JAMIL
ActiveSummary
JAMIL has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294,723 and a net result of -€7,524. Equity has been shrinking by about 5.7% per year since 2018. Its solvency ranks better than 57% of 12,777 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-04-1998 Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
- Joint committees
- 119 Paritair Comité voor de handel in voedingswaren
- 201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2025
- Establishment unit
- 2.087.749.707 2610 Antwerpen, since 17-07-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 21-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.6%
- Gross margin
- €264,467
- ▼ 27.6%
- Turnover
- ≈ €2.5m
- estimated
- Loss
- €7,524
- Equity
- €294,723
- ▼ 2.5%
- Total assets
- €677,641
- ▼ 8.1%
- Employees on 31-12-2025
- 6
Score breakdownraises riskLiquidity: current ratio 0.34, cash €1,859, halvedSector: Retail trade (NACE 47)lowers riskFounded in 1998Equity €294,723 (43.5% of total assets)Show the evidence
Checked score
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 58% of them on solvency, 24% on liquidity, 47% on profitability and 34% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 12 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 10-07-2026 at the NBB all 28 filings
Every figure per financial year
The operating result for 2025 is a loss of €1,846, after a profit of €49,398 in 2024.
Staff
| Item | 31-12-2022 | 31-12-2025 |
|---|---|---|
| Employees at the balance-sheet date | 6 | 6 |
| full-time | 5 | 4 |
| part-time | 1 | 2 |
| in full-time equivalents | 5.2 | 4.7 |
| Average over the year, in full-time equivalents | 5.2 | 4.1 |
| On a permanent contract | 5 | 3 |
| Joined | 7 | 21 |
| Left | 8 | 19 |
Source: social balance sheet in the 2022 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €148,880 | €96,471 | €194,556 | €79,625 | €30,161 |
| Financial fixed assets | €4,000 | - | - | - | - |
| Depreciation and write-downs of the year | €115,917 | €94,745 | €101,954 | €107,398 | €77,747 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | €1.4m | €1.2m | - | - | €1.7m | €1.3m | €1.7m | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €0.8m | - | - | €1.4m | €1.2m | €1.3m | - | - |
| Remuneration, social security and pensions62 | - | €0.2m | - | €0.2m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 27.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.1m | €0.1m | €0.1m | €0.1m | €0.09m | €0.1m | €0.1m | €0.08m | ▼ 27.6% |
| Other operating charges640/8 | - | €0.03m | - | €0.01m | €0.02m | €0.01m | €0.007m | €0.007m | ▼ 7.5% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €0.04m | - |
| Gross operating margin9900 | €0.2m | €0.4m | €0.3m | €0.3m | €0.3m | €0.2m | €0.4m | €0.3m | ▼ 27.6% |
| Operating profit (loss)9901 | -€0.03m | €0.07m | €0.01m | €0.001m | €0.02m | -€0.1m | €0.05m | -€0.002m | - |
| Financial income75/76B | - | - | - | - | - | - | - | €37 | - |
| Recurring financial income75 | - | - | €114 | - | - | - | - | €37 | - |
| Financial charges65/66B | - | €0.003m | - | €0.006m | €0.008m | €0.01m | €0.01m | €0.006m | ▼ 59.6% |
| Recurring financial charges65 | €0.004m | €0.003m | €0.001m | €0.006m | €0.008m | €0.01m | €0.01m | €0.006m | ▼ 59.6% |
| Profit (loss) for the period before taxes9903 | -€0.04m | €0.07m | €0.01m | -€0.005m | €0.01m | -€0.1m | €0.04m | -€0.008m | - |
| Transfer from deferred taxes780 | - | €28 | - | - | - | - | - | - | - |
| Income taxes67/77 | - | €0.01m | €0.07m | €0.001m | - | - | - | - | - |
| Profit (loss) for the period9904 | -€0.03m | €0.06m | -€0.06m | -€0.006m | €0.01m | -€0.1m | €0.04m | -€0.008m | - |
