SHAMA JAMIL
ActiveThe computed 12-month bankruptcy probability of SHAMA JAMIL is 1.5% (moderate). The 2025 annual accounts show equity of €39k and a net result of €-13k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 17987 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability3▼-4
Solvency99▲+6
Growth44▼-5
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 21.09 against 1.77 in 2024), and 36.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
63.8%
Return on assets
-20.7%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€13k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
6 d late
2023
7 d early
2022
8 d late
2021
9 d late
2020
94 d early
2019
24 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€411k▼ 21.6%
2024 · €525k
2019: €458k
2020: €333k
2021: €513k
2022: €617k
2023: €569k
2024: €525k
2019 → 2025
EBIT margin
-3.0%▼ 1.0pp
2024 · -2.0%
2019: 0.2%
2020: 13.0%
2021: 0.0%
2022: 1.7%
2023: 0.3%
2024: -2.0%
2019 → 2025
Net result
€-13k▼ 156%
2024 · €-5k
2019: €-2k
2020: €34k
2021: €-4k
2022: €8k
2023: €1k
2024: €-5k
2019 → 2025
Working capital
€32k▲ 53.0%
2024 · €21k
2019: €4k
2020: €38k
2021: €47k
2022: €34k
2023: €40k
2024: €21k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€513k-€617k▲ 20.4%€569k▼ 7.8%€525k▼ 7.8%€411k▼ 21.6%
Equity€47k-€55k▲ 17.5%€56k▲ 2.0%€51k▼ 8.7%€39k▼ 24.6%
Operating result€-188-€11k€2k▼ 85.3%€-11k€-12k▼ 16.1%
Net result€-4k-€8k€1k▼ 86.7%€-5k€-13k▼ 156%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €11k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€27k▼ 31.1%
Current assets
€34k▼ 30.0%
Equity and liabilities €60k
Equity
€39k▼ 24.6%
Debt
€22k▼ 38.8%
The debt ratio falls from 41.2% to 36.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-261▼
2024 · €369
Cash flow
€-539▼
2024 · €6k
Solvency
63.8%▲
2024 · 58.8%
Current ratio
21.09▲
2024 · 1.77
Quick ratio
0.96▲
2024 · 0.48
Debt / equity
0.57▼
2024 · 0.70
ROE
-32.5%▼
2024 · -9.6%
ROA
-20.7%▼
2024 · -5.6%
Interest coverage
-1.22▼
2024 · 3.53
Debt
€22k▼
2024 · €36k
Debt ≤ 1 year
€2k▼
2024 · €27k
Debt > 1 year
€20k▲
2024 · €9k
Income taxes
€140▲
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€87k€60k▼
Fixed assets21/28€39k€27k▼
Tangible fixed assets22/27€39k€27k▼
Furniture and vehicles24€39k€27k▼
Current assets29/58€48k€34k▼
Stocks and contracts in progress3€35k€32k▼
Stocks30/36€35k€32k▼
Amounts receivable within one year40/41€12k€341▼
Other amounts receivable41€12k€341▼
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1-€12
Equity and liabilities
Total equity and liabilities10/49€87k€60k▼
Equity10/15€51k€39k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€33k€20k▼
Amounts payable17/49€36k€22k▼
Amounts payable after more than one year17€9k€20k▲
Other amounts payable178/9€9k€20k▲
Amounts payable within one year42/48€27k€2k▼
Trade debts44€27k€513▼
Suppliers440/4€27k€513▼
Taxes, remuneration and social security45-€915
Remuneration and social security454/9-€915
Other amounts payable47/48-€178
Income statement
Code20242025
Turnover70€525k€411k▼
Goods, raw materials, services and sundry goods60/61€527k€426k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€4k€3k▼
Operating profit (loss)9901€-11k€-12k▼
Financial income75/76B€226€75▼
Recurring financial income75€226€75▼
Non-recurring financial income76B-€75
Financial charges65/66B€104€214▲
Recurring financial charges65€104€214▲
Profit (loss) for the period before taxes9903€-10k€-12k▼
Income taxes67/77€-6k€140▲
Profit (loss) for the period9904€-5k€-13k▼
Profit (loss) for the period to be appropriated9905€-5k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€20k▼
Profit (loss) brought forward from the previous period14P€37k€33k▼
The notes to these accounts (4 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
31-12
Financial
Liquidity times 12current ratio 21.09
Current ratio from 1.77 to 21.09; short-term debt falls from €27k to €2k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.03
Current ratio from 1.96 to 5.03.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 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, Quiévrain · 2 establishment units since 2018
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.
Rue de Valenciennes 647380 QuiévrainGround area
344 m²
Building footprint
103 m²
Volume, LiDAR
981 m³
2 parcels, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Vidéo Club 7 Day & Night
since 20182.280.310.642
TABAC SHOP
since 20182.280.310.741
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53068A0008/00F018 | Wallonia | 282 m² | 1 · 103 m² | 12.5 m · 3 fl. |
| 53041B0284/00Z000 | Wallonia | 61 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBoussu2.280.310.741
Quiévrain2.280.310.642
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Of 413 companies in sector 47260 we hold annual accounts for 260. 206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2018
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47271Retail trade
47291Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
47750Retail sale of cosmetics and toilet articles
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47784Retail sale of souvenirs and religious articles
47786Retail trade
77220Rental and leasing activities
77229Renting and leasing of other personal and household goods
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.