JAMAR CONSULTING · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JAMAR CONSULTING is 1.2% (low). The 2022 annual accounts show equity of €185k and a net result of €2k. Equity is growing by ~17.2% per year across the filed fiscal years. The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2023 was due at the National Bank by 31-07-2024. Nothing is on record today, 740 days later. 3 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 07-11-2023, 99 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	nothing on record	not filed	-
31-12-2022	31-07-2023	07-11-2023	99 d late	2023-00507328
31-12-2021	31-07-2022	19-07-2022	12 d early	2022-20209363
31-12-2020	31-07-2021	26-10-2021	87 d late	2021-73100293
31-12-2019	31-07-2020	30-07-2020	1 d early	2020-36400312
31-12-2018	31-07-2019	21-08-2019	21 d late	2019-48300569
31-12-2017	31-07-2018	25-06-2018	36 d early	2018-22100032
31-12-2016	31-07-2017	31-08-2017	31 d late	2017-56100562
31-12-2015	31-07-2016	18-06-2016	43 d early	2016-19300083
31-12-2014	31-07-2015	23-06-2015	38 d early	2015-20100497

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1996, 30 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.2% Low

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€2k-53.1%

Working capital€104k-10.1%

CSV export

Annual accounts & ratios

Source: NBB · 2022

Annual accounts filed on 07-11-2023 with the NBB · fiscal year 2022 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~17.2%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€29k

+35.9% 18-22

Net profit

€2k

-53.1% 18-22

Cash flow

€16k

-12.3% 18-22

Total assets

€551k

-10.4% 18-22

Equity

€185k

+1.1% 18-22

Working capital

€104k

-10.1% 18-22

Income taxes

€706

-57.7% 18-22

Debt

€366k

-15.2% 18-22

Debt ≤ 1y

€39k

-49.3% 18-22

Debt > 1y

€327k

-8.0% 18-22

Current ratio

3.68

+46.5% 18-22

Quick ratio

3.68

+46.5% 18-22

Solvency

33.5%

+12.8% 18-22

Debt / equity

1.98

-16.2% 18-22

ROE

1.1%

-53.6% 18-22

ROA

0.4%

-47.7% 18-22

Interest coverage

1.83

+1.8% 18-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	€29k
Net profit	€2k
Cash flow	€16k
Staff costs	-
Income taxes	€706
Dividends	-
Total assets	€551k
Equity	€185k
Debt	€366k
of which ≤ 1y	€39k
of which > 1y	€327k
Working capital	€104k
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	3.68
Quick ratio	3.68
Working capital ratio	18.9%
Solvency	33.5%
Debt / equity	1.98
Long-term debt ratio	1.77
Interest coverage	1.83
Gross margin	-
Net margin	-
ROA	0.4%
ROE	1.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Assets

Fixed assets €408k · 74.1% Current assets €143k · 25.9%

Equity & liabilities

Equity €185k · 33.5% Debt €366k · 66.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€551k
Fixed assets	21/28	€408k
Tangible fixed assets	22/27	€408k
Current assets	29/58	€143k
Amounts receivable within one year	40/41	€37k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€551k
Equity	10/15	€185k
Contributions / capital	10/11	€62k
Reserves	13	€6k
Accumulated profits (losses)	14	€117k
Amounts payable	17/49	€366k
Amounts payable after one year	17	€327k
Amounts payable within one year	42/48	€39k
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€32k
Operating result	9901	€15k
Financial income	75	€4k
Financial charges	65	€16k
Result before taxes	9903	€3k
Income taxes	67/77	€706
Net result for the period	9904	€2k
Result to be appropriated	9905	€2k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2022 · computed

74 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

JAMAR CONSULTING NV

E 3 laan 44-46, 9800 DeinzeProductie van legeringen van edele metalen

since 19962.122.418.594

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area9,840 m²

Buildings2

Building footprint4,109 m²

Volume (LiDAR)1,143 m³

Tallest building8.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44054B0826/00T000	Flanders	8,619 m²	1 · 3,898 m²	0.1 m
42023A1107/00L000	Flanders	1,221 m²	1 · 211 m²	8.4 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes

66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 74

Profitability 5

Solvency 75

Growth 78

Stability 100

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Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameNL

JAMAR CONSULTING

Registered office

Patotterijstraat 5

9250 Waasmunster, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.