| Transfer from tax-exempt reserves789 | - | €0.007m | - | - | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€0.03m | €0.06m | -€0.06m | -€0.006m | €0.01m | -€0.1m | €0.04m | -€0.008m | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €781,880 | €681,567 | €609,458 | €689,029 | €749,805 | €759,304 | €737,155 | €677,641 | ▼ 8.1% |
| Fixed assets21/28 | €756,484 | €639,245 | €553,707 | €590,669 | €592,395 | €684,997 | €653,224 | €569,725 | ▼ 12.8% |
| Tangible fixed assets22/27 | €756,484 | €639,245 | €553,707 | €586,669 | €588,395 | €680,997 | €653,224 | €569,725 | ▼ 12.8% |
| Land and buildings22 | - | €544,693 | - | €465,064 | €477,114 | €510,283 | €457,769 | €357,271 | ▼ 22.0% |
| Plant, machinery and equipment23 | - | €94,552 | - | €119,057 | €110,007 | €170,638 | €189,881 | €208,522 | ▲ 9.8% |
| Furniture and vehicles24 | - | - | - | €2,549 | €1,274 | €76 | €5,574 | €3,932 | ▼ 29.5% |
| Financial fixed assets28 | - | - | - | €4,000 | €4,000 | €4,000 | €0 | - | - |
| Current assets29/58 | €25,396 | €42,322 | €55,751 | €98,360 | €157,410 | €74,307 | €83,931 | €107,916 | ▲ 28.6% |
| Stocks and contracts in progress3 | €8,870 | €8,870 | €8,870 | €33,228 | €57,819 | €40,389 | €40,389 | €64,500 | ▲ 59.7% |
| Stocks30/36 | - | €8,870 | - | €33,228 | €57,819 | €40,389 | €40,389 | €64,500 | ▲ 59.7% |
| Amounts receivable within one year40/41 | €4,510 | €4,644 | €9,453 | €23,990 | €54,541 | €32,222 | €22,220 | €33,781 | ▲ 52.0% |
| Trade receivables40 | - | - | - | €7,922 | €9,149 | €16,134 | €8,266 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €4,644 | - | €16,068 | €45,392 | €16,088 | €13,954 | €33,781 | ▲ 142% |
| Cash at bank and in hand54/58 | €12,016 | €28,808 | €37,429 | €41,143 | €45,050 | €1,695 | €21,322 | €1,859 | ▼ 91.3% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €7,777 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €781,880 | €681,567 | €609,458 | €689,029 | €749,805 | €759,304 | €737,155 | €677,641 | ▼ 8.1% |
| Equity10/15 | €402,349 | €458,342 | €400,038 | €403,919 | €415,598 | €266,994 | €302,247 | €294,723 | ▼ 2.5% |
| Contributions10/11 | €33,466 | €33,466 | €33,466 | €43,381 | €43,381 | €43,381 | €43,381 | €43,381 | = |
| Capital10 | - | €33,466 | - | - | - | - | - | - | - |
| Issued capital100 | - | €43,382 | - | - | - | - | - | - | - |
| Uncalled capital101 | - | €9,916 | - | - | - | - | - | - | - |
| Reserves13 | €368,883 | €424,876 | €366,573 | €360,538 | €372,216 | €223,613 | €258,866 | €251,342 | ▼ 2.9% |
| Non-distributable reserves130/1 | - | - | - | €4,338 | €4,338 | €4,338 | €4,338 | €4,338 | = |
| Legal reserve130 | - | €4,338 | - | - | - | - | - | - | - |
| Other1319 | - | - | - | €4,338 | €4,338 | €4,338 | €4,338 | €4,338 | = |
| Tax-exempt reserves132 | - | €45,649 | - | €45,649 | €45,649 | €45,649 | €45,649 | €45,649 | = |
| Distributable reserves133 | - | €374,889 | - | €310,550 | €322,229 | €173,625 | €208,878 | €201,354 | ▼ 3.6% |
| Provisions and deferred taxes16 | €28 | - | - | - | - | - | - | - | - |
| Amounts payable17/49 | €379,503 | €223,225 | €209,420 | €285,110 | €334,207 | €492,310 | €434,908 | €382,918 | ▼ 12.0% |
| Amounts payable after more than one year17 | €53,106 | €25,000 | - | - | - | €160,000 | €116,738 | €63,634 | ▼ 45.5% |
| Financial debts170/4 | - | - | - | - | - | €160,000 | €116,738 | €63,634 | ▼ 45.5% |
| Other amounts payable178/9 | - | €25,000 | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €326,397 | €198,225 | €209,420 | €285,110 | €334,207 | €332,310 | €318,170 | €319,284 | ▲ 0.3% |
| Current portion of amounts payable after more than one year42 | - | €29,893 | - | - | - | - | €43,262 | €53,103 | ▲ 22.7% |
| Trade debts44 | €140,214 | - | €39,061 | €41,893 | €86,882 | €52,694 | €49,003 | €66,704 | ▲ 36.1% |
| Suppliers440/4 | - | - | - | €41,893 | €86,882 | €52,694 | €49,003 | €66,704 | ▲ 36.1% |
