JaMe
ActiveSummary
JaMe has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€24,897) and a net result of €4,789. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 4801 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-4
Solvency19=
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.24 in 2024; short-term debt: 17.6% and cash: 0.2% of total assets), and equity is negative.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-5.9%
Return on assets
1.1%
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 03-09-2026, 34 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 · 4 filingsDeviation from the deadline
2025
34 d late
2024
42 d late
2023
61 d late
2022
67 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 51 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 21 September (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€24,897▲ 16.1%
2024 · -€29,686
Total assets
€419,737▼ 8.5%
2024 · €458,745
Net result
€4,789▲ 131%
2024 · €2,077
Working capital
-€69,028▲ 1.4%
2024 · -€69,995
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 96, Personal service activities, 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
Line2022202320242025
Operating result-€36,470-€3,010€9,038▲ 200%€13,361▲ 47.8%
Net result-€42,443below the sector's middle half--€4,320within the sector's middle half▲ 89.8%€2,077within the sector's middle half€4,789within the sector's middle half▲ 131%
Equity-€27,443below the sector's middle half--€31,763below the sector's middle half▼ 15.7%-€29,686below the sector's middle half▲ 6.5%-€24,897below the sector's middle half▲ 16.1%
Total assets€464,748above the sector's middle half-€466,875above the sector's middle half▲ 0.5%€458,745above the sector's middle half▼ 1.7%€419,737above the sector's middle half▼ 8.5%
Debt€492,191-€498,638▲ 1.3%€488,431▼ 2.0%€444,634▼ 9.0%
Working capital-€52,457below the sector's middle half--€72,645below the sector's middle half▼ 38.5%-€69,995below the sector's middle half▲ 3.6%-€69,028below the sector's middle half▲ 1.4%
Solvency-5.9%within the sector's middle half--6.8%within the sector's middle half▼ 0.9pp-6.5%within the sector's middle half▲ 0.3pp-5.9%within the sector's middle half▲ 0.5pp
Current ratio0.19below the sector's middle half-0.13below the sector's middle half▼ 0.060.24below the sector's middle half▲ 0.110.07below the sector's middle half▼ 0.17
Return on assets (ROA)-9.1%below the sector's middle half--0.9%within the sector's middle half▲ 8.2pp0.5%within the sector's middle half▲ 1.4pp1.1%within the sector's middle half▲ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €419,737
Fixed assets
€414,744 ▼ 5.0%
Current assets
€4,993 ▼ 77.6%
Equity and liabilities
Equity-€24,897
Debt€444,634
Equity is negative: debt (€444,634) exceeds the balance-sheet total (€419,737).
Key figures and ratios
EBITDA
€30,667▲
2024 · €28,742
Cash flow
€22,095▲
2024 · €21,781
Interest coverage
3.72▼
2024 · 4.27
Debt ≤ 1 year
€74,020▼
2024 · €92,334
Debt > 1 year
€370,614▼
2024 · €395,587
Income taxes
€320▲
2024 · €303
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 906 companies that looked in July 2024 the way this one looks now, 6.1% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit under 5% of the balance sheet
6.1%
went bankrupt
4.1%
stopped otherwise
89%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,552 | €19,423 | €19,704 | €17,306 | ▼ 12.2% |
| Other operating charges640/8 | €3,061 | €2,297 | €6,959 | €6,828 | ▼ 1.9% |
| Gross operating margin9900 | -€22,857 | €24,730 | €35,700 | €37,495 | ▲ 5.0% |
| Operating profit (loss)9901 | -€36,470 | €3,010 | €9,038 | €13,361 | ▲ 47.8% |
| Financial income75/76B | €1,960 | €90 | €74 | €0 | ▼ 100% |
| Recurring financial income75 | €1,960 | €90 | €74 | €0 | ▼ 100% |
| Financial charges65/66B | €7,933 | €7,104 | €6,732 | €8,252 | ▲ 22.6% |
| Recurring financial charges65 | €7,933 | €7,104 | €6,732 | €8,252 | ▲ 22.6% |
| Profit (loss) for the period before taxes9903 | -€42,443 | -€4,005 | €2,380 | €5,109 | ▲ 115% |
| Income taxes67/77 | - | €316 | €303 | €320 | ▲ 5.9% |
| Profit (loss) for the period9904 | -€42,443 | -€4,320 | €2,077 | €4,789 | ▲ 131% |
