Equity
€39,078 from €79,949 in 2020
Equity fell by 51% in 5 years.
J²
Overview
Lifetime
6 annual accounts with figures on one time axispeak €50,221 (2025)
€50,221▲ 8.9%
lowest -€33,732 (2022)
€11,639▼ 24.5%
peak €79,949 (2020)
€39,078▲ 42.4%
€437,426▼ 17.9%
Board1 name since 2019
1 directorSCHUERMANS Patrick Auguste
Documentsfilings and deeds
05-02-202684 days before the deadline
2025micro format
Equity from €27,439 to €39,078Debts from €532,973 to €437,426Cash from €111,794 to €22,953
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The accounts state no turnover.
Debts
€437,426 92% of the balance sheet
Suppliers 0%Taxes and wages 0%Other 100%
Of this, €436,664 falls due within a year.
Filings
6 annual accounts 1 late
The 2020 accounts came 38 days late. The other five were filed on time.
Starting capital
€101,000 1,010 shares
Position in the sector
8.2%
Lower solvency than 85% of companies in financial services. Sector median 50.9% · 9,770 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Three signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9770 sector peers (2025).
NBB · sector comparisonPosition among 9770 sector peers
Solvency
better than 15%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €39,078
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 05-02-2026, 84 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
84 days early
2024
8 days early
2023
132 days early
2022
88 days early
2021
58 days early
2020
38 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 55 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 5 February (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Board and ownership
- SCHUERMANS Patrick Auguste 505 sharesdeed of 05-03-2019
- REYNDERS Veronique 505 sharesdeed of 05-03-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0721782641
Change of role: SCHUERMANS Patrick Auguste, from manager to director
1,010 shares · Director discharge: SCHUERMANS Patrick Auguste · General meeting of 20-12-2023 · Gazette deed
Registered office moved from Beringen to Bredene
New registered office: Duinenstraat 348A bus 0101 te 8450 Bredene · Previous registered office: Eikelendreef 1 te 3582 Beringen · General meeting of 03-05-2022 · Gazette deed
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Bredene
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J² Bredene | €476,504 | €50,221 | 8.2% | - |
| DESCAMPS INVEST Wervik | €391,770 | €51,503 | 65.8% | - |
| Dt Management Diksmuide | €556,053 | €52,475 | 23.0% | - |
| Stevirom Kortrijk | €482,429 | €55,901 | 92.6% | - |
| CLAY Harelbeke | €585,660 | €52,452 | 66.7% | - |
| IMMO POZZOLO Koekelare | €491,906 | €40,326 | 85.6% | - |
| ELENEX Pittem | €451,942 | €60,517 | 82.8% | - |
These companies have the same main activity as J²: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €392,000 and €586,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 01-03-2019Normal situation
- Activity
- Activities of holding companiesNACE 64210and 1 other
- Establishment unit
- 2.286.624.2538450 Bredene, since 01-03-2019
- Financial year end
- 30 September
- Peppol
- Reachable since 06-08-2025
Annual accounts to 30-09-2025
- €11,639▼ 24.5%
- €39,078▲ 42.4%
- €476,504▼ 15.0%
- Filing
- Filed on 05-02-2026, 84 days before the end of the filing period
Insights on J²
J² files the micro format. That format states no turnover. The gross margin rose from €7,124 in 2020 to €50,221 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 05-02-2026, 84 days before the deadline€39,078
▲ 42.4%
€476,504
▼ 15.0%
€11,639
▼ 24.5%
8.2%
▲ 3.3 percentage points
29.8%
▼ 26.4 percentage points
2.4%
▼ 0.3 percentage points
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance sheet
balance sheet total €476,504 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
8.2%
Higher than 15% of 9,770 companies in 2025.
2.4%
Higher than 29% of 9,624 companies in 2025.
