Summary
BIG j is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €305,468 and a net result of €21,673. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 6166 sector peers (fiscal year 2024). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
71 d late
2022
123 d early
2021
89 d early
2020
2 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€305,468▲ 7.6%
2023 · €283,795
Net result
€21,673▼ 46.7%
2023 · €40,658
Total assets
€523,394▲ 1.3%
2023 · €516,837
Solvency
58.4%▲ 3.5pp
2023 · 54.9%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€9,022▲ 69.7%€8,123▼ 10.0%€7,961▼ 2.0%-€4,874€31,489
Net result€6,848within the sector's middle half▲ 73.4%€5,687within the sector's middle half▼ 17.0%€5,944within the sector's middle half▲ 4.5%€40,658within the sector's middle half▲ 584%€21,673within the sector's middle half▼ 46.7%
Equity€218,471within the sector's middle half▲ 3.2%€224,158within the sector's middle half▲ 2.6%€230,102within the sector's middle half▲ 2.7%€283,795within the sector's middle half▲ 23.3%€305,468within the sector's middle half▲ 7.6%
Total assets€224,666within the sector's middle half▼ 17.1%€229,742within the sector's middle half▲ 2.3%€231,364within the sector's middle half▲ 0.7%€516,837below the sector's middle half▲ 123%€523,394below the sector's middle half▲ 1.3%
Debt€6,195▼ 89.5%€5,584▼ 9.9%€1,263▼ 77.4%€233,042▲ 18,357%€217,925▼ 6.5%
Working capital€20,280within the sector's middle half▲ 51.0%€25,966within the sector's middle half▲ 28.0%€31,911within the sector's middle half▲ 22.9%€72,519within the sector's middle half▲ 127%€121,017within the sector's middle half▲ 66.9%
Solvency97.2%above the sector's middle half▲ 19.1pp97.6%above the sector's middle half▲ 0.3pp99.5%above the sector's middle half▲ 1.9pp54.9%within the sector's middle half▼ 44.5pp58.4%within the sector's middle half▲ 3.5pp
Current ratio4.27above the sector's middle half▲ 3.055.65above the sector's middle half▲ 1.3826.27above the sector's middle half▲ 20.622.96within the sector's middle half▼ 23.313.26above the sector's middle half▲ 0.30
Return on assets (ROA)3.0%within the sector's middle half▲ 1.6pp2.5%within the sector's middle half▼ 0.6pp2.6%within the sector's middle half▲ 0.1pp7.9%within the sector's middle half▲ 5.3pp4.1%within the sector's middle half▼ 3.7pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €31,489 after a loss of €4,874 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €523,394
Fixed assets
€348,818 ▼ 14.4%
Current assets
€174,575 ▲ 59.4%
Equity and liabilities €523,394
Equity
€305,468 ▲ 7.6%
Debt
€217,925 ▼ 6.5%
Debt's share of the balance-sheet total falls from 45.1% to 41.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.1%▼
2023 · 14.3%
Debt ≤ 1 year
€53,558▲
2023 · €37,005
Debt > 1 year
€164,368▼
2023 · €195,652
Income taxes
€4,993▲
2023 · -€10
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €67,222 | €58,494 | ▼ 13.0% |
| Other operating charges640/8 | - | €533 | €537 | €19,726 | €889 | ▼ 95.5% |
| Gross operating margin9900 | €9,572 | €8,656 | €8,498 | €82,074 | €90,871 | ▲ 10.7% |
| Operating profit (loss)9901 | €9,022 | €8,123 | €7,961 | -€4,874 | €31,489 | ▲ 746% |
| Financial income75/76B | - | - | - | €48,018 | €90 | ▼ 99.8% |
| Recurring financial income75 | - | - | - | €48,018 | €90 | ▼ 99.8% |
| Financial charges65/66B | - | €117 | €39 | €2,498 | €4,913 | ▲ 96.7% |
| Recurring financial charges65 | €51 | €117 | €39 | €2,498 | €4,913 | ▲ 96.7% |
| Profit (loss) for the period before taxes9903 | €8,972 | €8,006 | €7,922 | €40,647 | €26,667 | ▼ 34.4% |
| Income taxes67/77 | €2,124 | €2,319 | €1,978 | -€10 | €4,993 | ▲ 48,346% |
| Profit (loss) for the period9904 | €6,848 | €5,687 | €5,944 | €40,658 | €21,673 | ▼ 46.7% |
| Profit (loss) for the period to be appropriated9905 | €6,848 | €5,687 | €5,944 | €40,658 | €21,673 | ▼ 46.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €224,666 | €229,742 | €231,364 | €516,837 | €523,394 | ▲ 1.3% |
| Fixed assets21/28 | €198,191 | €198,191 | €198,191 | €407,312 | €348,818 | ▼ 14.4% |
| Tangible fixed assets22/27 | - | - | - | €208,951 | €150,458 | ▼ 28.0% |
