Checked.be
Active
BE 0798.295.350Private limited company
J-Flow
Hamerstraat(STE) 62 ·9190 Stekene, Belgium· 3 yrs active
Sector: Office administrative and support services
(82100)
Conclusion
J-Flow has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €14k. Equity is growing by ~143.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 7538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €19k |
| Net result | €14k |
| Staff (FTE) | 1 |
| Better than sector | 46% |
Financial profile
90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
100
Solvency
84
Growth
78
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score history
60
2023
78
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.66 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.66 (≥ 1.0)
+5
Leverage
Debt/equity 1.18 (< 2.0)
+3
Profitability
ROE 72% (≥ 10%)
+10
Interest coverage
Interest coverage 332.4× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 08-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Net result: growth of ~117.1%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 82, Office administrative, office support and other business support activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 46.0% | 50.9% | |
| Net result | €14k | €16k | |
| Equity | €19k | €58k | |
| Gross operating margin | €43k | €40k | |
| Staff costs | €23k | €25k |
€19k
-
23-25
€14k
+140.0%
23-25
€14k
-
23-25
€41k
+106.4%
23-25
€19k
+208.2%
23-25
€15k
+140.6%
23-25
1
-
23-25
€23k
-
23-25
€5k
+116.8%
23-25
€833
-3.0%
23-25
€22k
+61.2%
23-25
€22k
+61.2%
23-25
1.66
+15.2%
23-25
1.66
+15.2%
23-25
46.0%
+49.3%
23-25
1.18
-47.7%
23-25
71.9%
-22.1%
23-25
33.1%
+16.3%
23-25
332.37
-
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €19k | - | - |
| Net profit | €14k | €6k | €333 |
| Cash flow | €14k | - | - |
| Staff costs | €23k | - | - |
| Income taxes | €5k | €2k | €213 |
| Dividends | €833 | €859 | - |
| Total assets | €41k | €20k | €9k |
| Equity | €19k | €6k | €1k |
| Debt | €22k | €14k | €8k |
| of which ≤ 1y | €22k | €14k | €8k |
| of which > 1y | - | - | - |
| Working capital | €15k | €6k | €1k |
| Employees (FTE) | 1.0 | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 1.66 | 1.44 | 1.17 |
| Quick ratio | 1.66 | 1.44 | 1.17 |
| Working capital ratio | 35.9% | 30.8% | 14.5% |
| Solvency | 46.0% | 30.8% | 14.5% |
| Debt / equity | 1.18 | 2.25 | 5.91 |
| Long-term debt ratio | - | - | - |
| Interest coverage | 332.37 | - | - |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 33.1% | 28.4% | 3.6% |
| ROE | 71.9% | 92.3% | 25.0% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €41k | €20k | €9k |
| Fixed assets | 21/28 | €4k | - | - |
| Tangible fixed assets | 22/27 | €3k | - | - |
| Financial fixed assets | 28 | €1k | - | - |
| Current assets | 29/58 | €37k | €20k | €9k |
| Amounts receivable within one year | 40/41 | €12k | €10k | €2k |
| Investments | 50/53 | €10 | €7k | - |
| Cash & bank | 54/58 | €5k | €2k | €5k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €41k | €20k | €9k |
| Equity | 10/15 | €19k | €6k | €1k |
| Contributions / capital | 10/11 | €1k | €1k | €1k |
| Reserves | 13 | €18k | €5k | €333 |
| Amounts payable | 17/49 | €22k | €14k | €8k |
| Amounts payable within one year | 42/48 | €22k | €14k | €8k |
| Trade debts payable within one year | 44 | €2k | €747 | €998 |
| Income statement | ||||
| Gross operating margin | 9900 | €43k | €8k | €1k |
| Operating result | 9901 | €19k | €8k | €564 |
| Financial income | 75 | €8 | €3 | €0 |
| Financial charges | 65 | €58 | €97 | €18 |
| Result before taxes | 9903 | €18k | €8k | €546 |
| Income taxes | 67/77 | €5k | €2k | €213 |
| Net result for the period | 9904 | €14k | €6k | €333 |
| Result to be appropriated | 9905 | €14k | €6k | €333 |
Legal Structure
| NACE primary | Office administrative and support services(82100) |
| Legal form | Private limited company(610) |
| Incorporation | 09-02-2023 |
| Status | Active |
| Postal code | 9190 |
Establishment units
J-Flow
since 20232.341.392.433
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C1105/00K000 | Flanders | 501 m² | 1 · 92 m² | 7.6 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €14k ▲140%
Operating result €19k, net result €14k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Office administrative and support services82100Office administrative, office support and other business support activities82110Business and other management consultancy70200Business consulting70220Pet care services, excluding veterinary services96993Pet training96994Pet boarding96995
Names & trade names
| Legal nameNL | J-Flow |
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