JAMIVA
ActiveSummary
JAMIVA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €67k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency91▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.39 against 1.51 in 2023; short-term debt: 33.8% and cash: 4.2% of total assets), and 33.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €67k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-03-2026, 243 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
243 d late
2023
30 d late
2022
120 d late
2021
79 d late
2020
409 d late
2019
115 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€93k
EBIT margin
11.4%
Net result
€38k▲ 170%
2023 · €14k
2018: €5k
2019: €9k
2020: €28k
2021: €38k
2022: €-77k
2023: €14k
2018 → 2024
Working capital
€47k▲ 322%
2023 · €11k
2018: €16k
2019: €25k
2020: €20k
2021: €60k
2022: €-784
2023: €11k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€54k-€92k▲ 70.4%€15k▼ 83.6%€29k▲ 92.4%€67k▲ 130%
Operating result€43k-€59k▲ 37.7%€-79k€17k€45k▲ 157%
Net result€28k-€38k▲ 35.1%€-77k€14k€38k▲ 170%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 157% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €101k
Fixed assets
€20k ▲ 9.6%
Current assets
€81k ▲ 147%
Equity and liabilities €101k
Equity
€67k ▲ 130%
Debt
€34k ▲ 56.4%
Debt's share of the balance-sheet total falls from 42.8% to 33.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2023 · €22k
Cash flow
€42k▲
2023 · €18k
Current ratio
2.39▲
2023 · 1.51
Debt to equity
0.51▼
2023 · 0.75
ROE
56.5%▲
2023 · 48.0%
ROA
37.4%▲
2023 · 27.5%
Interest coverage
19.41▲
2023 · 10.91
Debt ≤ 1 year
€34k▲
2023 · €22k
Income taxes
€7k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€51k€101k▲
Fixed assets21/28€18k€20k▲
Tangible fixed assets22/27€16k€18k▲
Plant, machinery and equipment23-€679
Furniture and vehicles24€16k€17k▲
Financial fixed assets28€2k€2k=
Current assets29/58€33k€81k▲
Amounts receivable within one year40/41€18k€77k▲
Trade receivables40€10k€2k▼
Other amounts receivable41€7k€75k▲
Cash at bank and in hand54/58€15k€4k▼
Deferred charges and accrued income490/1€60-
Equity and liabilities
Total equity and liabilities10/49€51k€101k▲
Equity10/15€29k€67k▲
Contributions10/11€6k€6k=
Reserves13€23k€61k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€21k€59k▲
Amounts payable17/49€22k€34k▲
Amounts payable within one year42/48€22k€34k▲
Financial debts43-€15k
Credit institutions430/8-€15k
Trade debts44€13k€12k▼
Suppliers440/4€13k€12k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Accrued charges and deferred income492/3€9-
Income statement
Code20232024
Non-recurring operating income76A€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€975
Gross operating margin9900€24k€52k▲
Operating profit (loss)9901€17k€45k▲
Financial income75/76B€209€2k▲
Recurring financial income75€209€2k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€16k€44k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€14k€38k▲
Profit (loss) for the period to be appropriated9905€14k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€38k▲
Profit (loss) brought forward from the previous period14P€-438-
Transfer from equity791/2€438-
Transfer to equity691/2€14k€38k▲
To other reserves6921€14k€38k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 243 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 120 days late
2022
31-12
Financial
Weakest financial yearnet €-77k ▼302%
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 409 days late
2021
31-12
Financial
Highest result since 2018net €38k ▲35.1%
Operating result €59k, net result €38k, both a record.
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
05-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 97 days late
2017
18-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 79 days late
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, Brugge · 1 establishment unit since 2016
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.
Ten Bergeweg 198000 BruggeGround area
1,790 m²
Building footprint
182 m²
Volume, LiDAR
674 m³
Parcel 31807I0289/00B000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JAMIVA
since 20162.254.057.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31807I0289/00B000 | Flanders | 1,790 m² | 1 · 182 m² | 5.3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,125 EUR awarded · 1,125 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,125 EUR | 1,125 EUR |
Schemes
Schadevergoeding van de overheid
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Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,584 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
25110Manufacture of metal structures and parts of structures
43230Insulation installation
47529Retail trade
77320Rental and leasing activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.