Checked.be
Active
BE 0419.714.248Public limited company
IMMO-JAMBES
Avenue du Champ de Mai 16 ·1410 Waterloo, Belgium· 47 yrs active
Conclusion
IMMO-JAMBES has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.65M and a net result of €32k. Equity is shrinking by ~2.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €1.65M |
| Net result | €32k |
| Active | 47 yrs |
| Locations | 1 |
Financial profile
67
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
10
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1979, 47 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€160k
estimate, not credit advice
Score history
86
2021
83
2022
91
2023
94
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 48.09 (≥ 1.5)
+10
Quick ratio
Quick ratio 48.09 (≥ 1.0)
+5
Leverage
Debt/equity 0.01 (< 1.0)
+10
Profitability
ROE 2%
+3
Interest coverage
Interest coverage 20.5× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 14-07-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~2.6%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€86k
+7.7%
21-24
€32k
+29.1%
21-24
€80k
+12.0%
21-24
€1.75M
-4.3%
21-24
€1.65M
+2.0%
21-24
€644k
+11.4%
21-24
€19k
+17.1%
21-24
€115k
+64.3%
21-24
€14k
-88.6%
21-24
€14k
-88.6%
21-24
48.09
+727.4%
21-24
48.09
+727.4%
21-24
94.1%
+6.5%
21-24
0.01
-88.8%
21-24
1.9%
+26.6%
21-24
1.8%
+34.9%
21-24
20.53
-65.7%
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €86k | €80k | €71k | €215k |
| Net profit | €32k | €25k | €16k | €122k |
| Cash flow | €80k | €72k | €63k | €171k |
| Staff costs | - | - | - | - |
| Income taxes | €19k | €16k | €51k | €9k |
| Dividends | - | €115k | €70k | €70k |
| Total assets | €1.75M | €1.83M | €1.88M | €1.98M |
| Equity | €1.65M | €1.62M | €1.71M | €1.76M |
| Debt | €14k | €120k | €79k | €78k |
| of which ≤ 1y | €14k | €120k | €79k | €78k |
| of which > 1y | - | - | - | - |
| Working capital | €644k | €578k | €633k | €682k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 48.09 | 5.81 | 8.97 | 9.71 |
| Quick ratio | 48.09 | 5.81 | 8.97 | 9.71 |
| Working capital ratio | 36.8% | 31.6% | 33.6% | 34.5% |
| Solvency | 94.1% | 88.4% | 90.6% | 89.0% |
| Debt / equity | 0.01 | 0.07 | 0.05 | 0.04 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 20.53 | 59.85 | 1018.91 | 3065.99 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 1.8% | 1.4% | 0.8% | 6.1% |
| ROE | 1.9% | 1.5% | 0.9% | 6.9% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.75M | €1.83M | €1.88M | €1.98M |
| Fixed assets | 21/28 | €1.09M | €1.13M | €1.17M | €1.22M |
| Tangible fixed assets | 22/27 | €1.08M | €1.12M | €1.16M | €1.20M |
| Financial fixed assets | 28 | €16k | €16k | €16k | €16k |
| Current assets | 29/58 | €658k | €698k | €712k | €761k |
| Amounts receivable within one year | 40/41 | €2k | €4k | €2k | €9k |
| Investments | 50/53 | €397k | €401k | €499k | €499k |
| Cash & bank | 54/58 | €253k | €292k | €209k | €251k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.75M | €1.83M | €1.88M | €1.98M |
| Equity | 10/15 | €1.65M | €1.62M | €1.71M | €1.76M |
| Contributions / capital | 10/11 | €868k | €868k | €868k | €868k |
| Reserves | 13 | €334k | €346k | €357k | €485k |
| Accumulated profits (losses) | 14 | €448k | €404k | €482k | €409k |
| Provisions & deferred taxes | 16 | €89k | €93k | €97k | €139k |
| Amounts payable | 17/49 | €14k | €120k | €79k | €78k |
| Amounts payable within one year | 42/48 | €14k | €120k | €79k | €78k |
| Trade debts payable within one year | 44 | €8k | €1k | €345 | €1k |
| Income statement | |||||
| Gross operating margin | 9900 | €101k | €94k | €84k | €246k |
| Operating result | 9901 | €37k | €33k | €24k | €165k |
| Financial income | 75 | €13k | €5k | - | - |
| Financial charges | 65 | €4k | €1k | €70 | €70 |
| Result before taxes | 9903 | €47k | €37k | €24k | €165k |
| Income taxes | 67/77 | €19k | €16k | €51k | €9k |
| Net result for the period | 9904 | €32k | €25k | €16k | €122k |
| Result to be appropriated | 9905 | €44k | €37k | €144k | €18k |
Legal Structure
| NACE primary | - |
| Legal form | Public limited company(014) |
| Incorporation | 30-06-1979 |
| Status | Active |
| Postal code | 1410 |
Establishment units
IMMO JAMBES
since 19792.016.433.921
Real-estate footprint
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0044/00S000 | Wallonia | 2.1 ha | 1 · 716 m² | 29.1 m · 9 fl. |
| 92135C0271/00A000 | Wallonia | 2,661 m² | 1 · 192 m² | 15.2 m · 4 fl. |
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.
Updates
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 48.09
Current ratio from 5.81 to 48.09; short-term debt falls from €120k to €14k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €16k ▼86.9%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Names & trade names
| Legal nameFR | IMMO-JAMBES |