3J GROUP
Active3J GROUP has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €286k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+24
Solvency43▲+17
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 0.97 in 2024; short-term debt: 81.5% and cash: 25.2% of total assets), and 81.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
18.5%
Return on assets
18.1%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 3163 sector peers (2025).
NBB · sector comparisonPosition among 3163 sector peers
Solvency
better than 21%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021222425
2018 to 2025 · latest year €292k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
45 d early
2022
30 d late
2021
41 d early
2020
53 d early
2019
23 d early
2018
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€286k
2024 · €-14k
2018: €-1k
2019: €-248
2020: €-7k
2021: €-16k
2022: €180k
2024: €-14k
2018 → 2025
Working capital
€249k
2024 · €-31k
2018: €-1k
2019: €-3k
2020: €-53k
2021: €-72k
2022: €-41k
2024: €-31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€12k-€-4k€20k€6k▼ 70.1%€292k▲ 4,788%
Operating result€-7k-€-17k▼ 149%€-22k▼ 27.2%€-30k▼ 39.1%€-52k▼ 69.9%
Net result€-7k-€-16k▼ 145%€180k€-14k€286k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €30k 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 €1.58M
Fixed assets
€43k▼ 16.5%
Current assets
€1.54M▲ 56.5%
Equity and liabilities €1.58M
Equity
€292k▲ 4,788%
Debt
€1.29M▲ 25.3%
The debt ratio falls from 99.4% to 81.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-44k▼
2024 · €-21k
Cash flow
€294k▲
2024 · €-5k
Solvency
18.5%▲
2024 · 0.6%
Current ratio
1.19▲
2024 · 0.97
Quick ratio
1.19▲
2024 · 0.97
Debt / equity
4.42
ROE
98.0%▲
2024 · -234.2%
ROA
18.1%▲
2024 · -1.4%
Interest coverage
-1.79▼
2024 · -1.26
Debt
€1.29M▲
2024 · €1.03M
Debt ≤ 1 year
€1.29M▲
2024 · €1.02M
Income taxes
€342▼
2024 · €445
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€1.04M€1.58M▲
Fixed assets21/28€52k€43k▼
Tangible fixed assets22/27€9k€1k▼
Furniture and vehicles24€9k€1k▼
Financial fixed assets28€43k€42k▼
Current assets29/58€985k€1.54M▲
Amounts receivable within one year40/41€966k€1.14M▲
Trade receivables40€0-
Other amounts receivable41€966k€1.14M▲
Cash at bank and in hand54/58€12k€399k▲
Deferred charges and accrued income490/1€7k€434▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.58M▲
Equity10/15€6k€292k▲
Contributions10/11€20k€20k=
Capital10€0-
Issued capital100€0-
Outside capital11€20k-
Other1109/19€20k-
Reserves13-€272k
Distributable reserves133-€272k
Profit (loss) carried forward14€-14k€0▲
Amounts payable17/49€1.03M€1.29M▲
Amounts payable within one year42/48€1.02M€1.29M▲
Trade debts44€0-
Suppliers440/4€0-
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€445€342▼
Taxes450/3€445€342▼
Other amounts payable47/48€1.02M€1.29M▲
Accrued charges and deferred income492/3€15k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€-15k€-39k▼
Operating profit (loss)9901€-30k€-52k▼
Financial income75/76B€33k€363k▲
Recurring financial income75€33k€37k▲
Non-recurring financial income76B-€326k
Financial charges65/66B€17k€25k▲
Recurring financial charges65€17k€25k▲
Profit (loss) for the period before taxes9903€-14k€287k▲
Income taxes67/77€445€342▼
Profit (loss) for the period9904€-14k€286k▲
Profit (loss) for the period to be appropriated9905€-14k€286k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€272k▲
Profit (loss) brought forward from the previous period14P€0€-14k▼
Transfer to equity691/2-€272k
To other reserves6921-€272k
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Back to profitnet €286k
Net result €286k after one loss-making year.
31-03
Financial
Equity above €200kEq €292k ▲4788%
Equity rises from €6k to €292k.
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Back to profitnet €180k
Net result €180k after 4 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tournai · 1 establishment unit since 2017
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.
Rue de Barges(TOU) 57500 TournaiGround area
202 m²
Building footprint
89 m²
Volume, LiDAR
1,057 m³
Parcel 57081I0949/00_000, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
3J GROUP
since 20172.264.989.194
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081I0949/00_000 | Wallonia | 201 m² | 1 · 89 m² | 13.6 m · 4 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.
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ALMO CONSULTING
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Ay Capital
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 38,288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2017
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.