| Profit (loss) for the period to be appropriated9905 | -€42,443 | -€4,320 | €2,077 | €4,789 | ▲ 131% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €464,748 | €466,875 | €458,745 | €419,737 | ▼ 8.5% |
| Fixed assets21/28 | €452,453 | €456,110 | €436,406 | €414,744 | ▼ 5.0% |
| Intangible fixed assets21 | €1,752 | €919 | €86 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €450,701 | €455,191 | €436,321 | €414,744 | ▼ 4.9% |
| Land and buildings22 | €385,273 | €444,222 | €428,404 | €412,587 | ▼ 3.7% |
| Plant, machinery and equipment23 | €14,023 | €10,970 | €7,916 | €2,157 | ▼ 72.8% |
| Assets under construction and advance payments27 | €51,405 | €0 | - | - | - |
| Current assets29/58 | €12,295 | €10,765 | €22,338 | €4,993 | ▼ 77.6% |
| Amounts receivable within one year40/41 | €5,317 | €10,421 | €20,447 | €2,935 | ▼ 85.6% |
| Trade receivables40 | €4,332 | €5,687 | €16,182 | €2,502 | ▼ 84.5% |
| Other amounts receivable41 | €985 | €4,734 | €4,265 | €432 | ▼ 89.9% |
| Cash at bank and in hand54/58 | €3,093 | €0 | - | €780 | - |
| Deferred charges and accrued income490/1 | €3,885 | €344 | €1,891 | €1,278 | ▼ 32.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €464,748 | €466,875 | €458,745 | €419,737 | ▼ 8.5% |
| Equity10/15 | -€27,443 | -€31,763 | -€29,686 | -€24,897 | ▲ 16.1% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | -€42,443 | -€46,763 | -€44,686 | -€39,897 | ▲ 10.7% |
| Amounts payable17/49 | €492,191 | €498,638 | €488,431 | €444,634 | ▼ 9.0% |
| Amounts payable after more than one year17 | €427,043 | €415,229 | €395,587 | €370,614 | ▼ 6.3% |
| Financial debts170/4 | €427,043 | €415,229 | €395,587 | €370,614 | ▼ 6.3% |
| Amounts payable within one year42/48 | €64,753 | €83,410 | €92,334 | €74,020 | ▼ 19.8% |
| Current portion of amounts payable after more than one year42 | €23,990 | €24,314 | €24,641 | €24,974 | ▲ 1.3% |
| Financial debts43 | - | €2,552 | €4,990 | €3,518 | ▼ 29.5% |
| Credit institutions430/8 | - | €2,552 | €4,990 | €3,518 | ▼ 29.5% |
| Trade debts44 | €24,700 | €23,947 | €19,437 | €17,852 | ▼ 8.2% |
| Suppliers440/4 | €24,700 | €23,947 | €19,437 | €17,852 | ▼ 8.2% |
| Taxes, remuneration and social security45 | €1,240 | €1,420 | €3,825 | €3,790 | ▼ 0.9% |
| Taxes450/3 | €1,240 | €1,420 | €3,825 | €3,790 | ▼ 0.9% |
| Other amounts payable47/48 | €14,822 | €31,177 | €39,440 | €23,887 | ▼ 39.4% |
| Accrued charges and deferred income492/3 | €396 | €0 | €510 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€42,443 | -€4,320 | €2,077 | €4,789 | ▲ 131% |
| + Depreciation and write-downs630 | €10,552 | €19,423 | €19,704 | €17,306 | ▼ 12.2% |
| Operating cash flow (approximation) | -€31,891 | €15,102 | €21,781 | €22,095 | ▲ 1.4% |
| Investment in fixed assets (approximation) | - | -€23,080 | €0 | €4,357 | - |
| Change in cash | - | -€3,093 | - | - | - |
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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
31-12
Financial
Highest result since 2022net €4,789 ▲131%
Operating result €13,361, net result €4,789, both a record.
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
31-12
Financial
Back to profitnet €2,077
Net result €2,077 after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lochristi · 1 establishment unit since 2021
Ground area
698 m²
Building footprint
259 m²
Volume, LiDAR
1,186 m³
2 parcels, Flanders · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JaMe
since 20212.321.900.579
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44472B2442/00W000 | Flanders | 468 m² | 1 · 101 m² | - |
| 43018D0472/00C002 | Flanders | 230 m² | 1 · 158 m² | 14.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2025 · 1 entry · 114 EUR awarded · 114 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 114 EUR | 114 EUR |
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Company details
Identification
Legal formPrivate limited company
Founded15-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
96230Day spas, saunas and steam baths
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Contact
E-mail
jana.orel.meiresonne@gmail.comZelzate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0773891932
Also
9925:BE0773891932
Registered
30-10-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.