Summary
J & L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €207,920 and a net result of €49,467. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 70% of 8102 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 3 accounts on average 49 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 (2)
History
On 8 February 2022, J & L was incorporated as a Private limited company by two natural persons, with a starting capital of EUR 5,000.12 Of the 2 current board members, KONINGS Arlinda Maria Franciscus has served longest, since 2022.2 Total assets went from EUR 121,683 in 2023 to EUR 283,939 in 2025.3
Go further with this company
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
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).
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €8,582 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,918 | €27,299 | €27,370 | ▲ 0.3% |
| Other operating charges640/8 | €2,178 | €806 | €822 | ▲ 2.1% |
| Non-recurring operating charges66A | €3,000 | €9,862 | €0 | ▼ 100% |
| Gross operating margin9900 | €161,469 | €142,498 | €39,750 | ▼ 72.1% |
| Operating profit (loss)9901 | €112,373 | €104,531 | €11,557 | ▼ 88.9% |
| Financial income75/76B | €0 | €383 | €50,397 | ▲ 13,042% |
| Recurring financial income75 | €0 | €383 | €397 | ▲ 3.6% |
| Non-recurring financial income76B | - | - | €50,000 | - |
| Financial charges65/66B | €116 | €4,273 | €3,395 | ▼ 20.6% |
| Recurring financial charges65 | €116 | €4,273 | €3,395 | ▼ 20.6% |
| Profit (loss) for the period before taxes9903 | €112,258 | €100,641 | €58,560 | ▼ 41.8% |
| Income taxes67/77 | €33,806 | €25,640 | €9,093 | ▼ 64.5% |
| Profit (loss) for the period9904 | €78,452 | €75,001 | €49,467 | ▼ 34.0% |
| Profit (loss) for the period to be appropriated9905 | €78,452 | €75,001 | €49,467 | ▼ 34.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €121,683 | €301,476 | €283,939 | ▼ 5.8% |
| Fixed assets21/28 | €65,747 | €226,389 | €49,019 | ▼ 78.3% |
| Tangible fixed assets22/27 | €65,747 | €76,389 | €49,019 | ▼ 35.8% |
| Plant, machinery and equipment23 | €17,608 | €7,649 | €5,350 | ▼ 30.1% |
| Furniture and vehicles24 | €48,138 | €68,740 | €43,669 | ▼ 36.5% |
| Financial fixed assets28 | - | €150,000 | €0 | ▼ 100% |
| Current assets29/58 | €55,936 | €75,087 | €234,920 | ▲ 213% |
| Amounts receivable within one year40/41 | €25,839 | €15,713 | €205,724 | ▲ 1,209% |
| Trade receivables40 | €25,827 | €14,405 | €5,724 | ▼ 60.3% |
| Other amounts receivable41 | €12 | €1,307 | €200,000 | ▲ 15,197% |
| Current investments50/53 | - | €29,999 | €15,054 | ▼ 49.8% |
| Cash at bank and in hand54/58 | €28,867 | €27,678 | €14,051 | ▼ 49.2% |
| Deferred charges and accrued income490/1 | €1,230 | €1,698 | €91 | ▼ 94.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €121,683 | €301,476 | €283,939 | ▼ 5.8% |
| Equity10/15 | €83,452 | €158,453 | €207,920 | ▲ 31.2% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €78,452 | €153,453 | €202,920 | ▲ 32.2% |
| Distributable reserves133 | €78,452 | €153,453 | €202,920 | ▲ 32.2% |
| Amounts payable17/49 | €38,231 | €143,023 | €76,019 | ▼ 46.8% |
| Amounts payable after more than one year17 | - | €24,390 | €7,323 | ▼ 70.0% |
| Financial debts170/4 | - | €24,390 | €7,323 | ▼ 70.0% |
| Amounts payable within one year42/48 | €38,231 | €118,633 | €68,695 | ▼ 42.1% |
| Current portion of amounts payable after more than one year42 | - | €16,371 | €17,066 | ▲ 4.3% |
| Trade debts44 | €656 | €2,606 | €625 | ▼ 76.0% |
| Suppliers440/4 | €656 | €2,606 | €625 | ▼ 76.0% |
| Taxes, remuneration and social security45 | €37,574 | €60,213 | €36,787 | ▼ 38.9% |
| Taxes450/3 | €37,574 | €60,213 | €36,787 | ▼ 38.9% |
| Other amounts payable47/48 | €1 | €39,444 | €14,217 | ▼ 64.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €78,452 | €75,001 | €49,467 | ▼ 34.0% |
| + Depreciation and write-downs630 | €43,918 | €27,299 | €27,370 | ▲ 0.3% |
| Operating cash flow (approximation) | €122,370 | €102,300 | €76,837 | ▼ 24.9% |
| Investment in fixed assets (approximation) | - | -€187,942 | €150,000 | ▲ 180% |
| Change in cash | - | -€1,189 | -€13,627 | ▼ 1,046% |
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
10-02
State Gazette act
IncorporationAppointments: KUYPS Jan Constantia Leo (director) and KONINGS Arlinda Maria Franciscus (director) · Founder · Founding capital11 facts ▸
- Incorporation, 07-02-2022
- Founder, KUYPS Jan Constantia Leo
- Founder, KONINGS Arlinda Maria Franciscus
- Founding capital, €5.000
- Bank account, Crelan
- Director appointment, KUYPS Jan Constantia Leo (director)
- Director appointment, KONINGS Arlinda Maria Franciscus (director)
- Mandate compensation, KUYPS Jan Constantia Leo
- Mandate compensation, KONINGS Arlinda Maria Franciscus
- Power of attorney, Graef
- Power of attorney, Graef
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662C0015/00R000 | Flanders | 1.4 ha | 1 · 248 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| KONINGS Arlinda Maria Franciscus |
|
| KUYPS Jan Constantia Leo |
|
Articles of association
Full purpose
1) de activiteiten van “management en consultancy” in de meest ruime betekenis... 2) managementassistentie en -ondersteuning... 3) de activiteiten van “marketing”... 4) het optreden als studie-, organisatie-, raadgevend en beherend bureau... 5) het optreden als tussenpersoon in de handel; 6) het aankopen, verkopen... van alle roerende waarden... 7) het verwerven van participaties... 8) het beheren, valoriseren en te gelde maken van deze participaties... 9) het rechtstreeks of onrechtstreeks deelnemen aan het bestuur... 10) het aankopen, ruilen... van alle al dan niet bebouwde onroerende goederen... 11) op om het even welke wijze verwerven... van alle intellectuele rechten... 12) de inrichting en organisatie van alle opleidingen... 13) De activiteiten van wijnbouw en handel in wijn... 14) De activiteiten van catering... 15) De activiteiten van ondersteuning en advies...
Structure & network
Connections & network
2 current directorsThe group is listed under Ownership & control below; here you explore it as a network.
Ownership & control
3 board mandatesCapital and shareholders
- KUYPS Jan Constantia Leo founder
- KONINGS Arlinda Maria Franciscus founder
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 10-02-2022 Incorporation · 5,000 EUR · 50 shares
Similar companies · same sector, comparable size
Identification & contact
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.