JUSAM

Active

Private limited companyfounded 20196 yrs activeBerlaarbaan(CEN) 361, 2860 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0735.605.834

The computed 12-month bankruptcy probability of JUSAM is 2.7% (moderate). The 2025 annual accounts show equity of €246k and a net result of €140k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 90% of 3609 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

93 / 100

Excellent▲ +18 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+48

Growth78▲+10

Stability100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €23k at 30 days acceptable

Liquidity ample (current ratio 3.89 against 1.24 in 2024), and 23.4% 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

Six 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 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

76.6%

Return on assets

43.6%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-04-2026, 114 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

114 d early

2024

70 d early

2023

51 d early

2022

18 d early

2021

18 d early

2020

1 d early

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 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 2025, abbreviated schema

Equity

€246k▲ 132%

2024 · €106k

2020: €106k 2021: €265k 2022: €362k 2023: €302k 2024: €106k

2020 → 2025

Total assets

€321k▼ 8.9%

2024 · €352k

2020: €184k 2021: €414k 2022: €507k 2023: €396k 2024: €352k

2020 → 2025

Net result

€140k▼ 15.6%

2024 · €166k

2020: €100k 2021: €161k 2022: €98k 2023: €197k 2024: €166k

2020 → 2025

Working capital

€217k▲ 267%

2024 · €59k

2020: €58k 2021: €202k 2022: €284k 2023: €238k 2024: €59k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€265k-€362k▲ 36.5%€302k▼ 16.5%€106k▼ 65.0%€246k▲ 132%

Operating result€192k-€124k▼ 35.4%€266k▲ 114%€221k▼ 17.1%€207k▼ 6.3%

Net result€161k-€98k▼ 39.2%€197k▲ 101%€166k▼ 15.6%€140k▼ 15.6%

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 has fallen two years in a row; 2025 is 6% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €321k

90.9%

Fixed assets €29k▼ 37.7%

Current assets €292k▼ 4.5%

Equity and liabilities €321k

76.6%

23.4%

Equity €246k▲ 132%

Debt €75k▼ 69.5%

The debt ratio falls from 69.9% to 23.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€224k▼

2024 · €240k

Cash flow

€158k▼

2024 · €185k

Solvency

76.6%▲

2024 · 30.1%

Current ratio

3.89▲

2024 · 1.24

Quick ratio

3.74▲

2024 · 1.21

Debt / equity

0.31▼

2024 · 2.33

ROE

56.9%▼

2024 · 156.6%

ROA

43.6%▼

2024 · 47.1%

Interest coverage

39.77▼

2024 · 70.43

Debt

€75k▼

2024 · €246k

Debt ≤ 1 year

€75k▼

2024 · €246k

Income taxes

€61k▲

2024 · €51k

Staff costs

€261k▲

2024 · €220k

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€352k€321k▼

Fixed assets21/28€47k€29k▼

Tangible fixed assets22/27€47k€29k▼

Land and buildings22€33k€24k▼

Plant, machinery and equipment23€12k€5k▼

Furniture and vehicles24€2k€504▼

Current assets29/58€306k€292k▼

Stocks and contracts in progress3€7k€11k▲

Stocks30/36€7k€11k▲

Amounts receivable within one year40/41€17k€10k▼

Trade receivables40€12k€5k▼

Other amounts receivable41€5k€6k▲

Cash at bank and in hand54/58€281k€270k▼

Equity and liabilities

Total equity and liabilities10/49€352k€321k▼

Equity10/15€106k€246k▲

Contributions10/11€10k€10k=

Reserves13€96k€236k▲

Distributable reserves133€96k€236k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€246k€75k▼

Amounts payable within one year42/48€246k€75k▼

Trade debts44€22k€18k▼

Suppliers440/4€22k€18k▼

Advances received on contracts in progress46€7k€960▼

Taxes, remuneration and social security45€46k€24k▼

Taxes450/3€38k€24k▼

Remuneration and social security454/9€8k€0▼

Other amounts payable47/48€172k€32k▼

Income statement Code20242025

Remuneration, social security and pensions62€220k€261k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€18k▼

Other operating charges640/8€2k€3k▲

Gross operating margin9900€461k€489k▲

Operating profit (loss)9901€221k€207k▼

Financial income75/76B€134€327▲

Recurring financial income75€134€327▲

Financial charges65/66B€3k€6k▲

Recurring financial charges65€3k€6k▲

Profit (loss) for the period before taxes9903€217k€201k▼

Income taxes67/77€51k€61k▲

Profit (loss) for the period9904€166k€140k▼

Profit (loss) for the period to be appropriated9905€166k€140k▼

Appropriation of the result

Profit (loss) to be appropriated9906€166k€140k▼

Transfer from equity791/2€362k€0▼

Transfer to equity691/2€166k€140k▼

To other reserves6921€166k€140k▼

Profit to be distributed694/7€362k€0▼

Return on contributions (dividend)694€362k€0▼

Social balance

Average headcount (FTE)9087-22.2

The notes to these accounts (16 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 11Financial 5Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-04

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Liquidity triplescurrent ratio 3.89

Current ratio from 1.24 to 3.89; short-term debt falls from €246k to €75k.

31-12

Financial Equity above €200kEq €246k ▲132%

6 profitable years in a row build equity to €246k.

22-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

10-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Highest result since 2020net €197k ▲101%

Operating result €266k, net result €197k, both a record.

13-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €98k ▼39.2%

Net result drops to €98k, the lowest in the series; recovery starts the following year.

13-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Equity above €200kEq €265k ▲151%

2 profitable years in a row build equity to €265k.

30-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

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

Directors · office · real estate

Directors

1 act for this company is 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, Sint-Katelijne-Waver · 1 establishment unit since 2019

establishment approximate 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.

Berlaarbaan(CEN) 3612860 Sint-Katelijne-Waver

Ground area

6,952 m²

Parcel 12422C0418/00F000, Flanders. Linked by address, not a title deed.

1 establishment unit

DE SEATS

Berlaarbaan(CEN) 361, 2860 Sint-Katelijne-WaverFood and beverage service activities

since 20192.294.236.278

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12422C0418/00F000	Flanders	6,952 m²	-	-

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 site

Sint-Katelijne-Waver2.294.236.278

1 permission

Toelating · Eetgelegenheid · since 16-10-2019

Similar companies · same sector, comparable size

Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 8,022 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-10-2019

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 6 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.