JAMNO
ActiveSummary
JAMNO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166k and a net result of €27k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 47% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+36
Solvency55▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 2.08 in 2023; short-term debt: 69.9% and cash: 23.3% of total assets), and 69.9% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
27 d late
2022
9 d late
2021
30 d late
2020
19 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€27k
2023 · €-2k
2018: €3k
2019: €7k
2020: €10k
2021: €1k
2022: €1k
2023: €-2k
2018 → 2024
Working capital
€102k▼ 47.5%
2023 · €194k
2018: €13k
2019: €13k
2020: €59k
2021: €79k
2022: €83k
2023: €194k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€139k-€140k▲ 0.9%€141k▲ 1.0%€140k▼ 1.3%€166k▲ 19.2%
Operating result€33k-€4k▼ 88.1%€7k▲ 81.0%€6k▼ 21.9%€46k▲ 721%
Net result€10k-€1k▼ 86.9%€1k▲ 12.3%€-2k€27k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 721% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €552k
Fixed assets
€64k ▲ 8.1%
Current assets
€488k ▲ 30.6%
Equity and liabilities €552k
Equity
€166k ▲ 19.2%
Debt
€386k ▲ 31.4%
Debt's share of the balance-sheet total rises from 67.8% to 69.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2023 · €11k
Cash flow
€35k▲
2023 · €4k
Current ratio
1.26▼
2023 · 2.08
Quick ratio
1.11▼
2023 · 1.57
Debt to equity
2.32▲
2023 · 2.10
ROE
16.1%▲
2023 · -1.3%
ROA
4.9%▲
2023 · -0.4%
Interest coverage
24.99▲
2023 · 2.44
Debt ≤ 1 year
€386k▲
2023 · €179k
Income taxes
€17k▲
2023 · €3k
Staff costs
€211k▼
2023 · €225k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€433k€552k▲
Fixed assets21/28€60k€64k▲
Tangible fixed assets22/27€59k€64k▲
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€16k€13k▼
Other tangible fixed assets26€40k€45k▲
Financial fixed assets28€250€250=
Current assets29/58€373k€488k▲
Stocks and contracts in progress3€92k€59k▼
Stocks30/36€92k€59k▼
Amounts receivable within one year40/41€281k€300k▲
Trade receivables40€245k€207k▼
Other amounts receivable41€36k€93k▲
Cash at bank and in hand54/58-€129k
Equity and liabilities
Total equity and liabilities10/49€433k€552k▲
Equity10/15€140k€166k▲
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€20k€20k=
Profit (loss) carried forward14€99k€126k▲
Amounts payable17/49€293k€386k▲
Amounts payable after more than one year17€114k-
Advances received on contracts in progress176€114k-
Amounts payable within one year42/48€179k€386k▲
Trade debts44€133k€129k▼
Suppliers440/4€133k€129k▼
Advances received on contracts in progress46-€200k
Taxes, remuneration and social security45€25k€27k▲
Taxes450/3€8k€17k▲
Remuneration and social security454/9€18k€11k▼
Other amounts payable47/48€22k€29k▲
Income statement
Code20232024
Remuneration, social security and pensions62€225k€211k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€238k€266k▲
Operating profit (loss)9901€6k€46k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€836€43k▲
Income taxes67/77€3k€17k▲
Profit (loss) for the period9904€-2k€27k▲
Profit (loss) for the period to be appropriated9905€-2k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€126k▲
Profit (loss) brought forward from the previous period14P€101k€99k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-09
State Gazette act
Resignation: Céline VAN OVERSTYNS (permanent representative)Appointment: Bekim MORINA (permanent representative) · Registered-office move4 facts ▸
State Gazette act
Resignation: Céline VAN OVERSTYNS (permanent representative)
Appointment: Bekim MORINA (permanent representative) · Registered-office move4 facts ▸
- General meeting, 21-04-2026
- Director resignation, Céline VAN OVERSTYNS (permanent representative)
- Director appointment, Bekim MORINA (permanent representative)
- Registered-office move, Chaussée de Binche 94 à 7000 Mons
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲19.2%
Equity rises from €140k to €166k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼229%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 9 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 38 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
09-09-2026
Bekim MORINA: Appointed as Permanent representative
09-09-2026
Céline VAN OVERSTYNS: Resigned as Permanent representative
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2012
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.
Chaussée de Binche 947000 MonsGround area
1,162 m²
Building footprint
121 m²
Volume, LiDAR
1,129 m³
Parcel 53405C0175/00R000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LOUIS DELHAIZE
since 20122.212.066.588
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53405C0175/00R000 | Wallonia | 1,162 m² | 1 · 121 m² | 10.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.212.066.588
Similar companies · same sector, comparable size
COCO MEDIA
BE 0776.976.928
Hasselt · Eq €166,306
MERE-RETAIL
BE 0552.622.163
Erpe-Mere · Eq €166,584
CHIYU
BE 0788.365.916
Herentals · Eq €166,780
RETSILVER MARIAKERKE
BE 0405.235.019
Gent · Eq €167,008
J.E.N.J.
BE 0787.936.740
Beveren-Kruibeke-Zwijndrecht · Eq €167,040
Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,423 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.