JAMIVA

Active

Private limited company (pre-2019)founded 201610 yrs activeTen Bergeweg 19, 8000 Brugge, BelgiumKBO/BCE: BE 0651.796.745

JAMIVA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €67k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency91▲+9

Growth78=

Track record100

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days only on tighter terms

Liquidity ample (current ratio 2.39 against 1.51 in 2023; short-term debt: 33.8% and cash: 4.2% of total assets), and 33.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €67k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-03-2026, 243 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 9 filings

Deviation from the deadline

2025

not confirmed

2024

243 d late

2023

30 d late

2022

120 d late

2021

79 d late

2020

409 d late

2019

115 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€93k

EBIT margin

11.4%

Net result

€38k▲ 170%

2023 · €14k

2018: €5k 2019: €9k 2020: €28k 2021: €38k 2022: €-77k 2023: €14k

2018 → 2024

Working capital

€47k▲ 322%

2023 · €11k

2018: €16k 2019: €25k 2020: €20k 2021: €60k 2022: €-784 2023: €11k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€54k-€92k▲ 70.4%€15k▼ 83.6%€29k▲ 92.4%€67k▲ 130%

Operating result€43k-€59k▲ 37.7%€-79k€17k€45k▲ 157%

Net result€28k-€38k▲ 35.1%€-77k€14k€38k▲ 170%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 157% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €101k

19.4%

80.6%

Fixed assets €20k▲ 9.6%

Current assets €81k▲ 147%

Equity and liabilities €101k

66.2%

33.8%

Equity €67k▲ 130%

Debt €34k▲ 56.4%

The debt ratio falls from 42.8% to 33.8%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€49k▲

2023 · €22k

Cash flow

€42k▲

2023 · €18k

Solvency

66.2%▲

2023 · 57.2%

Current ratio

2.39▲

2023 · 1.51

Quick ratio

2.39▲

2023 · 1.51

Debt / equity

0.51▼

2023 · 0.75

ROE

56.5%▲

2023 · 48.0%

ROA

37.4%▲

2023 · 27.5%

Interest coverage

19.41▲

2023 · 10.91

Debt

€34k▲

2023 · €22k

Debt ≤ 1 year

€34k▲

2023 · €22k

Income taxes

€7k▲

2023 · €2k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€51k€101k▲

Fixed assets21/28€18k€20k▲

Tangible fixed assets22/27€16k€18k▲

Plant, machinery and equipment23-€679

Furniture and vehicles24€16k€17k▲

Financial fixed assets28€2k€2k=

Current assets29/58€33k€81k▲

Amounts receivable within one year40/41€18k€77k▲

Trade receivables40€10k€2k▼

Other amounts receivable41€7k€75k▲

Cash at bank and in hand54/58€15k€4k▼

Deferred charges and accrued income490/1€60-

Equity and liabilities

Total equity and liabilities10/49€51k€101k▲

Equity10/15€29k€67k▲

Contributions10/11€6k€6k=

Reserves13€23k€61k▲

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€21k€59k▲

Amounts payable17/49€22k€34k▲

Amounts payable within one year42/48€22k€34k▲

Financial debts43-€15k

Credit institutions430/8-€15k

Trade debts44€13k€12k▼

Suppliers440/4€13k€12k▼

Taxes, remuneration and social security45€9k€7k▼

Taxes450/3€9k€7k▼

Accrued charges and deferred income492/3€9-

Income statement Code20232024

Non-recurring operating income76A€4k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲

Other operating charges640/8€2k€2k▼

Non-recurring operating charges66A-€975

Gross operating margin9900€24k€52k▲

Operating profit (loss)9901€17k€45k▲

Financial income75/76B€209€2k▲

Recurring financial income75€209€2k▲

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€16k€44k▲

Income taxes67/77€2k€7k▲

Profit (loss) for the period9904€14k€38k▲

Profit (loss) for the period to be appropriated9905€14k€38k▲

Appropriation of the result

Profit (loss) to be appropriated9906€14k€38k▲

Profit (loss) brought forward from the previous period14P€-438-

Transfer from equity791/2€438-

Transfer to equity691/2€14k€38k▲

To other reserves6921€14k€38k▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 3Filings 9

2026

31-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 243 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

28-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 120 days late

2022

31-12

Financial Weakest financial yearnet €-77k ▼302%

Net result drops to €-77k, the lowest in the series; recovery starts the following year.

18-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 79 days late

13-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 409 days late

2021

31-12

Financial Highest result since 2018net €38k ▲35.1%

Operating result €59k, net result €38k, both a record.

2020

23-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 115 days late

2019

09-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 70 days late

2018

05-11

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 97 days late

2017

18-10

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 79 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are 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, Brugge · 1 establishment unit since 2016

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Ten Bergeweg 198000 Brugge

Ground area

1,790 m²

Building footprint

182 m²

Volume, LiDAR

674 m³

Parcel 31807I0289/00B000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

JAMIVA

Ten Bergeweg 19, 8000 BruggeManufacture of furniture

since 20162.254.057.789

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31807I0289/00B000	Flanders	1,790 m²	1 · 182 m²	5.3 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 1,125 EUR awarded · 1,125 EUR paid

Year	Entries	awarded	paid
2025	1	1,125 EUR	1,125 EUR

Schemes

Schadevergoeding van de overheid

1 entry · 1,125 EUR · 1,125 EUR paid · Agentschap Wegen en Verkeer

Similar companies · same sector, comparable size

ANSOME

BE 0555.855.134

Courcelles · Eq €67k

Christiaens Terrassement

Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,583 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded11-04-2016

Fiscal year end31-12

Activities, NACEBEL

43120Site preparation

25110Manufacture of metal structures and parts of structures

43230Insulation installation

43291Specialised construction activities

47529Retail trade

77320Rental and leasing activities

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.