J²
Middle half of the sector
80% of the sector
Micro accounts in financial services (NACE 64)
Net result: middle half · Equity: middle half · Balance sheet total: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
476,504 | 560,412 | 487,716 | 503,150 | 527,423 | 390,179 | |
20 |
- | 0 | 130 | 442 | 754 | 1,066 | |
21/28 |
446,187 | 447,076 | 469,142 | 498,556 | 482,872 | 357,134 | |
22/27 |
443,687 | 444,576 | 466,642 | 496,056 | 480,372 | 354,634 | |
22 |
441,907 | 441,311 | 461,893 | 489,824 | 480,372 | 354,634 | |
24 |
1,781 | 3,265 | 4,749 | 6,233 | - | - | |
28 |
2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | |
29/58 |
30,317 | 113,336 | 18,445 | 4,153 | 43,797 | 31,978 | |
40/41 |
1,250 | 926 | - | - | 25,087 | 1,210 | |
40 |
1,250 | 926 | - | - | 25,087 | 1,210 | |
54/58 |
22,953 | 111,794 | 17,866 | 3,585 | 18,273 | 30,768 | |
490/1 |
6,114 | 616 | 578 | 567 | 436 | - | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
476,504 | 560,412 | 487,716 | 503,150 | 527,423 | 390,179 | |
10/15 |
39,078 | 27,439 | 12,026 | 31,024 | 64,756 | 79,949 | |
10/11 |
101,000 | 101,000 | 101,000 | 101,000 | 101,000 | 101,000 | |
14 |
-61,922 | -73,561 | -88,974 | -69,976 | -36,244 | -21,051 | |
17/49 |
437,426 | 532,973 | 475,690 | 472,126 | 462,667 | 310,230 | |
42/48 |
436,664 | 532,973 | 475,690 | 472,126 | 462,667 | 310,230 | |
44 |
208 | 153 | 9,595 | 3,453 | 28,749 | 8,125 | |
440/4 |
208 | 153 | 9,595 | 3,453 | 28,749 | 8,125 | |
46 |
1,300 | 1,300 | 1,300 | 1,300 | - | - | |
45 |
109 | - | - | - | - | - | |
450/3 |
109 | - | - | - | - | - | |
47/48 |
435,047 | 531,520 | 464,795 | 467,374 | 433,918 | 302,105 | |
492/3 |
762 | - | - | - | - | - | |
| Income statement | |||||||
76A |
0 | 7,183 | - | - | 1,078 | 2,700 | |
9900 |
50,221 | 46,102 | 19,596 | -1,977 | 8,549 | 7,124 | |
630 |
30,594 | 29,699 | 29,726 | 28,779 | 23,104 | 24,452 | |
640/8 |
7,737 | 937 | 8,825 | 4,037 | 1,430 | 6,248 | |
9901 |
11,890 | 15,467 | -18,955 | -34,793 | -15,985 | -23,575 | |
75/76B |
0 | 0 | 2 | 1,140 | 1,078 | 2,735 | |
75 |
0 | 0 | 2 | - | 0 | 35 | |
76B |
- | - | - | 1,140 | 1,078 | 2,700 | |
65/66B |
142 | 54 | 45 | 78 | 286 | 211 | |
65 |
142 | 54 | 45 | 78 | 286 | 211 | |
9903 |
11,748 | 15,413 | -18,998 | -33,732 | -15,193 | -21,051 | |
67/77 |
109 | - | - | - | - | - | |
9904 |
11,639 | 15,413 | -18,998 | -33,732 | -15,193 | -21,051 | |
9905 |
11,639 | 15,413 | -18,998 | -33,732 | -15,193 | -21,051 | |
| Appropriation of the result | |||||||
9906 |
-61,922 | -73,561 | -88,974 | -69,976 | -36,244 | -21,051 | |
14P |
-73,561 | -88,974 | -69,976 | -36,244 | - | - | |
| Document | |||||||
The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 05-02-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 05-02-2026 | 2026-00035953 | |
| 30-09-2024 | micro format | 22-04-2025 | 2025-00072206 | |
| 30-09-2023 | abbreviated format | 20-12-2023 | 2023-00534672 | |
| 30-09-2022 | abbreviated format | 01-02-2023 | 2023-00018153 | |
| 30-09-2021 | abbreviated format | 03-03-2022 | 2022-07100168 | |
| 30-09-2020 | abbreviated format | 07-06-2021 | 2021-17900584 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| 29,705 | 7,503 | 312 | 50,309 | 148,530 | 381,092 | ||
| -88,842 | 93,928 | 14,281 | -14,688 | -12,495 | - | ||
| 8.2% | 4.9% | 2.5% | 6.2% | 12.3% | 20.5% | ||
| 29.8% | 56.2% | -158.0% | -108.7% | -23.5% | -26.3% | ||
| 2.4% | 2.8% | -3.9% | -6.7% | -2.9% | -5.4% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €29,705 | €7,503 | - | €50,309 |
| €30,594 | €29,699 | €29,726 | €28,779 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on J²
The operating result for 2025 is 23% lower than in 2024.
