JBS HAM
ActiveJBS HAM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €229k and a net result of €53k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+59
Solvency92▲+5
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 2.85 in 2024), but 53.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
46.8%
Return on assets
10.8%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
1 d early
2023
22 d early
2022
31 d late
2021
30 d late
2020
109 d late
2019
13 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€229k▲ 24.4%
2024 · €184k
2018: €95k
2019: €108k
2020: €106k
2021: €116k
2022: €120k
2023: €169k
2024: €184k
2018 → 2025
Total assets
€490k▲ 14.1%
2024 · €430k
2018: €138k
2019: €167k
2020: €184k
2021: €186k
2022: €352k
2023: €389k
2024: €430k
2018 → 2025
Net result
€53k▲ 248%
2024 · €15k
2018: €42k
2019: €13k
2020: €-2k
2021: €10k
2022: €4k
2023: €56k
2024: €15k
2018 → 2025
Working capital
€158k▲ 33.2%
2024 · €119k
2018: €96k
2019: €80k
2020: €78k
2021: €95k
2022: €72k
2023: €114k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€120k▲ 3.1%€169k▲ 41.0%€184k▲ 9.0%€229k▲ 24.4%
Operating result€15k-€7k▼ 49.1%€68k▲ 810%€1k▼ 98.2%€74k▲ 6,087%
Net result€10k-€4k▼ 63.4%€56k▲ 1,447%€15k▼ 72.7%€53k▲ 248%
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 recovers in 2025; 2025 is 6,087% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €490k
Fixed assets
€255k▲ 3.4%
Current assets
€235k▲ 28.6%
Equity and liabilities €490k
Equity
€229k▲ 24.4%
Debt
€261k▲ 6.4%
The debt ratio falls from 57.1% to 53.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€108k▲
2024 · €27k
Cash flow
€87k▲
2024 · €41k
Solvency
46.8%▲
2024 · 42.9%
Current ratio
3.06▲
2024 · 2.85
Quick ratio
3.06▲
2024 · 2.80
Debt / equity
1.14▼
2024 · 1.33
ROE
23.1%▲
2024 · 8.3%
ROA
10.8%▲
2024 · 3.5%
Interest coverage
18.17▲
2024 · 5.51
Debt
€261k▲
2024 · €245k
Debt ≤ 1 year
€77k▲
2024 · €64k
Debt > 1 year
€184k▲
2024 · €181k
Income taxes
€18k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€430k€490k▲
Fixed assets21/28€246k€255k▲
Tangible fixed assets22/27€246k€255k▲
Land and buildings22€187k€179k▼
Plant, machinery and equipment23€6k€10k▲
Furniture and vehicles24€54k€67k▲
Current assets29/58€183k€235k▲
Amounts receivable after more than one year29€24k€23k▼
Other amounts receivable291€24k€23k▼
Stocks and contracts in progress3€3k-
Stocks30/36€3k-
Amounts receivable within one year40/41€28k€38k▲
Trade receivables40€16k€28k▲
Other amounts receivable41€11k€11k▼
Cash at bank and in hand54/58€121k€165k▲
Deferred charges and accrued income490/1€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€430k€490k▲
Equity10/15€184k€229k▲
Contributions10/11€6k€6k=
Reserves13€178k€223k▲
Distributable reserves133€178k€223k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€245k€261k▲
Amounts payable after more than one year17€181k€184k▲
Financial debts170/4€181k€184k▲
Amounts payable within one year42/48€64k€77k▲
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€22k€21k▼
Suppliers440/4€22k€21k▼
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€736€4k▲
Other amounts payable47/48€5k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€34k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€29k€112k▲
Operating profit (loss)9901€1k€74k▲
Financial income75/76B€24k€3k▼
Recurring financial income75€1k€3k▲
Non-recurring financial income76B€23k-
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€21k€71k▲
Income taxes67/77€6k€18k▲
Profit (loss) for the period9904€15k€53k▲
Profit (loss) for the period to be appropriated9905€15k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€53k▲
Transfer from equity791/2€0-
Transfer to equity691/2€15k€45k▲
To other reserves6921€15k€45k▲
Profit to be distributed694/7€0€8k▲
Return on contributions (dividend)694€0-
Directors or managers695-€8k
The notes to these accounts (9 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Equity above €200kEq €229k ▲24.4%
5 profitable years in a row build equity to €229k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €56k ▲1447%
Net result €56k, the highest in the series.
31-12
Financial
Equity above €150kEq €169k ▲41%
3 profitable years in a row build equity to €169k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 109 days late
2020
31-12
Financial
Weakest financial yearnet €-2k ▼115%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Equity above €100kEq €108k ▲13.6%
2 profitable years in a row build equity to €108k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
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, Tessenderlo-Ham · 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.
Dennenstraat 113945 Tessenderlo-HamGround area
6,724 m²
Building footprint
2,462 m²
Volume, LiDAR
5,123 m³
2 parcels, Flanders · tallest building 14.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JBS HAM
since 20122.212.344.029
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046B0801/00F002 | Flanders | 5,927 m² | 1 · 2,261 m² | 14.6 m |
| 71046A1490/00M000 | Flanders | 797 m² | 1 · 201 m² | 5.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 · 1 entry · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 180 EUR | 180 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 5,641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2012
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43410Roofing work
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.
Contact details
1 entryPhone:011/34.24.89