Jamar Concept

Active

Private limited companyfounded 200917 yrs activeHeidebloemstraat 41, 3580 Beringen, BelgiumKBO/BCE: BE 0811.635.325

Jamar Concept has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €57k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Watch Print / PDF

Checked score

Score 2025

51 / 100

Fair▲ +36 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency1▼-32

Growth78=

Stability100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.02 against 0.07 in 2024), and 97.8% 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

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

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10230 sector peers (2025).

NBB · sector comparison

Position among 10230 sector peers

Solvency

better than 14%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 d early

2024

on the day

2023

1 d early

2022

3 d early

2021

2 d early

2020

5 d late

2019

1 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close13-09-2026 today31-10-2026 deadline

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 2025, abbreviated schema

Equity

€30k

2024 · €-27k

2019: €-72k 2020: €-92k 2021: €122k 2022: €78k 2023: €-12k 2024: €-27k

2019 → 2025

Total assets

€1.34M▲ 30.2%

2024 · €1.03M

2019: €764k 2020: €763k 2021: €1.22M 2022: €1.03M 2023: €786k 2024: €1.03M

2019 → 2025

Net result

€57k

2024 · €-15k

2019: €-74k 2020: €-20k 2021: €214k 2022: €-44k 2023: €-91k 2024: €-15k

2019 → 2025

Working capital

€-856k▼ 19.4%

2024 · €-717k

2019: €-90k 2020: €-109k 2021: €547k 2022: €10k 2023: €-397k 2024: €-717k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€122k-€78k▼ 35.8%€-12k€-27k▼ 121%€30k

Operating result€283k-€-31k€-79k▼ 156%€-10k▲ 87.4%€63k

Net result€214k-€-44k€-91k▼ 107%€-15k▲ 83.5%€57k

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: €63k after a loss of €10k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.34M

98.4%

Fixed assets €1.32M▲ 34.7%

Current assets €21k▼ 57.2%

Equity and liabilities €1.34M

93.5%

Equity €30k

Provisions €57k

Debt €1.25M

Debt finances 93.5% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€65k▲

2024 · €-9k

Cash flow

€60k▲

2024 · €-14k

Solvency

2.2%▲

2024 · -2.7%

Current ratio

0.02▼

2024 · 0.07

Quick ratio

0.02▼

2024 · 0.07

Debt / equity

41.91▲

2024 · -36.57

ROE

191.4%▲

2024 · 54.8%

ROA

4.3%▲

2024 · -1.5%

Interest coverage

10.92▲

2024 · -1.66

Debt

€1.25M▲

2024 · €1.00M

Debt ≤ 1 year

€877k▲

2024 · €767k

Debt > 1 year

€375k▲

2024 · €231k

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€1.03M€1.34M▲

Fixed assets21/28€980k€1.32M▲

Tangible fixed assets22/27€974k€1.31M▲

Land and buildings22€323k€322k▼

Plant, machinery and equipment23€87-

Furniture and vehicles24€3k€2k▼

Assets under construction and advance payments27€647k€990k▲

Financial fixed assets28€6k€6k=

Current assets29/58€50k€21k▼

Amounts receivable within one year40/41€41k€13k▼

Trade receivables40€28k€13k▼

Other amounts receivable41€12k€236▼

Cash at bank and in hand54/58€4k€4k▲

Deferred charges and accrued income490/1€6k€4k▼

Equity and liabilities

Total equity and liabilities10/49€1.03M€1.34M▲

Equity10/15€-27k€30k▲

Contributions10/11€30k€30k=

Reserves13€229k€229k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Tax-exempt reserves132€228k€228k=

Profit (loss) carried forward14€-287k€-229k▲

Provisions and deferred taxes16€57k€57k=

Deferred taxes168€57k€57k=

Amounts payable17/49€1.00M€1.25M▲

Amounts payable after more than one year17€231k€375k▲

Other amounts payable178/9€231k€375k▲

Amounts payable within one year42/48€767k€877k▲

Financial debts43€677k€792k▲

Credit institutions430/8€677k€792k▲

Trade debts44€37k€19k▼

Suppliers440/4€37k€19k▼

Taxes, remuneration and social security45€23k€35k▲

Taxes450/3-€6k

Remuneration and social security454/9€23k€30k▲

Other amounts payable47/48€29k€31k▲

Accrued charges and deferred income492/3€3k€3k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€769€2k▲

Other operating charges640/8€5k€6k▲

Non-recurring operating charges66A€9k-

Gross operating margin9900€5k€71k▲

Operating profit (loss)9901€-10k€63k▲

Financial income75/76B€348€653▲

Recurring financial income75€348€653▲

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€-15k€57k▲

Profit (loss) for the period9904€-15k€57k▲

Profit (loss) for the period to be appropriated9905€-15k€57k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-287k€-229k▲

Profit (loss) brought forward from the previous period14P€-272k€-287k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

Next filing, fiscal year 2026, expected by 31-10-2026

2025

30-10

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

31-03

Financial Back to profitnet €57k

Net result €57k after 3 loss-making years.

2024

31-10

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2023

30-10

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

31-03

Financial Weakest financial yearnet €-91k

Net result drops to €-91k, the lowest in the series; recovery starts the following year.

2022

28-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

29-10

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

31-03

Financial Back to profitnet €214k

Net result €214k after 2 loss-making years.

31-03

Financial Liquidity times 21current ratio 4.44

Current ratio from 0.21 to 4.44.

31-03

Financial Equity above €100kEq €122k

Equity rises from €-92k to €122k.

2020

05-11

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 5 days late

2019

30-10

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2018

25-10

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2017

23-10

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2016

03-10

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.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

16-10-2025 BV KRISMART: Resigned as Director

16-10-2025 RUYSEN Robby Frans Juliana: Resigned as Director

24-05-2018 Ruysen Natasha: Resigned as Manager

Location & real-estate footprint

Registered office, Beringen · 2 establishment units since 2009

establishment All 2 establishment units 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.

Heidebloemstraat 413580 Beringen

Ground area

1,008 m²

Building footprint