Debt's share of the balance-sheet total falls from 95.1% to 91.8%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, no change since 2024Director (not named in the articles)
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 16-02-2024
Mandates through the years
1 name, the dashed line is todaySCHUERMANS Patrick Auguste
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- SCHUERMANS Patrick Auguste
- Manager, from 01-01-2019 to 16-02-2024
- Director (not named in the articles), appointed by deed of 16-02-2024, still in office
Control
Founders
SCHUERMANS Patrick Auguste, REYNDERS Veronique
This company
J²
Equity €39,078
Profit €11,639 in 2025
Capital
- Contribution
- €101,000
- Shares
- 1,010
- Contribution per share
- €100
- Equity per share
- €38.69 in 2025
- Source
- deed of 16-02-2024
Articles of association
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-02-2024 (in Dutch)
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of March at 18:00deed of 16-02-2024 (in Dutch)
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditordeed of 05-03-2019 (in Dutch)
Shareholders
At incorporation
deed of 05-03-2019 ↗
- SCHUERMANS Patrick Auguste 505 shares (50%) · €50,500
- REYNDERS Veronique 505 shares (50%) · €50,500
Capital transactions
Capital over time
- 16-02-2024 Converted to unavailable equity · €101,000
- 05-03-2019 Incorporation · €101,000 · 1,010 shares
The directors' other companies
1 current director with another company that went bankrupt, was dissolved or struck off1 other company of this director went bankrupt (2023).
- HOME IN 1 bankruptcy on 30-03-2023Official Gazettemandate until 2019
Source: Belgian Official Gazette (bankruptcies, judicial dissolutions, board mandates), FPS Economy (strike-offs) and the KBO register. A bankruptcy, dissolution or strike-off says nothing about the director's part in it.
Network & group
No group
J² has no parent and no holdings in its annual accounts. SCHUERMANS Patrick Auguste is the only director.
At the same address
Duinenstraat 348A, 8450 Bredene · 1 other company| Krapiva, Oleksii (sole trader)
establishment since 10-04-2023 |
founded in 2023 0800.611.967 |
Board mandates elsewhere
1 board mandateBoard mandates of J²J² sits on their board1
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
15 events since 2019Board
Capital
Filings
Financial
Permits
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 84 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0721782641
Annual accounts 2024 filed PDFmicro format · 8 days before the deadline
2024
Back to profit net €15,413 The net result is €15,413, after 4 loss-making years.
Change of role: SCHUERMANS Patrick Auguste, from manager to director1,010 shares · Director discharge: SCHUERMANS Patrick Auguste · General meeting of 20-12-20236 points ▸
- General meeting, 20-12-2023
- 1,010 shares
- Director resignation, SCHUERMANS Patrick Auguste (manager)
- Director discharge, SCHUERMANS Patrick Auguste
- Director appointment, SCHUERMANS Patrick Auguste (director (not named in the articles))
- Registered office clause, Duinenstrat 348A/0101, 8450 Bredene
- The deed holds 8 more points.
