JAMAR STEVEN
ActiveJAMAR STEVEN has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €35k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-1
Solvency67▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 2.74 in 2024; short-term debt: 23.7% and cash: 1.7% of total assets), but 58.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
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
41.6%
Return on assets
8.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
26 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
35 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€176k▲ 3.1%
2024 · €170k
2018: €97k
2019: €109k
2020: €135k
2021: €147k
2022: €152k
2023: €166k
2024: €170k
2018 → 2025
Total assets
€422k▲ 14.3%
2024 · €370k
2018: €210k
2019: €239k
2020: €263k
2021: €247k
2022: €386k
2023: €366k
2024: €370k
2018 → 2025
Net result
€35k▲ 3.2%
2024 · €34k
2018: €55k
2019: €57k
2020: €61k
2021: €47k
2022: €25k
2023: €35k
2024: €34k
2018 → 2025
Working capital
€116k▼ 8.2%
2024 · €126k
2018: €90k
2019: €103k
2020: €128k
2021: €125k
2022: €109k
2023: €125k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€152k▲ 3.3%€166k▲ 9.7%€170k▲ 2.5%€176k▲ 3.1%
Operating result€48k-€38k▼ 22.3%€34k▼ 8.6%€45k▲ 29.6%€38k▼ 14.9%
Net result€47k-€25k▼ 47.1%€35k▲ 39.7%€34k▼ 1.6%€35k▲ 3.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €422k
Fixed assets
€206k▲ 20.4%
Current assets
€216k▲ 8.9%
Equity and liabilities €422k
Equity
€176k▲ 3.1%
Debt
€247k▲ 23.8%
The debt ratio rises from 53.9% to 58.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €52k
Cash flow
€50k▲
2024 · €42k
Solvency
41.6%▼
2024 · 46.1%
Current ratio
2.15▼
2024 · 2.74
Quick ratio
2.15▼
2024 · 2.74
Debt / equity
1.40▲
2024 · 1.17
ROE
20.0%▲
2024 · 20.0%
ROA
8.3%▼
2024 · 9.2%
Interest coverage
11.15▼
2024 · 17.24
Debt
€247k▲
2024 · €199k
Debt ≤ 1 year
€100k▲
2024 · €72k
Debt > 1 year
€141k▲
2024 · €123k
Income taxes
€-3k▼
2024 · €8k
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€370k€422k▲
Fixed assets21/28€171k€206k▲
Tangible fixed assets22/27€171k€206k▲
Land and buildings22€169k€170k▲
Plant, machinery and equipment23€956€2k▲
Furniture and vehicles24€2k€0▼
Leasing and similar rights25-€35k
Current assets29/58€198k€216k▲
Amounts receivable after more than one year29€39k€39k=
Other amounts receivable291€39k€39k=
Amounts receivable within one year40/41€132k€164k▲
Trade receivables40€55k€75k▲
Other amounts receivable41€77k€90k▲
Cash at bank and in hand54/58€25k€7k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€370k€422k▲
Equity10/15€170k€176k▲
Contributions10/11€8k€8k=
Reserves13€34k€38k▲
Distributable reserves133€34k€38k▲
Profit (loss) carried forward14€129k€129k▲
Amounts payable17/49€199k€247k▲
Amounts payable after more than one year17€123k€141k▲
Financial debts170/4€123k€141k▲
Amounts payable within one year42/48€72k€100k▲
Current portion of amounts payable after more than one year42€10k€19k▲
Trade debts44€13k€34k▲
Suppliers440/4€13k€34k▲
Taxes, remuneration and social security45€19k€17k▼
Taxes450/3€19k€17k▼
Other amounts payable47/48€30k€30k=
Accrued charges and deferred income492/3€4k€5k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€15k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€235€431▲
Gross operating margin9900€55k€55k▲
Operating profit (loss)9901€45k€38k▼
Financial income75/76B€63€463▲
Recurring financial income75€63€463▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€5k▲
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€42k€33k▼
Income taxes67/77€8k€-3k▼
Profit (loss) for the period9904€34k€35k▲
Profit (loss) for the period to be appropriated9905€34k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€164k▲
Profit (loss) brought forward from the previous period14P€128k€129k▲
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
Profit to be distributed694/7€30k€30k=
Directors or managers695€30k€30k=
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €25k ▼47.1%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €152k ▲3.3%
5 profitable years in a row build equity to €152k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €61k ▲6.1%
Operating result €69k, net result €61k, both a record.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 35 days late
2019
31-12
Financial
Equity above €100kEq €109k ▲12.5%
2 profitable years in a row build equity to €109k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Alken · 1 establishment unit since 2002
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.
Steenweg 523570 AlkenGround area
1,293 m²
Building footprint
251 m²
Volume, LiDAR
1,465 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Muizenstraat 2 A, 3891 Gingelom
since 20022.095.720.236
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73001B0765/00P002 | Flanders | 843 m² | 1 · 138 m² | 9.2 m · 2 fl. |
| 71010A0350/00V000 | Flanders | 450 m² | 1 · 114 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
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VAN CLEYNENBREUGEL BART
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AD-VERHOEVEN
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HERRIJGERS
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2001
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.