Summary
JAMAS consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €776,603 and a net result of €592,390. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 26% of 5593 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
on the day
2022
on the day
2021
30 d late
2020
72 d late
2019
155 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by total assets in Kortenberg, Finance and insurance sector#8 oldest company in Kortenberg, Finance and insurance sector#10 company by equity in Kortenberg, Finance and insurance sector
Equity
€776,603▲ 102%
2024 · €385,047
Net result
€592,390▲ 359%
2024 · €129,097
Total assets
€3.2m▲ 177%
2024 · €1.1m
Solvency
24.6%▼ 9.2pp
2024 · 33.8%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€105,553▲ 51.0%€122,224▲ 15.8%€130,829▲ 7.0%€132,026▲ 0.9%€711,135▲ 439%
Net result€116,495above the sector's middle half▲ 38.1%€143,218above the sector's middle half▲ 22.9%€131,360above the sector's middle half▼ 8.3%€129,097above the sector's middle half▼ 1.7%€592,390above the sector's middle half▲ 359%
Equity€459,454above the sector's middle half▲ 34.0%€409,603above the sector's middle half▼ 10.8%€368,873within the sector's middle half▼ 9.9%€385,047within the sector's middle half▲ 4.4%€776,603within the sector's middle half▲ 102%
Total assets€804,769within the sector's middle half▲ 7.4%€1.3mabove the sector's middle half▲ 58.9%€1.1mabove the sector's middle half▼ 12.3%€1.1mabove the sector's middle half▲ 1.6%€3.2mwithin the sector's middle half▲ 177%
Debt€345,316▼ 15.0%€869,180▲ 152%€752,360▼ 13.4%€753,843▲ 0.2%€2.4m▲ 215%
Working capital€315,596above the sector's middle half▲ 63.6%€133,998within the sector's middle half▼ 57.5%€75,409within the sector's middle half▼ 43.7%€47,332within the sector's middle half▼ 37.2%-€1.4mbelow the sector's middle half
Solvency57.1%within the sector's middle half▲ 11.3pp32.0%within the sector's middle half▼ 25.1pp32.9%within the sector's middle half▲ 0.9pp33.8%within the sector's middle half▲ 0.9pp24.6%within the sector's middle half▼ 9.2pp
Current ratio4.92above the sector's middle half▲ 2.321.43within the sector's middle half▼ 3.491.31within the sector's middle half▼ 0.121.17within the sector's middle half▼ 0.150.11below the sector's middle half▼ 1.06
Return on assets (ROA)14.5%within the sector's middle half▲ 3.2pp11.2%within the sector's middle half▼ 3.3pp11.7%within the sector's middle half▲ 0.5pp11.3%within the sector's middle half▼ 0.4pp18.8%above the sector's middle half▲ 7.5pp
Staff (FTE)0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Net result +359% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 439% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.2m
Fixed assets
€3.0m ▲ 270%
Current assets
€169,364 ▼ 49.0%
Equity and liabilities €3.2m
Equity
€776,603 ▲ 102%
Debt
€2.4m ▲ 215%
Debt's share of the balance-sheet total rises from 66.2% to 75.4%. Equity and debt are higher.
Key figures and ratios
ROE
76.3%▲
2024 · 33.5%
Debt ≤ 1 year
€1.5m▲
2024 · €284,981
Debt > 1 year
€835,162▲
2024 · €468,162
Income taxes
€103,452▲
2024 · €40,689
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €16,335 | €0 | - | €557,700 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,357 | €24,209 | €36,701 | €40,570 | €34,918 | ▼ 13.9% |
| Other operating charges640/8 | €4,568 | €6,003 | €4,450 | €5,068 | €1,303 | ▼ 74.3% |
| Non-recurring operating charges66A | €4,403 | €0 | - | - | - | - |
| Gross operating margin9900 | €141,880 | €152,436 | €171,980 | €177,664 | €747,356 | ▲ 321% |
| Operating profit (loss)9901 | €105,553 | €122,224 | €130,829 | €132,026 | €711,135 | ▲ 439% |
| Financial income75/76B | €57,655 | €62,348 | €49,103 | €54,015 | €344 | ▼ 99.4% |
| Recurring financial income75 | €57,655 | €62,348 | €49,103 | €54,015 | €344 | ▼ 99.4% |
| Financial charges65/66B | €8,043 | €10,781 | €17,380 | €16,255 | €15,636 | ▼ 3.8% |
| Recurring financial charges65 | €8,043 | €10,781 | €17,380 | €16,255 | €15,636 | ▼ 3.8% |
| Profit (loss) for the period before taxes9903 | €155,166 | €173,791 | €162,552 | €169,786 | €695,842 | ▲ 310% |
| Income taxes67/77 | €38,671 | €30,574 | €31,192 | €40,689 | €103,452 | ▲ 154% |
| Profit (loss) for the period9904 | €116,495 | €143,218 | €131,360 | €129,097 | €592,390 | ▲ 359% |
| Profit (loss) for the period to be appropriated9905 | €116,495 | €143,218 | €131,360 | €129,097 | €592,390 | ▲ 359% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €804,769 | €1.3m | €1.1m | €1.1m | €3.2m | ▲ 177% |
| Fixed assets21/28 | €408,636 | €833,749 | €805,783 | €806,577 | €3.0m | ▲ 270% |
| Tangible fixed assets22/27 | €348,351 | €773,044 | €745,498 | €745,292 | €700,600 | ▼ 6.0% |
| Land and buildings22 | €344,905 | €745,695 | €726,225 | €720,411 | €688,632 | ▼ 4.4% |
| Plant, machinery and equipment23 | €1,664 | €1,387 | €1,109 | €13,623 | €11,968 | ▼ 12.2% |