2023
Annual accounts 2023 filed PDFabbreviated format · 132 days before the deadline
Annual accounts 2022 filed PDFabbreviated format · 88 days before the deadline
2022
Weakest financial year net -€33,732 The net result drops to -€33,732, the lowest from 2020 to 2025. It recovers the following year.
Registered office moved from Beringen to BredeneNew registered office: Duinenstraat 348A bus 0101 te 8450 Bredene · Previous registered office: Eikelendreef 1 te 3582 Beringen · General meeting of 03-05-20222 points ▸
- General meeting, 03-05-2022
- Registered-office move, Duinenstraat 348A bus 0101 te 8450 Bredene
Annual accounts 2021 filed PDFabbreviated format · 58 days before the deadline
2021
Annual accounts 2020 filed PDFabbreviated format · 38 days late
2019
Environmental permit granted OmgevingsloketVerbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Bredene
Environmental permit granted OmgevingsloketVerbouwen en/of uitbreiden met functiewijziging en met wijziging van het aantal woongelegenheden · Bredene
IncorporationFounding capital of €101,000, 1,010 shares · Founders: SCHUERMANS Patrick Auguste and REYNDERS Veronique · Appointment: SCHUERMANS Patrick Auguste (manager) · published on 05-03-20195 points ▸
- Founder, SCHUERMANS Patrick Auguste
- Founder, REYNDERS Veronique
- Founding capital, €101,000, 1,010 shares
- Capital, €101,000, 1,010 shares
- Director appointment, SCHUERMANS Patrick Auguste (manager)
- The deed holds 7 more points.
First establishment Duinenstraat 348A, Bredene
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0721.782.641
- VAT number
- BE 0721.782.641
- Peppol ID
- 0208:0721782641
- Other Peppol ID
- 9925:BE0721782641
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-03-2019
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of March at 18:00deed of 16-02-2024 (in Dutch)
- Peppol
- Reachable since 06-08-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- J² in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-02-2024 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- J2deed of 16-02-2024 (in Dutch)
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
68201
Real estate activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Beheervanonroerendgoedvooreigenrekeningenvoorrekeningvanderden; Holdingactiviteiten; Borgstellingenvooranderevennootschappen…”deed of 16-02-2024 (in Dutch)
11 activities
- Beheervanonroerendgoedvooreigenrekeningenvoorrekeningvanderden
- Holdingactiviteiten
- Borgstellingenvooranderevennootschappen
- Managementactiviteiten
- Tussenpersoonindehandel
- Commissionair
- Handelsvertegenwoordiger
- Consultancy
- Bedrijfsbegeleiding
- Coaching
- Organisatievanevenementen,team-buildingsessies
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Duinenstraat 348A registered office 8450 Bredene 68110 Buying and selling of own real estate | 01-03-2019 | 2.286.624.253 |
1 former office
- Eikelendreef 1, 3582 Beringen until 01-05-2022 · deed of 10-06-2022
Buildings and parcels at the address
- Ground area
- 224 m²
- Buildings
- 184 m²
- Volume, LiDAR
- 1,816 m³
- Tallest building
- 17.1 m
Buildings to scale, each on its own parcel
Environmental permits
2 applications in Flanders since 2019 · 2 granted| 05-11-2019 | Granted | Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 18-06-2019 · project 2019070839 | Bredene |
| 28-10-2019 | Granted | Verbouwen en/of uitbreiden met functiewijziging en met wijziging van het aantal woongelegenheden submitted 19-06-2019 · project 2019058702 | Bredene |
Source: Omgevingsloket Vlaanderen.
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 35302C0382/00R004 | 224 m² | 1 · 184 m² | 17.1 m · 4 |