Jami Wafel
ActiveJami Wafel has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €16k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
96
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+41
Solvency84▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.47 in 2024), and 46.1% of the assets are financed with debt.
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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.9%
Return on assets
7.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
35 d early
2023
34 d early
2022
3 d early
2021
3 d early
2020
32 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 10.1%
2024 · €102k
2018: €51k
2019: €53k
2020: €57k
2021: €59k
2022: €89k
2023: €90k
2024: €102k
2018 → 2025
Total assets
€209k▲ 14.4%
2024 · €183k
2018: €114k
2019: €136k
2020: €134k
2021: €150k
2022: €168k
2023: €200k
2024: €183k
2018 → 2025
Net result
€16k▲ 158%
2024 · €6k
2018: €-12k
2019: €2k
2020: €3k
2021: €2k
2022: €34k
2023: €696
2024: €6k
2018 → 2025
Working capital
€31k▲ 31.5%
2024 · €24k
2018: €20k
2019: €7k
2020: €12k
2021: €16k
2022: €39k
2023: €18k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€89k▲ 50.9%€90k▲ 0.8%€102k▲ 14.0%€113k▲ 10.1%
Operating result€5k-€55k▲ 987%€5k▼ 91.6%€13k▲ 174%€25k▲ 101%
Net result€2k-€34k▲ 1,358%€696▼ 97.9%€6k▲ 792%€16k▲ 158%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 101% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€103k▼ 5.8%
Current assets
€106k▲ 44.6%
Equity and liabilities €209k
Equity
€113k▲ 10.1%
Provisions
€7k▼ 5.0%
Debt
€89k▲ 22.5%
The debt ratio rises from 39.9% to 42.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€47k▲
2024 · €40k
Cash flow
€38k▲
2024 · €34k
Solvency
53.9%▼
2024 · 56.0%
Current ratio
1.41▼
2024 · 1.47
Quick ratio
1.41▼
2024 · 1.47
Debt / equity
0.79▲
2024 · 0.71
ROE
14.2%▲
2024 · 6.1%
ROA
7.7%▲
2024 · 3.4%
Interest coverage
15.95▲
2024 · 10.98
Debt
€89k▲
2024 · €73k
Debt ≤ 1 year
€75k▲
2024 · €50k
Debt > 1 year
€14k▼
2024 · €23k
Income taxes
€7k▲
2024 · €4k
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€183k€209k▲
Fixed assets21/28€109k€103k▼
Tangible fixed assets22/27€109k€103k▼
Land and buildings22€57k€55k▼
Plant, machinery and equipment23€2k€686▼
Furniture and vehicles24€50k€47k▼
Current assets29/58€73k€106k▲
Amounts receivable within one year40/41€51k€78k▲
Trade receivables40€47k€77k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€20k€24k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€183k€209k▲
Equity10/15€102k€113k▲
Contributions10/11€19k€19k=
Reserves13€84k€94k▲
Tax-exempt reserves132€30k€29k▼
Distributable reserves133€53k€65k▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€8k€7k▼
Deferred taxes168€8k€7k▼
Amounts payable17/49€73k€89k▲
Amounts payable after more than one year17€23k€14k▼
Financial debts170/4€23k€14k▼
Amounts payable within one year42/48€50k€75k▲
Current portion of amounts payable after more than one year42€14k€9k▼
Trade debts44€32k€54k▲
Suppliers440/4€32k€54k▲
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€94€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€22k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€42k€50k▲
Operating profit (loss)9901€13k€25k▲
Financial income75/76B€3€7▲
Recurring financial income75€3€7▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€9k€22k▲
Transfer from deferred taxes780€761€381▼
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€6k€16k▲
Transfer from tax-exempt reserves789€3k€2k▼
Profit (loss) for the period to be appropriated9905€9k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€18k▲
Transfer from equity791/2-€6k
Transfer to equity691/2€9k€18k▲
To other reserves6921€9k€18k▲
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (6 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €102k ▲14%
6 profitable years in a row build equity to €102k.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €34k ▲1358%
Operating result €55k, net result €34k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
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
2 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, Oostende · 1 establishment unit since 2007
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.
Stuiverstraat 5728400 OostendeGround area
1,155 m²
Building footprint
198 m²
Volume, LiDAR
738 m³
Parcel 35020B0533/00M000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JAMI WAFEL
since 20072.165.267.355
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0533/00M000 | Flanders | 1,155 m² | 1 · 197 m² | 6.6 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.165.267.355
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TOP BIZ
BE 0883.266.558
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VAN ASSUR
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ALEMSA
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Of 1,413 companies in sector 46389 we hold annual accounts for 843. 567 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-1996
Fiscal year end30-09
Activities, NACEBEL
46389Wholesale of other food products
46391Wholesale trade
46392Non-specialised wholesale
47110Non-specialised retail sale with food, beverages or tobacco predominating
47111Retail trade
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.