| Land and buildings22 | - | - | - | €208,951 | €150,458 | ▼ 28.0% |
| Financial fixed assets28 | €198,191 | €198,191 | €198,191 | €198,361 | €198,361 | = |
| Current assets29/58 | €26,475 | €31,551 | €33,173 | €109,525 | €174,575 | ▲ 59.4% |
| Amounts receivable within one year40/41 | €7,486 | €4,155 | €5,630 | €89,420 | €97,445 | ▲ 9.0% |
| Trade receivables40 | - | €3,630 | €3,630 | €39,102 | €50,500 | ▲ 29.1% |
| Other amounts receivable41 | - | €525 | €2,000 | €50,318 | €46,945 | ▼ 6.7% |
| Cash at bank and in hand54/58 | €18,765 | €27,027 | €27,175 | €19,881 | €77,130 | ▲ 288% |
| Deferred charges and accrued income490/1 | - | €369 | €369 | €223 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €224,666 | €229,742 | €231,364 | €516,837 | €523,394 | ▲ 1.3% |
| Equity10/15 | €218,471 | €224,158 | €230,102 | €283,795 | €305,468 | ▲ 7.6% |
| Contributions10/11 | €40,000 | €40,000 | €40,000 | €61,986 | €61,986 | = |
| Capital10 | - | €40,000 | €40,000 | - | - | - |
| Issued capital100 | - | €40,000 | €40,000 | - | - | - |
| Reserves13 | €178,000 | €184,000 | €189,900 | €221,809 | €243,482 | ▲ 9.8% |
| Non-distributable reserves130/1 | - | €4,000 | €4,000 | €0 | - | - |
| Legal reserve130 | - | €4,000 | €4,000 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0 | - | - |
| Distributable reserves133 | - | €180,000 | €185,900 | €221,809 | €243,482 | ▲ 9.8% |
| Profit (loss) carried forward14 | €471 | €158 | €202 | €0 | - | - |
| Amounts payable17/49 | €6,195 | €5,584 | €1,263 | €233,042 | €217,925 | ▼ 6.5% |
| Amounts payable after more than one year17 | - | - | - | €195,652 | €164,368 | ▼ 16.0% |
| Financial debts170/4 | - | - | - | €195,652 | €164,368 | ▼ 16.0% |
| Amounts payable within one year42/48 | €6,195 | €5,584 | €1,263 | €37,005 | €53,558 | ▲ 44.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €30,581 | €31,284 | ▲ 2.3% |
| Trade debts44 | €1,393 | €1,393 | €759 | €3,749 | €19,129 | ▲ 410% |
| Suppliers440/4 | - | €1,393 | €759 | €3,749 | €19,129 | ▲ 410% |
| Taxes, remuneration and social security45 | - | €3,169 | €504 | €1,328 | €2,966 | ▲ 123% |
| Taxes450/3 | - | €3,169 | €504 | €1,328 | €2,966 | ▲ 123% |
| Other amounts payable47/48 | - | €1,022 | - | €1,347 | €178 | ▼ 86.8% |
| Accrued charges and deferred income492/3 | - | - | - | €384 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,848 | €5,687 | €5,944 | €40,658 | €21,673 | ▼ 46.7% |
| + Depreciation and write-downs630 | - | - | - | €67,222 | €58,494 | ▼ 13.0% |
| Operating cash flow (approximation) | €6,848 | €5,687 | €5,944 | €107,880 | €80,167 | ▼ 25.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€276,343 | €0 | ▲ 100% |
| Change in cash | - | €8,262 | €148 | -€7,293 | €57,249 | ▲ 885% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
27-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 71 days late
2023
31-12
Financial
Highest result since 2018net €40,658 ▲584%
Net result €40,658, the highest in the series.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 26.27
Current ratio from 5.65 to 26.27; short-term debt falls from €5,584 to €1,263.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 4.27
Current ratio from 1.23 to 4.27; short-term debt falls from €59,243 to €6,195.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €3,950 ▼56.6%
Net result drops to €3,950, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 1993
Ground area
4,308 m²
Building footprint
2,240 m²
Volume, LiDAR
10,377 m³
Parcel 12402A0082/00M000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
BIG J.
since 19932.061.435.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402A0082/00M000 | Flanders | 4,308 m² | 1 · 2,240 m² | 9.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 owners · 1 holdingOwners 2
-
50%
-
33%
Holdings 1
-
100%
According to the 2024 annual accounts of BIG j and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,788 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded03-02-1993
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449396842
Also
9925:BE0449396842
Registered
07-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.