JAMIN
ActiveSummary
JAMIN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €444,300 and a net result of €5,733. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 38% of 2028 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+9
Solvency61▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.23 in 2024; short-term debt: 11.8% and cash: 19.8% of total assets), but 63.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.5%
Return on assets
0.5%
Age of the figures
9 mo
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
7 d early
2023
48 d early
2022
11 d early
2021
237 d late
2020
31 d early
2019
45 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 10 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€444,300▲ 0.5%
2024 · €442,017
Total assets
€1.2m▼ 3.9%
2024 · €1.3m
Net result
€5,733
2024 · -€13,638
Working capital
€178,051▲ 6.6%
2024 · €166,949
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
Line20212022202320242025
Operating result-€3,747-€27,124▼ 624%€14,994-€2,609€15,066
Net result-€4,384-€30,433▼ 594%€840-€13,638€5,733
Equity€485,248▼ 1.6%€454,815▼ 6.3%€455,655▲ 0.2%€442,017▼ 3.0%€444,300▲ 0.5%
Total assets€1.4m▲ 26.8%€1.3m▼ 6.3%€1.3m▼ 4.5%€1.3m▼ 0.2%€1.2m▼ 3.9%
Debt€914,236▲ 50.8%€856,639▼ 6.3%€782,376▼ 8.7%€809,603▲ 3.5%€758,541▼ 6.3%
Working capital€44,852▼ 69.8%€24,285▼ 45.9%€140,461▲ 478%€166,949▲ 18.9%€178,051▲ 6.6%
Staff (FTE)
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15,066 after a loss of €2,609 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€896,705 ▼ 7.1%
Current assets
€321,465 ▲ 6.3%
Equity and liabilities €1.2m
Equity
€444,300 ▲ 0.5%
Provisions
€15,329 ▼ 5.4%
Debt
€758,541 ▼ 6.3%
Debt's share of the balance-sheet total falls from 63.9% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84,820▲
2024 · €73,006
Cash flow
€75,487▲
2024 · €61,978
Current ratio
2.24▲
2024 · 2.23
Debt to equity
1.71▼
2024 · 1.83
ROE
1.3%▲
2024 · -3.1%
ROA
0.5%▲
2024 · -1.1%
Interest coverage
5.35▲
2024 · 4.56
Debt ≤ 1 year
€143,413▲
2024 · €135,579
Debt > 1 year
€592,578▼
2024 · €662,899
Income taxes
€882▲
2024 · €311
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.6% |
| 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 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 14,684 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €8,000 | - | €816 | - | - | - |
| Remuneration, social security and pensions62 | -€36 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €87,334 | €85,569 | €78,075 | €75,616 | €69,753 | ▼ 7.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €15,000 | -€15,000 | - | - |
| Other operating charges640/8 | €53,886 | €12,838 | €16,009 | €15,585 | €15,508 | ▼ 0.5% |
| Gross operating margin9900 | €137,436 | €71,283 | €124,078 | €73,592 | €100,328 | ▲ 36.3% |
| Operating profit (loss)9901 | -€3,747 | -€27,124 | €14,994 | -€2,609 | €15,066 | ▲ 677% |
| Financial income75/76B | €5,503 | €2,555 | €7,766 | €4,405 | €3,078 | ▼ 30.1% |
| Recurring financial income75 | €5,503 | €2,555 | €7,766 | €4,405 | €3,078 | ▼ 30.1% |
| Financial charges65/66B | €6,939 | €6,398 | €22,478 | €16,002 | €15,860 | ▼ 0.9% |
| Recurring financial charges65 | €6,939 | €6,398 | €22,478 | €16,002 | €15,860 | ▼ 0.9% |
| Profit (loss) for the period before taxes9903 | -€5,183 | -€30,967 | €282 | -€14,206 | €2,285 | ▲ 116% |
| Transfer from deferred taxes780 | €4,330 | €879 | €879 | €879 | €4,330 | ▲ 393% |
| Income taxes67/77 | €3,531 | €345 | €322 | €311 | €882 | ▲ 184% |
| Profit (loss) for the period9904 | -€4,384 | -€30,433 | €840 | -€13,638 | €5,733 | ▲ 142% |
| Transfer from tax-exempt reserves789 | - | €3,451 | €3,451 | €3,451 | - | - |
| Profit (loss) for the period to be appropriated9905 | -€4,384 | -€26,982 | €4,291 | -€10,187 | €5,733 | ▲ 156% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.3m | €1.3m | €1.3m | €1.2m | ▼ 3.9% |
| Fixed assets21/28 | €1.2m | €1.1m | €1.0m | €965,300 | €896,705 | ▼ 7.1% |
| Tangible fixed assets22/27 | €1.2m | €1.1m | €1.0m | €965,250 | €896,655 | ▼ 7.1% |
| Land and buildings22 | €1.2m | €1.1m | €1.0m | €961,023 | €893,234 | ▼ 7.1% |
| Furniture and vehicles24 | €6,929 | €4,619 | €8,228 | €4,227 | €3,421 | ▼ 19.1% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €220,536 | €217,196 | €229,203 | €302,528 | €321,465 | ▲ 6.3% |
| Stocks and contracts in progress3 | - | - | - | €10,000 | - | - |
| Contracts in progress37 | - | - | - | €10,000 | - | - |
| Amounts receivable within one year40/41 | €186,952 | €115,919 | €61,162 | €145,420 | €79,742 | ▼ 45.2% |
