/3 | €24k | €0 | €3k | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €11k | €-5k | €13k | €45k | ▲ 251% |
| + Depreciation and write-downs630 | €65k | €46k | €54k | €59k | €56k | ▼ 4.1% |
| Operating cash flow (approximation) | €60k | €57k | €49k | €72k | €101k | ▲ 41.2% |
| Investment in fixed assets (approximation) | - | €-357k | €-140k | €-22k | €0 | ▲ 100% |
| Change in cash | - | €-448k | €-20k | €144k | €-104k | ▼ 172% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €45k ▲251%
Operating result €178, net result €45k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 48.51
Current ratio from 9.20 to 48.51; short-term debt falls from €168k to €22k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
Show earlier events
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wommelgem · 1 establishment unit since 1985
Ground area
8,904 m²
Building footprint
2,714 m²
Volume, LiDAR
22,663 m³
Parcel 11052C0166/00N000, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
30
companies at this address
See who is registered here
1 establishment unit
Koralenhoeve 35, 2160 Wommelgem
since 19852.028.000.576
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0166/00N000 | Flanders | 8,904 m² | 1 · 2,714 m² | 13.9 m · 3 fl. |
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.
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BE 0413.125.473
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RADETEC
BE 0809.975.734
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Of 505 companies in sector 46841 we hold annual accounts for 365. 281 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded11-10-1985
Fiscal year end31-12
Activities, NACEBEL 2025
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Scores and ratios are computed by Checked and are not a credit decision.