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JAMER

Active
Private limited company (pre-2019)founded 197749 yrs activeEdinburgstraat 9, 1050 Elsene, BelgiumKBO/BCE: BE 0417.109.304
Summary

The computed 12-month bankruptcy probability of JAMER is 1.7% (moderate). The 2024 annual accounts show equity of €14,402 and a net result of -€1,236. Equity is shrinking by ~10.5% per year across the filed fiscal years. The company has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability23▲+18
Solvency92▼-5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.04 against 3.57 in 2023; short-term debt: 32.9% of total assets), and 32.9% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 49 years 0 50 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2024
Solvency, return and age of the figures
Solvency
67.1%
Return on assets
-5.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 filings
Deviation from the deadline
2025
not confirmed
2024
29 d late
2023
68 d late
2021
319 d late
2019
76 d late
2018
71 d late
2015
66 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 105 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

JAMER was incorporated on 18 March 1977.1 Total assets fell from EUR 74,832 in 2018 to EUR 21,479 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€1,236▲ 55.9%
2023 · -€2,803
Working capital
€14,402▼ 7.9%
2023 · €15,639
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20182019202120232024
Operating result-€2,721--€1,548▲ 43.1%€6,460--€2,443--€1,056▲ 56.8%
Net result-€2,721--€1,548▲ 43.1%€6,460--€2,803--€1,236▲ 55.9%
Equity€33,735-€32,187▼ 4.6%€35,965-€15,639-€14,402▼ 7.9%
Total assets€74,832-€47,458▼ 36.6%€38,953-€21,723-€21,479▼ 1.1%
Debt€41,097-€15,272▼ 62.8%€2,987-€6,084-€7,076▲ 16.3%
Working capital€3,685-€8,211▲ 123%€19,636-€15,639-€14,402▼ 7.9%
Result per fiscal year
Operating resultNet result
-€5,000-€2,500€0€2,500€5,000€7,500Operating result 2018: -€2,721-€2,721Net result 2018: -€2,721-€2,721Operating result 2019: -€1,548-€1,548Net result 2019: -€1,548-€1,548Operating result 2021: €6,460€6,460Net result 2021: €6,460€6,460Operating result 2023: -€2,443-€2,443Net result 2023: -€2,803-€2,803Operating result 2024: -€1,056-€1,056Net result 2024: -€1,236-€1,23620182019202120232024-€5,000-€2,500€0€2,500€5,000€7,500Operating result 2021: €6,460€6,460Net result 2021: €6,460€6,460Operating result 2023: -€2,443-€2,440Net result 2023: -€2,803-€2,800Operating result 2024: -€1,056-€1,060Net result 2024: -€1,236-€1,240202120232024
The operating result stays negative: a loss of €1,056 in 2024 against €2,443 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €21,479
Equity €14,402 ▼ 7.9%
Debt €7,076 ▲ 16.3%
Debt's share of the balance-sheet total rises from 28.0% to 32.9%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
Current ratio
3.04▼
2023 · 3.57
Debt to equity
0.49▲
2023 · 0.39
ROE
-8.6%▲
2023 · -17.9%
ROA
-5.8%▲
2023 · -12.9%
Debt ≤ 1 year
€7,076▲
2023 · €6,084
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 12,321 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 30 lines
Balance sheet Code20232024
Assets
Total assets20/58€21,723€21,479▼
Current assets29/58€21,723€21,479▼
Amounts receivable within one year40/41€21,723€21,479▼
Trade receivables40€14,586€14,586=
Other amounts receivable41€7,137€6,893▼
Equity and liabilities
Total equity and liabilities10/49€21,723€21,479▼
Equity10/15€15,639€14,402▼
Contributions10/11€18,592€18,592=
Reserves13€1,859€1,859=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Profit (loss) carried forward14-€4,813-€6,049▼
Amounts payable17/49€6,084€7,076▲
Amounts payable within one year42/48€6,084€7,076▲
Trade debts44€6,084€7,076▲
Suppliers440/4€6,084€7,076▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Accrued charges and deferred income492/3€0-
Income statement Code20232024
Other operating charges640/8€489€492▲
Non-recurring operating charges66A€1,390-
Gross operating margin9900-€564-€564=
Operating profit (loss)9901-€2,443-€1,056▲
Financial charges65/66B€360€180▼
Recurring financial charges65€360€180▼
Profit (loss) for the period before taxes9903-€2,803-€1,236▲
Profit (loss) for the period9904-€2,803-€1,236▲
Profit (loss) for the period to be appropriated9905-€2,803-€1,236▲
Appropriation of the result
Profit (loss) to be appropriated9906-€4,813-€6,049▼
Profit (loss) brought forward from the previous period14P-€2,010-€4,813▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202120232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,073€6,073€2,653---
Other operating charges640/8--€0€489€492▲ 0.6%
Non-recurring operating charges66A--€2,269€1,390--
Gross operating margin9900€3,700€4,946€11,382-€564-€564=
Operating profit (loss)9901-€2,721-€1,548€6,460-€2,443-€1,056▲ 56.8%
Financial charges65/66B---€360€180▼ 50.0%
Recurring financial charges65---€360€180▼ 50.0%
Profit (loss) for the period before taxes9903-€2,721-€1,548€6,460-€2,803-€1,236▲ 55.9%
Profit (loss) for the period9904-€2,721-€1,548€6,460-€2,803-€1,236▲ 55.9%
Profit (loss) for the period to be appropriated9905-€2,721-€1,548€6,460-€2,803-€1,236▲ 55.9%
Line20182019202120232024Change
Assets
Total assets20/58€74,832€47,458€38,953€21,723€21,479▼ 1.1%
Fixed assets21/28€30,049€23,976€16,677---
Tangible fixed assets22/27€30,049€23,976€16,677---
Land and buildings22--€16,677---
Current assets29/58€44,782€23,482€22,276€21,723€21,479▼ 1.1%
Amounts receivable within one year40/41€44,782€23,482€22,276€21,723€21,479▼ 1.1%
Trade receivables40--€14,586€14,586€14,586=
Other amounts receivable41--€7,690€7,137€6,893▼ 3.4%
Equity and liabilities
Total equity and liabilities10/49€74,832€47,458€38,953€21,723€21,479▼ 1.1%
Equity10/15€33,735€32,187€35,965€15,639€14,402▼ 7.9%
Contributions10/11€18,592€18,592€18,592€18,592€18,592=
Reserves13€13,859€13,859€13,859€1,859€1,859=
Non-distributable reserves130/1--€1,859€1,859€1,859=
Reserves not available under the articles1311--€1,859€1,859€1,859=
Distributable reserves133--€12,000---
Profit (loss) carried forward14€1,283-€264€3,514-€4,813-€6,049▼ 25.7%
Amounts payable17/49€41,097€15,272€2,987€6,084€7,076▲ 16.3%
Amounts payable within one year42/48€41,097€15,272€2,640€6,084€7,076▲ 16.3%
Trade debts44€39,027€14,447€1,815€6,084€7,076▲ 16.3%
Suppliers440/4--€1,815€6,084€7,076▲ 16.3%
Taxes, remuneration and social security45--€825€0--
Taxes450/3--€825€0--
Accrued charges and deferred income492/3--€348€0--
Line20182019202120232024Change
Profit (loss) for the period9904-€2,721-€1,548€6,460-€2,803-€1,236▲ 55.9%
+ Depreciation and write-downs630€6,073€6,073€2,653---
Operating cash flow (approximation)€3,353€4,526€9,113-€2,803-€1,236▲ 55.9%
Investment in fixed assets (approximation)-€0----