| Trade receivables40 | €172,798 | €101,766 | €51,942 | €136,100 | €78,293 | ▼ 42.5% |
| Other amounts receivable41 | €14,154 | €14,154 | €9,221 | €9,320 | €1,450 | ▼ 84.4% |
| Cash at bank and in hand54/58 | €25,693 | €91,996 | €168,040 | €134,776 | €241,722 | ▲ 79.4% |
| Deferred charges and accrued income490/1 | €7,891 | €9,281 | - | €12,332 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.3m | €1.3m | €1.3m | €1.2m | ▼ 3.9% |
| Equity10/15 | €485,248 | €454,815 | €455,655 | €442,017 | €444,300 | ▲ 0.5% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €286,976 | €283,525 | €280,074 | €276,623 | €278,905 | ▲ 0.8% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Tax-exempt reserves132 | €50,595 | €47,144 | €43,693 | €40,242 | €36,791 | ▼ 8.6% |
| Distributable reserves133 | €234,522 | €234,522 | €234,522 | €234,522 | €240,255 | ▲ 2.4% |
| Profit (loss) carried forward14 | €179,680 | €152,698 | €156,989 | €146,802 | €146,802 | = |
| Provisions and deferred taxes16 | €18,845 | €17,966 | €32,087 | €16,208 | €15,329 | ▼ 5.4% |
| Provisions for liabilities and charges160/5 | - | - | €15,000 | - | - | - |
| Major repairs and maintenance162 | - | - | €15,000 | - | - | - |
| Deferred taxes168 | €18,845 | €17,966 | €17,087 | €16,208 | €15,329 | ▼ 5.4% |
| Amounts payable17/49 | €914,236 | €856,639 | €782,376 | €809,603 | €758,541 | ▼ 6.3% |
| Amounts payable after more than one year17 | €738,553 | €663,728 | €693,634 | €662,899 | €592,578 | ▼ 10.6% |
| Financial debts170/4 | €738,553 | €663,728 | €693,634 | €662,899 | €592,578 | ▼ 10.6% |
| Amounts payable within one year42/48 | €175,684 | €192,911 | €88,742 | €135,579 | €143,413 | ▲ 5.8% |
| Current portion of amounts payable after more than one year42 | - | €74,825 | €60,093 | - | - | - |
| Financial debts43 | €89,318 | - | - | €60,736 | €50,321 | ▼ 17.1% |
| Credit institutions430/8 | €89,318 | - | - | €60,736 | €50,321 | ▼ 17.1% |
| Trade debts44 | €50,371 | €60,237 | €5,313 | €59,373 | €80,575 | ▲ 35.7% |
| Suppliers440/4 | €50,371 | €60,237 | €5,313 | €59,373 | €80,575 | ▲ 35.7% |
| Taxes, remuneration and social security45 | €883 | €5,531 | €5,070 | €11,216 | €5,623 | ▼ 49.9% |
| Taxes450/3 | €883 | €5,531 | €5,070 | €11,216 | €5,623 | ▼ 49.9% |
| Other amounts payable47/48 | €35,112 | €52,319 | €18,266 | €4,255 | €6,894 | ▲ 62.0% |
| Accrued charges and deferred income492/3 | - | - | - | €11,125 | €22,550 | ▲ 103% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,384 | -€30,433 | €840 | -€13,638 | €5,733 | ▲ 142% |
| + Depreciation and write-downs630 | €87,334 | €85,569 | €78,075 | €75,616 | €69,753 | ▼ 7.8% |
| Operating cash flow (approximation) | €82,950 | €55,137 | €78,915 | €61,978 | €75,487 | ▲ 21.8% |
| Investment in fixed assets (approximation) | - | €0 | -€6,767 | €0 | -€1,159 | - |
| Change in cash | - | €66,303 | €76,044 | -€33,264 | €106,946 | ▲ 422% |
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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €5,733
Net result €5,733 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €840
Net result €840 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.58
Current ratio from 1.13 to 2.58; short-term debt falls from €192,911 to €88,742.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 237 days late
2022
31-12
Financial
Weakest financial yearnet -€30,433
Net result drops to -€30,433, the lowest in the series; recovery starts the following year.
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €101,583 ▲176%
Operating result €141,019, net result €101,583, both a record.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 1.57
Current ratio from 0.59 to 1.57; short-term debt falls from €272,395 to €139,310.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
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.
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, Lummen · 1 establishment unit since 1995
Ground area
2,020 m²
Building footprint
189 m²
Volume, LiDAR
890 m³
Parcel 71035B0646/00F000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAMIN BVBA
since 19952.074.383.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0646/00F000 | Flanders | 2,020 m² | 1 · 189 m² | 8.6 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
15 categoriesJAMIN BV27915
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Of 11,577 companies in sector 71121 we hold annual accounts for 6,563. 4,549 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456457452
Also
9925:BE0456457452
Registered
27-09-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.