| Furniture and vehicles24 | €1,783 | €25,962 | €18,164 | €11,258 | €0 | ▼ 100% |
| Financial fixed assets28 | €60,285 | €60,705 | €60,285 | €61,285 | €2.3m | ▲ 3,622% |
| Current assets29/58 | €396,133 | €445,035 | €315,449 | €332,313 | €169,364 | ▼ 49.0% |
| Amounts receivable after more than one year29 | €280,000 | €280,000 | €280,000 | €280,000 | €115,000 | ▼ 58.9% |
| Other amounts receivable291 | €280,000 | €280,000 | €280,000 | €280,000 | €115,000 | ▼ 58.9% |
| Amounts receivable within one year40/41 | €53,938 | €158,940 | €27,003 | €37,800 | €33,464 | ▼ 11.5% |
| Trade receivables40 | €26,720 | €27,022 | €646 | €29,011 | €33,367 | ▲ 15.0% |
| Other amounts receivable41 | €27,218 | €131,918 | €26,357 | €8,788 | €98 | ▼ 98.9% |
| Current investments50/53 | €55,000 | €0 | €745 | €4,607 | €20,249 | ▲ 340% |
| Cash at bank and in hand54/58 | €5,267 | €2,943 | €4,345 | €4,231 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | €1,928 | €3,151 | €3,356 | €5,676 | €650 | ▼ 88.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €804,769 | €1.3m | €1.1m | €1.1m | €3.2m | ▲ 177% |
| Equity10/15 | €459,454 | €409,603 | €368,873 | €385,047 | €776,603 | ▲ 102% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €453,254 | €403,403 | €362,673 | €378,847 | €770,403 | ▲ 103% |
| Non-distributable reserves130/1 | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €988 | €988 | €988 | €988 | €988 | = |
| Distributable reserves133 | €450,406 | €402,415 | €361,685 | €377,859 | €769,415 | ▲ 104% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €345,316 | €869,180 | €752,360 | €753,843 | €2.4m | ▲ 215% |
| Amounts payable after more than one year17 | €264,778 | €558,143 | €512,320 | €468,162 | €835,162 | ▲ 78.4% |
| Financial debts170/4 | €264,778 | €558,143 | €512,320 | €468,162 | €835,162 | ▲ 78.4% |
| Amounts payable within one year42/48 | €80,537 | €311,037 | €240,040 | €284,981 | €1.5m | ▲ 440% |
| Current portion of amounts payable after more than one year42 | €20,830 | €44,675 | €45,824 | €84,157 | €1.3m | ▲ 1,460% |
| Financial debts43 | €13,313 | €22,169 | €26,344 | €13,806 | €36,294 | ▲ 163% |
| Credit institutions430/8 | €13,313 | €22,169 | €26,344 | €13,806 | €36,294 | ▲ 163% |
| Trade debts44 | €14,240 | €31,532 | €36,840 | €23,935 | €13,232 | ▼ 44.7% |
| Suppliers440/4 | €14,240 | €31,532 | €36,840 | €23,935 | €13,232 | ▼ 44.7% |
| Taxes, remuneration and social security45 | €32,154 | €19,593 | €43,942 | €23,619 | €103,402 | ▲ 338% |
| Taxes450/3 | €32,154 | €19,593 | €43,942 | €23,619 | €103,402 | ▲ 338% |
| Other amounts payable47/48 | €0 | €193,068 | €87,090 | €139,463 | €72,128 | ▼ 48.3% |
| Accrued charges and deferred income492/3 | - | - | - | €700 | €1,427 | ▲ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €116,495 | €143,218 | €131,360 | €129,097 | €592,390 | ▲ 359% |
| + Depreciation and write-downs630 | €27,357 | €24,209 | €36,701 | €40,570 | €34,918 | ▼ 13.9% |
| Operating cash flow (approximation) | €143,852 | €167,427 | €168,061 | €169,667 | €627,309 | ▲ 270% |
| Investment in fixed assets (approximation) | - | -€449,321 | -€8,736 | -€41,364 | -€2.2m | ▼ 5,243% |
| Change in cash | - | -€2,324 | €1,402 | -€115 | -€4,231 | ▼ 3,584% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €592,390 ▲359%
Operating result €711,135, net result €592,390, both a record.
31-12
Financial
Equity above €500,000Eq €776,603 ▲102%
8 profitable years in a row build equity to €776,603.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 72 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 155 days late
2020
31-12
Financial
Weakest financial yearnet €84,339 ▼32.1%
Net result drops to €84,339, the lowest in the series; recovery starts the following year.
2019
31-12
Financial
Equity above €200,000Eq €298,672 ▲71.2%
2 profitable years in a row build equity to €298,672.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Kortenberg · 1 establishment unit since 2011
Ground area
717 m²
Building footprint
177 m²
Volume, LiDAR
925 m³
Parcel 24055A0066/00M003, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JAMAS consulting
since 20112.200.840.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055A0066/00M003 | Flanders | 717 m² | 1 · 177 m² | 9.4 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
- Heartwood HoldingsubsidiarySourceown accounts 202560.22%
According to the 2025 annual accounts of JAMAS consulting and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,200 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
71112Activities of interior architects
82990Other business support services
86995Nutrition and dietetics services
93127Equestrian clubs
E-invoicing
Reachable via Peppol
Peppol ID
0208:0837383281
Also
9925:BE0837383281
Registered
13-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.