Active BE 0839.060.490Private limited company

JAMAR HOLDING

Rue Lieut.Col.Maniette(TX) 19 ·5020 Namur, Belgium· 15 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

The KBO register records legal situation 050 for JAMAR HOLDING (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2024 annual accounts show equity of €212k and a net result of €-13k.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€212k
Net result	€-13k
Better than sector	38%
Active	15 yrs

Financial profile 5 of 5 axes measured · computed by Checked

19 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 0

Solvency 44

Growth 52

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

0 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Trust signals 1 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

0 / 100 Critical

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.

Indicative credit limit

No credit

open bankruptcy

Score history

10 2021

41 2022

41 2023

15 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.47 (< 1.0) -10

Quick ratio Quick ratio 0.47 (< 0.6) -5

Leverage Debt/equity 1.83 (< 2.0) +3

Profitability Negatieve ROE -6% -10

Interest coverage Interest coverage -4.7× (< 1.5×) -10

Profit trend Net profit down YoY -3

Bankruptcy Open bankruptcy in the KBO legal situation -60

Computed by Checked from the NBB filing for FY 2024 and the legal situation the KBO register itself records. Indicative, not credit advice.

Financial overview13 NBB filings

Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · full schema

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	35.3%	48.8%	better than 38% of 4626 sector peers
Net result	€-13k	€45k	better than 18% of 4629 sector peers
Equity	€212k	€529k	better than 35% of 4632 sector peers
Gross operating margin	€-3k	€82k	better than 13% of 3513 sector peers
Total assets	€601k	€1.52M	better than 31% of 4631 sector peers

EBITDA

€-10k

- 21-24

Net profit

€-13k

- 21-24

Cash flow

€-10k

-2558.5% 21-24

Total assets

€601k

+12.3% 21-24

Equity

€212k

-5.9% 21-24

Working capital

€-161k

-24.7% 21-24

Employees (FTE)

0

-60.0% 21-24

Staff costs

€24k

+37.9% 21-24

Income taxes

€85

-88.3% 21-24

Debt

€389k

+25.6% 21-24

Debt ≤ 1y

€301k

+11.8% 21-24

Debt > 1y

€87k

+118.6% 21-24

Current ratio

0.47

-10.6% 21-24

Quick ratio

0.47

-10.6% 21-24

Solvency

35.3%

-16.2% 21-24

Debt / equity

1.83

+33.5% 21-24

ROE

-6.3%

- 21-24

ROA

-2.2%

- 21-24

Interest coverage

-4.72

- 21-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021
Deposit	full schema	full schema	full schema	micro schema
Revenue	-	-	-	-
EBITDA	€-10k	-	-	€4k
Net profit	€-13k	€59	€19k	€-1k
Cash flow	€-10k	-	-	€-372
Staff costs	-	-	€24k	€17k
Income taxes	€85	€729	€6k	€-2k
Dividends	-	-	-	-
Total assets	€601k	€536k	€1.24M	€938k
Equity	€212k	€226k	€226k	€207k
Debt	€389k	€310k	€1.02M	€731k
of which ≤ 1y	€301k	€270k	€963k	€657k
of which > 1y	€87k	€40k	€55k	€74k
Working capital	€-161k	€-129k	€-114k	€-114k
Employees (FTE)	-	-	0.4	1.0

Note: these years are not on the same basis. The filed schemas differ (full schema, micro schema), so the columns are not directly comparable.

Ratios (computed)

	2024	2023	2022	2021
Current ratio	0.47	0.52	0.88	0.83
Quick ratio	0.47	0.52	0.88	0.83
Working capital ratio	-26.8%	-24.1%	-9.2%	-12.2%
Solvency	35.3%	42.2%	18.1%	22.1%
Debt / equity	1.83	1.37	4.51	3.53
Long-term debt ratio	0.41	0.18	0.25	0.36
Interest coverage	-4.72	-	-	0.65
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	-2.2%	0.0%	1.5%	-0.1%
ROE	-6.3%	0.0%	8.4%	-0.5%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €461k · 76.7% Current assets €140k · 23.3%

Equity & liabilities

Equity €212k · 35.3% Debt €389k · 64.7%

Full annual accounts (25 line items)

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

Line item	Code	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€601k	€536k	€1.24M	€938k
Fixed assets	21/28	€461k	€395k	€395k	€395k
Formation expenses	20	€0	€0	-	-
Tangible fixed assets	22/27	€66k	€0	-	-
Financial fixed assets	28	€395k	€395k	€395k	€395k
Current assets	29/58	€140k	€140k	€849k	€543k
Amounts receivable within one year	40/41	€113k	€116k	€40k	€35k
Cash & bank	54/58	€24k	€23k	€808k	€506k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€601k	€536k	€1.24M	€938k
Equity	10/15	€212k	€226k	€226k	€207k
Contributions / capital	10/11	€130k	€130k	€130k	€130k
Reserves	13	€19k	€19k	€19k	€19k
Accumulated profits (losses)	14	€63k	€77k	€77k	€58k
Amounts payable	17/49	€389k	€310k	€1.02M	€731k
Amounts payable after one year	17	€87k	€40k	€55k	€74k
Amounts payable within one year	42/48	€301k	€270k	€963k	€657k
Trade debts payable within one year	44	€9k	€80k	€2k	€13k
Income statement
Gross operating margin	9900	€-3k	€1k	€52k	€24k
Operating result	9901	€-14k	€-119	€27k	€4k
Financial income	75	€3k	€2k	-	-
Financial charges	65	€2k	€1k	€2k	€7k
Result before taxes	9903	€-13k	€788	€25k	€-3k
Income taxes	67/77	€85	€729	€6k	€-2k
Net result for the period	9904	€-13k	€59	€19k	€-1k
Result to be appropriated	9905	€-13k	€59	€19k	€-1k

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	06-09-2011
Status	Active
Postal code	5020

Establishment units 1 location

JAMAR HOLDING

Rue Lieut.Col.Maniette(TX) 19, 5020 NamurGeneral construction of buildings

since 20122.210.499.049

Updates 10 events

All 12Financial 2Filings 10

2025

15-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Weakest financial yearnet €-13k ▼22732%

Net result drops to €-13k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 29 days late

2023

24-08

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 24 days late

2022

31-12

Financial Back to profitnet €19k

Net result €19k after one loss-making year.

19-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 19 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

06-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 67 days late

2019

23-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

2017

30-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 30 days late

2016

30-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 30 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

No credit: a bankruptcy procedure is open.

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting70220IT consultancy62020Computer consultancy and computer facilities management62200

Names & trade names

Legal nameFR

JAMAR HOLDING

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