Result
-€51,765 -€51,765
From profit to loss in 2025, after a profit of €25,496 in 2024.
3 J
Lifetime
5 annual accounts with figures on one time axispeak €540,062 (2021)
€21,239▼ 78.3%
lowest -€51,765 (2025)
-€51,765▼ €77,261
peak €371,954 (2021)
€297,765▼ 14.8%
€394,977▼ 4.7%
peak 0.7 FTE (2021)
-not published
Board1 name since 2008
1 directorPIEN Sibyl
Documentsfilings and deeds
30-07-20261 days before the deadline
2025abbreviated format
Gross margin from €97,760 to €21,239Loss of €51,765Registered office moved within Antwerp 22-07Equity from €349,530 to €297,765Cash from €28,716 to €61,416
Key points
from the 2025 annual accountsFilings
5 annual accounts 4 late
The 2023 accounts came latest: 104 days after the end of the period.
Position in the sector
-€51,765
Lower net result than 84% of companies in social work without accommodation. Sector median €50,555 · 488 companies.
Checked score
68
Healthy
Financially stronger than 33% of micro companies in social work without accommodation (NACE 88)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 1,129 companies (NACE 88, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024lowest value
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 1.4%▲ +0.9 percentage points vs 07-2025
09-2025: 1.7%▲ +0.3 percentage points vs 08-2025highest value
10-2025: 0.6%▼ -1.1 percentage points vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.7%▲ +0.1 percentage points vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
2 of the last 3 accounts late
1 change of registered office in 24 months
Loss of €51,765 (financial year 2025)
lowers risk
Sector: Social work activities without accommodation (NACE 88)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 88, micro). It does better than 50% of them on solvency, 42% on liquidity, 20% on profitability and 19% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,686 companies had the same profile as 3 J has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 3 J itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,686 companies, not a prediction for 3 J. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.34 (6.03 in 2024), above the usual 1.5. Short-term debt is 8.5% and cash 8.9% of total assets. However, 57% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 day early
2024
49 days late
2023
104 days late
2022
9 days late
2021
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 38 days after the deadline. In the sector (NACE 88), the median for financial year 2024 was 24 days before the deadline, and 25% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved within Antwerp
New registered office: Jozef Kenneslei 15 te 2610 Antwerpen (Wilrijk) · Previous registered office: Antwerpsesteenweg 55 te 2660 Antwerpen (Hoboken) · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0894931502
Capital increase of €25,000 to €25,500
Capital after the increase: €25,500 · Change of role: PIEN Sibyl, from statutory manager to statutory director · “Adviesverlening en therapie bij gezinsproblemen,huwelijksproblemen,verslavingen,kindermishandeling,kinderen…” (deed in Dutch) · Gazette deed
Incorporation
published on 24-01-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 3 J Antwerp | €0.7m | €21,239 | 43.0% | - |
| Werner Konings Kapellen | €0.5m | €43,262 | 6.6% | - |
| Cinemaximiliaan Molenbeek-Saint-Jean | €0.6m | €37,056 | 65.0% | 0.8 |
| Belgisch Consortium voor Noodhulpsituaties Saint-Josse-ten-Noode | €0.5m | - | 37.7% | 1 |
| NOTRE ATELIER Mouscron | €2.4m | €43,071 | 72.6% | - |
| Centre Régional d'Intégration de Mons-Borinage-Wapi Saint-Ghislain | €0.5m | - | 2.1% | 20.6 |
| GROUPE PARTENARIAT LOGEMENT DE CHARLEROI Charleroi | €0.2m | €22,546 | 69.5% | - |
These companies have the same main activity as 3 J: other social work without accommodation (NACE 88999). They are comparable in size and age: total assets between €162,000 and €2.4m, founded between 1996 and 2016.
Official details
Source: KBO- Status
- Active since 15-01-2008Normal situation
- Activity
- Other social work without accommodationNACE 88999
- Joint committee
- 330Health institutions and services · annual accounts 2024
- Establishment unit
- 2.168.473.2062660 Antwerp, since 15-01-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 09-10-2024
Annual accounts 2025
- ≈ €140,000estimated
- €692,743▼ 9.3%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on 3 J
3 J files the abbreviated format. That format states no turnover. The gross margin fell from €540,062 in 2021 to €21,239 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 3 J
- What is the company number of 3 J?
- The company number of 3 J is 0894.931.502. The VAT number is the same number with BE in front: BE 0894.931.502.
- Where is 3 J based?
- The registered office is at Jozef Kenneslei 15, 2610 Antwerp.Company details
- What does 3 J do?
- According to the KBO register, the main activity is other social work without accommodation (NACE 88999).
- What is the legal form of 3 J?
- 3 J is a private limited company (BV).
- When was 3 J founded?
- 3 J was founded on 15-01-2008.
- Is 3 J still active?
- Yes, 3 J is an active enterprise in the KBO register.
- How many employees does 3 J have?
- 3 J had an average of 0.1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does 3 J fall under?
- In its 2024 annual accounts, 3 J states joint committee 330 (Health institutions and services).
- What is the turnover of 3 J?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €21,239 and 2,724 comparable companies of the same size. It probably lies between €60,000 and €360,000. It is a rough estimate.
- Is 3 J profitable?
- In financial year 2025, 3 J made a loss of €51,765.
- Where can I find the annual accounts of 3 J?
- 3 J filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 3 J due?
- 3 J must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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