JaMaYa 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 €405k and a net result of €282k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 7980 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-10-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
3 d early
2023
7 d early
2022
10 d late
2021
3 d early
2020
30 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€405k▼ 8.1%
2024 · €441k
2019: €129k
2020: €177k
2021: €211k
2022: €262k
2023: €410k
2024: €441k
2019 → 2025
Net result
€282k▲ 21.8%
2024 · €231k
2019: €126k
2020: €199k
2021: €34k
2022: €201k
2023: €322k
2024: €231k
2019 → 2025
Total assets
€574k▼ 20.6%
2024 · €724k
2019: €523k
2020: €514k
2021: €514k
2022: €693k
2023: €663k
2024: €724k
2019 → 2025
Solvency
70.6%▲ 9.6pp
2024 · 60.9%
2019: 24.6%
2020: 34.5%
2021: 41.1%
2022: 37.9%
2023: 61.8%
2024: 60.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€262k▲ 24.4%€410k▲ 56.1%€441k▲ 7.6%€405k▼ 8.1%
Operating result€53k-€51k▼ 2.8%€50k▼ 3.0%€47k▼ 6.4%€44k▼ 5.0%
Net result€34k-€201k▲ 497%€322k▲ 60.0%€231k▼ 28.2%€282k▲ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €574k
Fixed assets
€480k=
Current assets
€94k▼ 61.3%
Equity and liabilities €574k
Equity
€405k▼ 8.1%
Debt
€169k▼ 40.2%
The debt ratio falls from 39.1% to 29.4%. Equity and debt are lower.
Key figures and ratios
Solvency
70.6%▲
2024 · 60.9%
ROE
69.5%▲
2024 · 52.5%
ROA
49.0%▲
2024 · 32.0%
Debt
€169k▼
2024 · €283k
Debt ≤ 1 year
€165k▼
2024 · €279k
Income taxes
€13k▼
2024 · €16k
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€724k€574k▼
Fixed assets21/28€480k€480k=
Financial fixed assets28€480k€480k=
Current assets29/58€244k€94k▼
Amounts receivable within one year40/41€25k€10k▼
Trade receivables40€16k€10k▼
Other amounts receivable41€10k-
Cash at bank and in hand54/58€218k€84k▼
Deferred charges and accrued income490/1€696€726▲
Equity and liabilities
Total equity and liabilities10/49€724k€574k▼
Equity10/15€441k€405k▼
Contributions10/11€100k€100k=
Reserves13€341k€305k▼
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€331k€295k▼
Amounts payable17/49€283k€169k▼
Amounts payable within one year42/48€279k€165k▼
Current portion of amounts payable after more than one year42€230k€121k▼
Trade debts44€281€258▼
Suppliers440/4€281€258▼
Taxes, remuneration and social security45€932€15k▲
Taxes450/3€932€15k▲
Other amounts payable47/48€47k€29k▼
Accrued charges and deferred income492/3€4k€4k=
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€48k€47k▼
Operating profit (loss)9901€47k€44k▼
Financial income75/76B€200k€251k▲
Recurring financial income75€200k€251k▲
Financial charges65/66B€55€40▼
Recurring financial charges65€55€40▼
Profit (loss) for the period before taxes9903€247k€295k▲
Income taxes67/77€16k€13k▼
Profit (loss) for the period9904€231k€282k▲
Profit (loss) for the period to be appropriated9905€231k€282k▲
Appropriation of the result
Profit (loss) to be appropriated9906€231k€282k▲
Transfer from equity791/2-€67k
Transfer to equity691/2€31k€32k▲
To other reserves6921€31k€32k▲
Profit to be distributed694/7€200k€317k▲
Return on contributions (dividend)694€200k€317k▲
The notes to these accounts (4 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
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €322k ▲60%
Net result €322k, the highest in the series.
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €34k ▼83%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €200kEq €211k ▲19%
3 profitable years in a row build equity to €211k.
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Equity above €150kEq €177k ▲38%
2 profitable years in a row build equity to €177k.
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-10
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
1 act for this company is 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, Aartselaar · 1 establishment unit since 2014
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.
Dennenlaan 262630 AartselaarGround area
609 m²
Building footprint
140 m²
Volume, LiDAR
712 m³
Parcel 11372D0224/00A002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
YaMaHa
since 20142.231.102.740
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372D0224/00A002 | Flanders | 609 m² | 1 · 140 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-03-2014
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.