J2EF
ActiveSummary
J2EF has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €80,907 and a net result of €13,281. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability75▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 12.78 against 10.51 in 2023; short-term debt: 7.8% and cash: 81.9% of total assets), and 7.8% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
35 d early
2022
55 d early
2021
52 d early
2020
25 d late
2018
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 26 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€80,907▲ 19.6%
2023 · €67,626
Total assets
€87,776▲ 17.5%
2023 · €74,734
Net result
€13,281▲ 12.6%
2023 · €11,800
Working capital
€80,907▲ 19.6%
2023 · €67,626
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€32,527€24,648▼ 24.2%€17,241▼ 30.0%€18,465▲ 7.1%
Net result-€61-€31,457€18,085▼ 42.5%€11,800▼ 34.8%€13,281▲ 12.6%
Equity-€25,117-€37,740€55,826▲ 47.9%€67,626▲ 21.1%€80,907▲ 19.6%
Total assets€185-€38,677▲ 20,767%€61,629▲ 59.3%€74,734▲ 21.3%€87,776▲ 17.5%
Debt€25,302-€936▼ 96.3%€5,803▲ 520%€7,108▲ 22.5%€6,869▼ 3.4%
Working capital-€25,117-€36,679€55,424▲ 51.1%€67,626▲ 22.0%€80,907▲ 19.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €87,776
Equity
€80,907 ▲ 19.6%
Debt
€6,869 ▼ 3.4%
Debt's share of the balance-sheet total falls from 9.5% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
12.78▲
2023 · 10.51
Debt to equity
0.08▼
2023 · 0.11
ROE
16.4%▼
2023 · 17.4%
ROA
15.1%▼
2023 · 15.8%
Debt ≤ 1 year
€6,869▼
2023 · €7,108
Income taxes
€6,329▲
2023 · €5,582
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €919 | €660 | €401 | - | - |
| Other operating charges640/8 | - | €1,695 | €571 | €499 | €750 | ▲ 50.3% |
| Gross operating margin9900 | - | €35,141 | €25,878 | €18,142 | €19,215 | ▲ 5.9% |
| Operating profit (loss)9901 | - | €32,527 | €24,648 | €17,241 | €18,465 | ▲ 7.1% |
| Financial income75/76B | - | - | €0 | €176 | €1,185 | ▲ 574% |
| Recurring financial income75 | - | - | €0 | €176 | €1,185 | ▲ 574% |
| Financial charges65/66B | - | €69 | €39 | €35 | €39 | ▲ 11.4% |
| Recurring financial charges65 | €61 | €69 | €39 | €35 | €39 | ▲ 11.4% |
| Profit (loss) for the period before taxes9903 | -€61 | €32,457 | €24,609 | €17,382 | €19,610 | ▲ 12.8% |
| Income taxes67/77 | - | €1,000 | €6,523 | €5,582 | €6,329 | ▲ 13.4% |
| Profit (loss) for the period9904 | -€61 | €31,457 | €18,085 | €11,800 | €13,281 | ▲ 12.6% |
| Profit (loss) for the period to be appropriated9905 | -€61 | €31,457 | €18,085 | €11,800 | €13,281 | ▲ 12.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185 | €38,677 | €61,629 | €74,734 | €87,776 | ▲ 17.5% |
| Fixed assets21/28 | - | €1,061 | €401 | - | - | - |
| Intangible fixed assets21 | - | €1,061 | €401 | - | - | - |
| Current assets29/58 | €185 | €37,616 | €61,228 | €74,734 | €87,776 | ▲ 17.5% |
| Amounts receivable within one year40/41 | €178 | €18,927 | €16,559 | €12,375 | €6,209 | ▼ 49.8% |
| Trade receivables40 | - | €7,927 | €12,151 | €12,375 | €6,209 | ▼ 49.8% |
| Other amounts receivable41 | - | €11,000 | €4,407 | - | - | - |
| Current investments50/53 | - | - | - | €3,000 | €9,000 | ▲ 200% |
| Cash at bank and in hand54/58 | €7 | €18,441 | €44,420 | €59,008 | €71,888 | ▲ 21.8% |
| Deferred charges and accrued income490/1 | - | €248 | €249 | €351 | €679 | ▲ 93.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185 | €38,677 | €61,629 | €74,734 | €87,776 | ▲ 17.5% |
| Equity10/15 | -€25,117 | €37,740 | €55,826 | €67,626 | €80,907 | ▲ 19.6% |
| Contributions10/11 | €18,600 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Outside capital11 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Other1109/19 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €1,860 | €1,860 | €5,826 | €17,626 | €30,907 | ▲ 75.4% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | €3,966 | €15,766 | €29,047 | ▲ 84.2% |
| Profit (loss) carried forward14 | -€45,577 | -€14,120 | - | - | - | - |
| Amounts payable17/49 | €25,302 | €936 | €5,803 | €7,108 | €6,869 | ▼ 3.4% |
| Amounts payable within one year42/48 | €25,302 | €936 | €5,803 | €7,108 | €6,869 | ▼ 3.4% |
| Trade debts44 | - | €45 | €3,811 | €3,905 | €4,341 | ▲ 11.2% |
| Suppliers440/4 | - | €45 | €3,811 | €3,905 | €4,341 | ▲ 11.2% |
| Taxes, remuneration and social security45 | - | €891 | €1,992 | €3,203 | €2,528 | ▼ 21.1% |
| Taxes450/3 | - | €891 | €1,992 | €3,203 | €2,528 | ▼ 21.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€61 | €31,457 | €18,085 | €11,800 | €13,281 | ▲ 12.6% |
| + Depreciation and write-downs630 | - | €919 | €660 | €401 | - | - |
| Operating cash flow (approximation) | -€61 | €32,376 | €18,745 | €12,201 | €13,281 | ▲ 8.9% |
| Investment in fixed assets (approximation) | - | - | €0 | - | - | - |
| Change in cash | - | €18,433 | €25,979 | €14,588 | €12,880 | ▼ 11.7% |
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
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €31,457
Net result €31,457 after one loss-making year.
31-12
Financial
Liquidity times 5484current ratio 40.18
Current ratio from 0.01 to 40.18; short-term debt falls from €25,302 to €936.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 45 days late
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2015
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Oostkamp · 1 establishment unit since 2013
Ground area
860 m²
Building footprint
143 m²
Volume, LiDAR
10 m³
Parcel 31037B0272/00L000, Flanders · tallest building 2.8 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
J2EF
since 20132.219.093.942
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31037B0272/00L000 | Flanders | 860 m² | 1 · 143 m² | 2.8 m |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 150 EUR awarded · 150 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 150 EUR | 150 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,588 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
Founded16-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
jessie@j2ef.beOostkamp
E-invoicing
Reachable via Peppol
Peppol ID
0208:0534572839
Registered
27-03-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.