| Taxes, remuneration and social security45 | - | €37,263 | - | €38,506 | €31,258 | €36,018 | €42,458 | €20,144 | ▼ 52.6% |
| Taxes450/3 | - | €25,677 | - | €8,535 | - | - | €2,423 | €2,524 | ▲ 4.2% |
| Remuneration and social security454/9 | - | €11,586 | - | €29,971 | €31,258 | €36,018 | €40,035 | €17,620 | ▼ 56.0% |
| Other amounts payable47/48 | - | €131,069 | - | €204,711 | €216,068 | €243,597 | €183,447 | €179,333 | ▼ 2.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€28,913 | €55,993 | -€58,303 | -€6,035 | €11,679 | -€148,603 | €35,253 | -€7,524 | - |
| + Depreciation and write-downs630 | €105,699 | €117,239 | €104,988 | €115,917 | €94,745 | €101,954 | €107,398 | €77,747 | ▼ 27.6% |
| Operating cash flow (approximation) | €76,786 | €173,232 | €46,685 | €109,882 | €106,423 | -€46,650 | €142,651 | €70,224 | ▼ 50.8% |
| Investment in fixed assets (approximation) | - | -€0 | -€19,450 | -€152,880 | -€96,471 | -€194,556 | -€75,625 | €5,751 | - |
| Change in cash | - | €16,792 | €8,621 | €3,714 | €3,907 | -€43,354 | €19,627 | -€19,463 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 12,322 companies had the same profile as JAMIL has now. Two years later, 90.3% were still going and 0.7% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JAMIL itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for JAMIL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 28 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 10-07-2026 | 2026-00281748 | |
| 31-12-2024 | abbreviated format | 22-06-2025 | 2025-00177325 | |
| 31-12-2023 | abbreviated format | 28-06-2024 | 2024-00184140 | |
| 31-12-2022 | abbreviated format | 25-06-2023 | 2023-00163958 | |
| 31-12-2021 | abbreviated format | 14-08-2022 | 2022-20289164 | |
| 31-12-2020 | abbreviated format | 29-06-2021 | 2021-27500444 | |
| 31-12-2019 | abbreviated format | 17-03-2021 | 2021-07900523 | |
| 31-12-2018 | abbreviated format | 01-02-2021 | 2021-04500352 | |
| 31-12-2017 | abbreviated format | 14-02-2019 | 2019-05100296 | |
| 31-12-2016 | micro format | 14-02-2019 | 2019-05100245 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 18-03-2022 Converted to available equity
Network & group
Companies at the same address
4 other companiesConnections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
18-03
Gazette deed
Registered office moved to AntwerpenNew seat: 2610 Antwerpen(Wilrijk), De Bruynlaan 28 · Appointment: KIOUAH Jamil (statutory director) · Reappointment: KIOUAH Jamil (statutory director)10 points ▸
- General meeting, 15-03-2022
- Legal-form conversion, “besloten vennootschap” (deed in Dutch)
- Capital conversion, “beschikbare eigen vermogensrekening” (deed in Dutch)
- Other provision, “kennisneming bijzonder verslag bestuursorgaan aangaande wijziging voorwerp” (deed in Dutch)
- Purpose change
- Amendment of the articles
- Capital
- Director appointment, KIOUAH Jamil (statutory director)
- Director reappointment, KIOUAH Jamil (statutory director)
- Registered-office move, 2610 Antwerpen(Wilrijk),De Bruynlaan 28
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Text of the purpose
“De handel in de breedste zin van het woord, waaronder begrepen de in- en uitvoer, de aan- en verkoop, de groot- en kleinhandel van alle goederen en artikelen, zowel nieuwe als gebruikte, onder andere met betrekking tot : De voedingsnijverheid met inbegrip van vlees en vleeswaren, vis en viswaren, broodbakkerij, banketbakkerij en suikerbakkerij, groenten en fruit.”
Invoicing and payment
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteDual-learning approval
4 endedSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11462A0011/00V005 | Flanders | 982 m² | 1 · 573 m² | 14.1 m · 4 |