JAPAMA
ActiveSummary
JAPAMA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €-723. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+10
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
98.7%
Return on assets
-10.9%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
22 d early
2023
1 d early
2022
9 d late
2021
1 d late
2020
31 d early
2019
on the day
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7k▼ 9.9%
2024 · €7k
2018: €14k
2019: €13k
2020: €13k
2021: €13k
2022: €12k
2023: €10k
2024: €7k
2018 → 2025
Total assets
€7k▼ 8.7%
2024 · €7k
2018: €14k
2019: €14k
2020: €13k
2021: €13k
2022: €12k
2023: €11k
2024: €7k
2018 → 2025
Net result
€-723▲ 74.6%
2024 · €-3k
2018: €-203
2019: €-121
2020: €-723
2021: €33
2022: €-780
2023: €-2k
2024: €-3k
2018 → 2025
Working capital
€7k▼ 35.3%
2023 · €10k
2018: €14k
2019: €13k
2020: €13k
2021: €13k
2023: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€12k▼ 6.1%€10k▼ 15.4%€7k▼ 28.1%€7k▼ 9.9%
Operating result€99-€-711€-2k▼ 150%€-3k▼ 55.8%€-648▲ 76.6%
Net result€33-€-780€-2k▼ 136%€-3k▼ 54.2%€-723▲ 74.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €648 in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
Equity and liabilities €7k
Equity
€7k
Debt
€88
Debt finances 1.3% of the balance-sheet total.
Key figures and ratios
Current ratio
75.66
Debt to equity
0.01
ROE
-11.0%▲
2024 · -39.1%
ROA
-10.9%▲
2024 · -39.1%
Debt ≤ 1 year
€88
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 · 2025 against 2024 · 22 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7k€7k▼
Formation expenses20€0€0=
Current assets29/58€7k€7k▼
Cash at bank and in hand54/58€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€7k€7k▼
Equity10/15€7k€7k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-11k€-12k▼
Amounts payable17/49-€88
Amounts payable within one year42/48-€88
Trade debts44-€88
Suppliers440/4-€88
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-2k€-248▲
Operating profit (loss)9901€-3k€-648▲
Financial charges65/66B€78€75▼
Recurring financial charges65€78€75▼
Profit (loss) for the period before taxes9903€-3k€-723▲
Profit (loss) for the period9904€-3k€-723▲
Profit (loss) for the period to be appropriated9905€-3k€-723▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-12k▼
Profit (loss) brought forward from the previous period14P€-8k€-11k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 9 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1 day late
2021
31-12
Financial
Back to profitnet €33
Net result €33 after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 12current ratio 707.08
Current ratio from 58.48 to 707.08; short-term debt falls from €234 to €18.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lubbeek · 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.
Aardebrug(LUB) 193210 LubbeekGround area
3,373 m²
Building footprint
732 m²
Volume, LiDAR
4,536 m³
2 parcels, Flanders · tallest building 16.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JAPAMA
since 20122.207.457.110
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066D0043/00F000 | Flanders | 3,130 m² | 1 · 657 m² | 16.5 m · 2 fl. |
| 24053B0227/00P000indicative | Flanders | 243 m² | 1 · 75 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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PRO INVEST CONSULTING
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 1,537 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
Founded07-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.