LEDERWAREN JAMA
ActiveLEDERWAREN JAMA has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €-15. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 69% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (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
Profitability69▼-6
Solvency81▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.32 against 2.75 in 2024; short-term debt: 41.2% and cash: 32.6% of total assets), and 44% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
3 d early
2023
on the day
2022
11 d early
2021
12 d early
2020
61 d late
2019
45 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€186k=
2024 · €186k
2018: €178k
2019: €213k
2020: €212k
2021: €224k
2022: €251k
2023: €169k
2024: €186k
2018 → 2025
Total assets
€332k▼ 3.3%
2024 · €344k
2018: €330k
2019: €363k
2020: €384k
2021: €426k
2022: €440k
2023: €442k
2024: €344k
2018 → 2025
Net result
€-15
2024 · €17k
2018: €13k
2019: €34k
2020: €-909
2021: €12k
2022: €27k
2023: €21k
2024: €17k
2018 → 2025
Working capital
€181k▼ 12.4%
2024 · €207k
2018: €144k
2019: €183k
2020: €188k
2021: €214k
2022: €231k
2023: €173k
2024: €207k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€224k-€251k▲ 12.1%€169k▼ 32.6%€186k▲ 10.3%€186k=
Operating result€24k-€36k▲ 51.7%€29k▼ 18.4%€29k▼ 2.0%€4k▼ 87.0%
Net result€12k-€27k▲ 125%€21k▼ 23.0%€17k▼ 16.5%€-15
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 three years in a row; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€14k▼ 25.9%
Current assets
€319k▼ 2.0%
Equity and liabilities €332k
Equity
€186k=
Debt
€146k▼ 7.3%
The debt ratio falls from 45.8% to 44.0%. Debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €36k
Cash flow
€7k▼
2024 · €25k
Solvency
56.0%▲
2024 · 54.2%
Current ratio
2.32▼
2024 · 2.75
Quick ratio
0.87▼
2024 · 1.00
Debt / equity
0.78▼
2024 · 0.85
ROE
0.0%▼
2024 · 9.3%
ROA
0.0%▼
2024 · 5.1%
Interest coverage
6.39▼
2024 · 15.03
Debt
€146k▼
2024 · €158k
Debt ≤ 1 year
€137k▲
2024 · €118k
Debt > 1 year
€9k▼
2024 · €11k
Income taxes
€2k▼
2024 · €10k
Staff costs
€52k▲
2024 · €46k
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€344k€332k▼
Fixed assets21/28€19k€14k▼
Tangible fixed assets22/27€17k€12k▼
Plant, machinery and equipment23€780€3k▲
Furniture and vehicles24€12k€8k▼
Other tangible fixed assets26€4k€1k▼
Financial fixed assets28€2k€2k=
Current assets29/58€325k€319k▼
Stocks and contracts in progress3€207k€199k▼
Stocks30/36€207k€199k▼
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€515€800▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€112k€108k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€344k€332k▼
Equity10/15€186k€186k=
Contributions10/11€63k€63k=
Reserves13€124k€124k=
Distributable reserves133€124k€124k=
Amounts payable17/49€158k€146k▼
Amounts payable after more than one year17€11k€9k▼
Financial debts170/4€11k€9k▼
Amounts payable within one year42/48€118k€137k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€107k€118k▲
Suppliers440/4€107k€118k▲
Taxes, remuneration and social security45€8k€17k▲
Taxes450/3€4k€12k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€1k€0▼
Accrued charges and deferred income492/3€28k€212▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€-4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€78k€61k▼
Operating profit (loss)9901€29k€4k▼
Financial income75/76B€1k€459▼
Recurring financial income75€1k€459▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€28k€2k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€17k€-15▼
Profit (loss) for the period to be appropriated9905€17k€-15▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€-15▼
Transfer from equity791/2-€15
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Social balance
Average headcount (FTE)9087-1.1
The notes to these accounts (20 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-909 ▼103%
Net result drops to €-909, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Highest result since 2018net €34k ▲173%
Operating result €37k, net result €34k, both a record.
31-12
Financial
Equity above €200kEq €213k ▲19.2%
2 profitable years in a row build equity to €213k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mortsel · 1 establishment unit since 1989
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.
Statielei 42-442640 MortselGround area
232 m²
Building footprint
153 m²
Volume, LiDAR
1,582 m³
Parcel 11513C0282/00N004, Flanders · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LEDERWAREN JAMA
since 19892.044.432.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0282/00N004 | Flanders | 232 m² | 1 · 153 m² | 15.9 m · 5 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.
Similar companies · same sector, comparable size
LEDERWAREN SAHAN
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LA MODE DE PARIS
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BODART-KIRSCH
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Of 411 companies in sector 47722 we hold annual accounts for 165. 125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-1989
Fiscal year end31-12
Activities, NACEBEL
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.