J²
ActiveThe computed 12-month bankruptcy probability of J² is 2.3% (moderate). The 2025 annual accounts show equity of €30k and a net result of €14k. Equity is growing by ~36.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 17964 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+62
Solvency54▲+35
Growth78=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 0.91 in 2024), but 72.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
27.5%
Return on assets
12.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-09-2026, 36 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
36 d late
2024
57 d late
2023
43 d late
2022
44 d late
2021
20 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 88.2%
2024 · €16k
2021: €7k
2022: €14k
2023: €15k
2024: €16k
2021 → 2025
Total assets
€109k▲ 6.1%
2024 · €103k
2021: €69k
2022: €92k
2023: €101k
2024: €103k
2021 → 2025
Net result
€14k▲ 1,049%
2024 · €1k
2021: €1k
2022: €7k
2023: €531
2024: €1k
2021 → 2025
Working capital
€26k
2024 · €-6k
2021: €15k
2022: €19k
2023: €6k
2024: €-6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€14k▲ 101%€15k▲ 3.8%€16k▲ 8.3%€30k▲ 88.2%
Operating result€3k-€12k▲ 383%€119▼ 99.0%€6k▲ 4,972%€22k▲ 260%
Net result€1k-€7k▲ 572%€531▼ 92.5%€1k▲ 130%€14k▲ 1,049%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 260% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€32k▼ 30.3%
Current assets
€77k▲ 35.3%
Equity and liabilities €109k
Equity
€30k▲ 88.2%
Debt
€79k▼ 9.0%
The debt ratio falls from 84.5% to 72.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €21k
Cash flow
€33k▲
2024 · €17k
Solvency
27.5%▲
2024 · 15.5%
Current ratio
1.52▲
2024 · 0.91
Quick ratio
0.61▲
2024 · 0.33
Debt / equity
2.63▼
2024 · 5.45
ROE
46.9%▲
2024 · 7.7%
ROA
12.9%▲
2024 · 1.2%
Interest coverage
36.83▲
2024 · 13.16
Debt
€79k▼
2024 · €87k
Debt ≤ 1 year
€51k▼
2024 · €63k
Debt > 1 year
€9k▼
2024 · €14k
Income taxes
€7k▲
2024 · €3k
Staff costs
€16k▼
2024 · €95k
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€103k€109k▲
Fixed assets21/28€46k€32k▼
Intangible fixed assets21€11k€2k▼
Tangible fixed assets22/27€35k€30k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€18k€17k▼
Other tangible fixed assets26€562€84▼
Current assets29/58€57k€77k▲
Stocks and contracts in progress3€36k€46k▲
Stocks30/36€36k€46k▲
Amounts receivable within one year40/41€5k€23k▲
Trade receivables40€5k€5k▲
Other amounts receivable41€150€17k▲
Cash at bank and in hand54/58€15k€7k▼
Deferred charges and accrued income490/1€559€911▲
Equity and liabilities
Total equity and liabilities10/49€103k€109k▲
Equity10/15€16k€30k▲
Contributions10/11€6k€6k=
Reserves13€5k€10k▲
Non-distributable reserves130/1€5k€10k▲
Other1319€5k€10k▲
Profit (loss) carried forward14€5k€14k▲
Amounts payable17/49€87k€79k▼
Amounts payable after more than one year17€14k€9k▼
Financial debts170/4€14k€9k▼
Amounts payable within one year42/48€63k€51k▼
Current portion of amounts payable after more than one year42€7k€6k▼
Trade debts44€21k€27k▲
Suppliers440/4€21k€27k▲
Taxes, remuneration and social security45€23k€18k▼
Taxes450/3€14k€18k▲
Remuneration and social security454/9€9k-
Other amounts payable47/48€11k-
Accrued charges and deferred income492/3€10k€20k▲
Income statement
Code20242025
Non-recurring operating income76A€15k€33k▲
Remuneration, social security and pensions62€95k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€19k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€120k€58k▼
Operating profit (loss)9901€6k€22k▲
Financial income75/76B€53€577▲
Recurring financial income75€53€577▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€4k€21k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€1k€14k▲
Profit (loss) for the period to be appropriated9905€1k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€19k▲
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
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
Next filing, fiscal year 2026, expected by
2026
05-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 36 days late
2025
31-12
Financial
Highest result since 2021net €14k ▲1049%
Operating result €22k, net result €14k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 43 days late
2023
31-12
Financial
Weakest financial yearnet €531 ▼92.5%
Net result drops to €531, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 44 days late
2022
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2025
Resigned as Director
01-07-2025
Resigned as Daily management
Location & real-estate footprint
Registered office, Pajottegem · 2 establishment units since 2021
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.
Scherpstraat(HN) 271540 PajottegemGround area
1,822 m²
Building footprint
296 m²
Volume, LiDAR
1,641 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
J²
since 20212.314.416.634
Alsembergsesteenweg 610, 1653 Beersel
since 20212.315.329.226
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23032H0194/00K005 | Flanders | 1,507 m² | 1 · 170 m² | 8.4 m · 2 fl. |
| 23017D0227/00E000 | Flanders | 315 m² | 1 · 126 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0736.314.627
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ISDE
BE 0501.562.650
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GT PRESSE
BE 0777.627.620
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DILPRESS
BE 0546.937.567
Dilbeek · Eq €30k
B'ELA
BE 1006.847.132
Charleroi · Eq €30k
Of 2,320 companies in sector 47621 we hold annual accounts for 1,237. 1,024 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2021
Fiscal year end31-12
Trade name NL
"CARPE DIEM" en "Mijn Tuinman"
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
47784Retail sale of souvenirs and religious articles
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.