JANA-SAM
ActiveThe computed 12-month bankruptcy probability of JANA-SAM is 2.5% (moderate). The 2024 annual accounts show negative equity (€-27k) and a net result of €-7k. Equity is shrinking by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 8% of 15867 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability50▲+22
Solvency62▲+12
Growth22▼-36
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.77 against 1.23 in 2023), but equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-143.5%
Return on assets
-36%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€27k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
26 d early
2022
27 d early
2021
27 d early
2020
9 d late
2019
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€76k▼ 35.0%
2023 · €117k
2023: €117k
2023 → 2024
EBIT margin
-8.9%▼ 14.8pp
2023 · 5.9%
2023: 5.9%
2023 → 2024
Net result
€-7k
2023 · €7k
2018: €-3k
2019: €-6k
2020: €-16k
2021: €-1k
2022: €-5k
2023: €7k
2018 → 2024
Working capital
€8k▲ 276%
2023 · €2k
2018: €456
2019: €-5k
2020: €-21k
2021: €-22k
2022: €-27k
2023: €2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€117k€76k▼ 35.0%
Equity€-21k-€-22k▼ 5.6%€-27k▼ 23.0%€-20k▲ 25.7%€-27k▼ 33.5%
Operating result€-16k-€-1k▲ 92.8%€-5k▼ 372%€7k€-7k
Net result€-16k-€-1k▲ 92.4%€-5k▼ 331%€7k€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7k after €7k in 2023.
Key figures and ratios
Solvency
-143.5%▲
2023 · -175.6%
Current ratio
1.77▲
2023 · 1.23
Quick ratio
1.69▲
2023 · 0.89
Debt / equity
-1.70▼
2023 · -1.57
ROE
25.1%▲
2023 · -34.5%
ROA
-36.0%▼
2023 · 60.7%
Debt
€46k▲
2023 · €32k
Debt ≤ 1 year
€11k▲
2023 · €9k
Debt > 1 year
€36k▲
2023 · €23k
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€12k€19k▲
Current assets29/58€12k€19k▲
Stocks and contracts in progress3€3k€846▼
Stocks30/36€3k€846▼
Amounts receivable within one year40/41€565€1k▲
Other amounts receivable41€565€1k▲
Cash at bank and in hand54/58€8k€17k▲
Deferred charges and accrued income490/1€11-
Equity and liabilities
Total equity and liabilities10/49€12k€19k▲
Equity10/15€-20k€-27k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€-39k€-46k▼
Amounts payable17/49€32k€46k▲
Amounts payable after more than one year17€23k€36k▲
Other amounts payable178/9€23k€36k▲
Amounts payable within one year42/48€9k€11k▲
Trade debts44€675€2k▲
Suppliers440/4€675€2k▲
Taxes, remuneration and social security45€6k€824▼
Taxes450/3€1k€824▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€3k€8k▲
Income statement
Code20232024
Turnover70€117k€76k▼
Non-recurring operating income76A€3k-
Goods, raw materials, services and sundry goods60/61€113k€73k▼
Other operating charges640/8€897€83▼
Gross operating margin9900€8k€-7k▼
Operating profit (loss)9901€7k€-7k▼
Financial income75/76B€148€1▼
Recurring financial income75€148€1▼
Financial charges65/66B€30€72▲
Recurring financial charges65€30€72▲
Profit (loss) for the period before taxes9903€7k€-7k▼
Profit (loss) for the period9904€7k€-7k▼
Profit (loss) for the period to be appropriated9905€7k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-46k▼
Profit (loss) brought forward from the previous period14P€-46k€-39k▲
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 5 loss-making years.
31-12
Financial
Liquidity times 6current ratio 1.23
Current ratio from 0.20 to 1.23; short-term debt falls from €34k to €9k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
30-09-2025
El Bouzekri El Idrissi, Mohamed: Resigned as Director
01-07-2025
KHALIFE Khadijé: Resigned as Director
25-04-2024
ZORKOT Hana: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 2011
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.
Vier-Windenstraat 49 A1080 Sint-Jans-MolenbeekGround area
104 m²
Building footprint
104 m²
Volume, LiDAR
1,898 m³
Parcel 21522B0707/00D003, Brussels · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Vier-Windenstraat 49A, 1080 Sint-Jans-Molenbeek
since 20112.205.608.962
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21522B0707/00D003 | Brussels | 104 m² | 1 · 104 m² | 20.4 m · 6 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 siteSint-Jans-Molenbeek2.205.608.962
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Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-08-2011
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47120Other non-specialised retail sale
47191Retail trade
47640Retail sale of games and toys
47650Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.