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
07-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial Weakest financial yearnet -€2,803
Net result drops to -€2,803, the lowest in the series; recovery starts the following year.
15-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 319 days late
2021
31-12
Financial Back to profitnet €6,460
Net result €6,460 after 2 loss-making years.
31-12
Financial Liquidity times 5current ratio 8.44
Current ratio from 1.54 to 8.44; short-term debt falls from €15,272 to €2,640.
2020
15-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 76 days late
2019
10-10
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 71 days late
2016
05-10
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 66 days late
2014
29-11
NBB filing Annual accounts filed
fiscal year 2013 · full schema · 121 days late
2013
30-10
NBB filing Annual accounts filed
fiscal year 2012 · full schema · 91 days late
30-10
NBB filing Annual accounts filed
fiscal year 2011 · full schema · 456 days late
2011
14-09
NBB filing Annual accounts filed
fiscal year 2010 · full schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Elsene · 1 establishment unit since 1977
seat establishment The establishment unit on the map
Ground area
676 m²
Building footprint
211 m²
Volume, LiDAR
2,500 m³
2 parcels, Brussels · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
Jachthoornlaan 16, 1170 Watermaal-Bosvoorde
NACE 4531006
since 19772.013.636.163
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21009A0815/00D000 Brussels 580 m² 1 · 167 m² 17.3 m · 5 fl.
21652E0020/00Z021 Brussels 96 m² 1 · 44 m² 10.5 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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded18-03-1977
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.