WE JAM IMMO
ActiveWE JAM IMMO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €-116k. Equity is shrinking by ~36.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 30% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-56
Solvency43▼-6
Growth32=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity short (current ratio 0.03 against 1.01 in 2024; short-term debt: 6.3% and cash: 0.2% of total assets), and 82.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-116k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-116k▼ 26.9%
2024 · €-91k
2023: €-471
2024: €-91k
2023 → 2025
Working capital
€-56k
2024 · €1k
2023: €227k
2024: €1k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€372k-€281k▼ 24.5%€165k▼ 41.2%
Operating result€4k-€-91k€-116k▼ 26.9%
Net result€-471-€-91k▼ 19,261%€-116k▼ 26.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €116k in 2025 against €91k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €924k
Fixed assets
€922k▼ 7.4%
Current assets
€2k▼ 98.7%
Equity and liabilities €924k
Equity
€165k▼ 41.2%
Debt
€758k▼ 12.5%
The debt ratio rises from 75.5% to 82.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €44k
Cash flow
€-7k▼
2024 · €44k
Solvency
17.9%▼
2024 · 24.5%
Current ratio
0.03▼
2024 · 1.01
Quick ratio
0.03▼
2024 · 1.01
Debt / equity
4.59▲
2024 · 3.08
ROE
-70.0%▼
2024 · -32.4%
ROA
-12.5%▼
2024 · -7.9%
Interest coverage
-150.31▼
2024 · 964.11
Debt
€758k▼
2024 · €866k
Debt ≤ 1 year
€58k▼
2024 · €151k
Debt > 1 year
€700k=
2024 · €700k
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€1.15M€924k▼
Fixed assets21/28€995k€922k▼
Tangible fixed assets22/27€995k€922k▼
Land and buildings22€995k€922k▼
Current assets29/58€152k€2k▼
Cash at bank and in hand54/58€152k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.15M€924k▼
Equity10/15€281k€165k▼
Contributions10/11€177k€177k=
Capital10€177k€177k=
Issued capital100€177k€177k=
Revaluation surpluses12€82k€74k▼
Reserves13€15k€15k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€8k€8k=
Profit (loss) carried forward14€7k€-101k▼
Amounts payable17/49€866k€758k▼
Amounts payable after more than one year17€700k€700k=
Other amounts payable178/9€700k€700k=
Amounts payable within one year42/48€151k€58k▼
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48€150k€48k▼
Accrued charges and deferred income492/3€15k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135k€109k▼
Other operating charges640/8€18k€19k▲
Gross operating margin9900€62k€12k▼
Operating profit (loss)9901€-91k€-116k▼
Financial charges65/66B€46€46▲
Recurring financial charges65€46€46▲
Profit (loss) for the period before taxes9903€-91k€-116k▼
Profit (loss) for the period9904€-91k€-116k▼
Profit (loss) for the period to be appropriated9905€-91k€-116k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-76k€-109k▼
Profit (loss) brought forward from the previous period14P€15k€7k▼
Transfer from equity791/2€83k€8k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-116k
Net result drops to €-116k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
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, Anderlecht
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.
Léon Delacroixstraat 301070 AnderlechtGround area
821 m²
Building footprint
580 m²
Volume, LiDAR
5,258 m³
Parcel 21304B0061/00X004, Brussels · tallest building 20.4 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0061/00X004 | Brussels | 821 m² | 1 · 579 m² | 20.4 m · 3 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
PAUVER
BE 0537.371.387
Westerlo · Eq €165k
BRAAMBES
BE 0896.722.834
Oostkamp · Eq €165k
HUIZE BRABO
BE 0430.460.066
Antwerpen · Eq €165k
DB VASTGOED PROJECTS
BE 0838.724.158
Bierbeek · Eq €166k
DE DURMEN
BE 0864.464.988
Deinze · Eq €166k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,850 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-12-2022
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.