J2B
ActiveSummary
J2B is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €51k and a net result of €1k. Its solvency ranks better than 52% of 27965 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability70
Solvency74
Growth-
Track record50
Credit verdict
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.91; short-term debt: 50.6% and cash: 85.9% of total assets), but 50.7% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€51k
Total assets
€103k
Net result
€1k
Working capital
€48k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €102k
Fixed assets
€2k
Current assets
€100k
Equity and liabilities €103k
Equity
€51k
Debt
€52k
Debt finances 50.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€1k
Cash flow
€1k
Current ratio
1.91
Debt to equity
1.03
ROE
2.0%
ROA
1.0%
Interest coverage
10.98
Debt ≤ 1 year
€52k
Income taxes
€253
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35 |
| Other operating charges640/8 | €400 |
| Gross operating margin9900 | €2k |
| Operating profit (loss)9901 | €1k |
| Financial charges65/66B | €130 |
| Recurring financial charges65 | €130 |
| Profit (loss) for the period before taxes9903 | €1k |
| Income taxes67/77 | €253 |
| Profit (loss) for the period9904 | €1k |
| Profit (loss) for the period to be appropriated9905 | €1k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €103k | |
| Formation expenses20 | €2k | |
| Fixed assets21/28 | €2k | |
| Tangible fixed assets22/27 | €2k | |
| Plant, machinery and equipment23 | €2k | |
| Current assets29/58 | €100k | |
| Amounts receivable within one year40/41 | €11k | |
| Trade receivables40 | €11k | |
| Cash at bank and in hand54/58 | €89k | |
| Deferred charges and accrued income490/1 | €11 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €103k | |
| Equity10/15 | €51k | |
| Contributions10/11 | €50k | |
| Reserves13 | €1k | |
| Distributable reserves133 | €1k | |
| Amounts payable17/49 | €52k | |
| Amounts payable within one year42/48 | €52k | |
| Trade debts44 | €2k | |
| Suppliers440/4 | €2k | |
| Taxes, remuneration and social security45 | €291 | |
| Taxes450/3 | €291 | |
| Other amounts payable47/48 | €50k | |
| Accrued charges and deferred income492/3 | €88 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €1k |
| + Depreciation and write-downs630 | €35 |
| Operating cash flow (approximation) | €1k |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
0 of 1 act read
About the unread acts
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.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lummen · 1 establishment unit since 2025
Ground area
783 m²
Building footprint
188 m²
Volume, LiDAR
1,013 m³
Parcel 71542B0045/00Z000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steenstraat 7, 3560 Lummen
since 20252.382.554.976
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542B0045/00Z000 | Flanders | 783 m² | 1 · 188 m² | 8.4 m · 2 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.
Similar companies · same sector, comparable size
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LUPEX
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COLOR 7
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Huis Ophoff
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Antwerpen · Eq €51,483
Of 7,299 companies in sector 43350 we hold annual accounts for 2,360. 2,000 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-11-2025
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.