Summary
JAMD Management 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 €17,619 and a net result of €1,012. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 5593 sector peers (fiscal year 2025). The company has been active since 2017 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
32 d early
2024
24 d early
2023
23 d early
2022
27 d early
2021
33 d early
2020
15 d early
2019
29 d early
← 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 26 days before 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 4 July (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
Equity
€17,619▲ 6.1%
2024 · €16,607
Net result
€1,012▼ 71.3%
2024 · €3,522
Total assets
€52,767▼ 16.8%
2024 · €63,398
Solvency
33.4%▲ 7.2pp
2024 · 26.2%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,716▲ 91.5%€3,596▲ 32.4%€480▼ 86.7%€3,676▲ 666%€1,801▼ 51.0%
Net result€2,575below the sector's middle half▲ 103%€3,444below the sector's middle half▲ 33.7%€324below the sector's middle half▼ 90.6%€3,522below the sector's middle half▲ 986%€1,012below the sector's middle half▼ 71.3%
Equity€9,316below the sector's middle half▲ 38.2%€12,760below the sector's middle half▲ 37.0%€13,085below the sector's middle half▲ 2.5%€16,607below the sector's middle half▲ 26.9%€17,619below the sector's middle half▲ 6.1%
Total assets€34,115below the sector's middle half▼ 13.9%€46,399below the sector's middle half▲ 36.0%€69,059below the sector's middle half▲ 48.8%€63,398below the sector's middle half▼ 8.2%€52,767below the sector's middle half▼ 16.8%
Debt€24,799▼ 24.6%€33,638▲ 35.6%€55,974▲ 66.4%€46,791▼ 16.4%€35,148▼ 24.9%
Working capital€9,316within the sector's middle half▲ 38.2%€13,108within the sector's middle half▲ 40.7%€13,085within the sector's middle half▼ 0.2%€16,994within the sector's middle half▲ 29.9%€17,619within the sector's middle half▲ 3.7%
Solvency27.3%within the sector's middle half▲ 10.3pp27.5%within the sector's middle half▲ 0.2pp18.9%below the sector's middle half▼ 8.6pp26.2%within the sector's middle half▲ 7.2pp33.4%within the sector's middle half▲ 7.2pp
Current ratio1.38within the sector's middle half▲ 0.171.39within the sector's middle half▲ 0.021.23within the sector's middle half▼ 0.161.37within the sector's middle half▲ 0.131.50within the sector's middle half▲ 0.14
Return on assets (ROA)7.5%within the sector's middle half▲ 4.3pp7.4%within the sector's middle half▼ 0.1pp0.5%within the sector's middle half▼ 7.0pp5.6%within the sector's middle half▲ 5.1pp1.9%within the sector's middle half▼ 3.6pp
Staff (FTE)1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within 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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €52,767
Equity
€17,619 ▲ 6.1%
Debt
€35,148 ▼ 24.9%
Debt's share of the balance-sheet total falls from 73.8% to 66.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.7%▼
2024 · 21.2%
Debt ≤ 1 year
€35,148▼
2024 · €46,403
Income taxes
€635
Staff costs
€129,012▲
2024 · €123,909
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €95,496 | €105,916 | €119,442 | €123,909 | €129,012 | ▲ 4.1% |
| Other operating charges640/8 | €527 | €657 | €480 | €913 | €1,470 | ▲ 61.1% |
| Gross operating margin9900 | €98,739 | €110,169 | €120,401 | €128,498 | €132,283 | ▲ 2.9% |
| Operating profit (loss)9901 | €2,716 | €3,596 | €480 | €3,676 | €1,801 | ▼ 51.0% |
| Financial income75/76B | - | €1 | €0 | - | - | - |
| Recurring financial income75 | - | €1 | €0 | - | - | - |
| Financial charges65/66B | €141 | €153 | €155 | €153 | €153 | = |
| Recurring financial charges65 | €141 | €153 | €155 | €153 | €153 | = |
| Profit (loss) for the period before taxes9903 | €2,575 | €3,444 | €324 | €3,522 | €1,647 | ▼ 53.2% |
| Income taxes67/77 | - | - | - | - | €635 | - |
| Profit (loss) for the period9904 | €2,575 | €3,444 | €324 | €3,522 | €1,012 | ▼ 71.3% |
| Profit (loss) for the period to be appropriated9905 | €2,575 | €3,444 | €324 | €3,522 | €1,012 | ▼ 71.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €34,115 | €46,399 | €69,059 | €63,398 | €52,767 | ▼ 16.8% |
| Current assets29/58 | €34,115 | €46,399 | €69,059 | €63,398 | €52,767 | ▼ 16.8% |
| Amounts receivable within one year40/41 | €27,643 | €32,045 | €59,473 | €17,170 | €28,123 | ▲ 63.8% |
| Trade receivables40 | €20,919 | €22,650 | €58,089 | €13,884 | €24,263 | ▲ 74.8% |
| Other amounts receivable41 | €6,724 | €9,395 | €1,384 | €3,286 | €3,860 | ▲ 17.5% |
| Cash at bank and in hand54/58 | €6,473 | €14,354 | €9,586 | €46,228 | €24,644 | ▼ 46.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €34,115 | €46,399 | €69,059 | €63,398 | €52,767 | ▼ 16.8% |
| Equity10/15 | €9,316 | €12,760 | €13,085 | €16,607 | €17,619 | ▲ 6.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€9,284 | -€5,840 | -€5,515 | -€1,993 | -€981 | ▲ 50.8% |
| Amounts payable17/49 | €24,799 | €33,638 | €55,974 | €46,791 | €35,148 | ▼ 24.9% |
| Amounts payable within one year42/48 | €24,799 | €33,291 | €55,974 | €46,403 | €35,148 | ▼ 24.3% |
| Trade debts44 | €0 | €327 | €17,621 | €4,873 | €1,576 | ▼ 67.7% |
| Suppliers440/4 | €0 | €327 | €17,621 | €4,873 | €1,576 | ▼ 67.7% |
| Taxes, remuneration and social security45 | €24,799 | €32,964 | €38,354 | €41,530 | €33,572 | ▼ 19.2% |
| Taxes450/3 | €10,089 | €17,403 | €21,195 | €16,239 | €13,183 | ▼ 18.8% |
| Remuneration and social security454/9 | €14,710 | €15,561 | €17,158 | €25,291 | €20,389 | ▼ 19.4% |
| Accrued charges and deferred income492/3 | - | €348 | €0 | €387 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,575 | €3,444 | €324 | €3,522 | €1,012 | ▼ 71.3% |
| Operating cash flow (approximation) | €2,575 | €3,444 | €324 | €3,522 | €1,012 | ▼ 71.3% |
| Change in cash | - | €7,881 | -€4,768 | €36,642 | -€21,584 | ▼ 159% |
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €3,522 ▲986%
Operating result €3,676, net result €3,522, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €1,268
Net result €1,268 after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lanaken · 1 establishment unit since 2017
Ground area
1,072 m²
Building footprint
1,072 m²
Volume, LiDAR
9,054 m³
Parcel 73322A0247/00G000, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
JAMD Management
since 20172.272.449.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73322A0247/00G000 | Flanders | 1,072 m² | 1 · 1,072 m² | 14.6 m · 3 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.
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Company details
Identification
Legal formPrivate limited company
Founded06-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0680776187
Also
9925:BE0680776187
Registered
04-09-2025
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.