Summary
J2SH is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €3.5m and a net result of €238,074. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 44% of 2817 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €3.5m
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 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
35 d early
2022
54 d early
2021
53 d early
2020
52 d early
2019
11 d early
← 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 39 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 (1)
History
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Financials · fiscal year 2024, full schema
In the rankings
#7 company by total assets in Lommel, Finance and insurance sector#8 company by equity in Lommel, Finance and insurance sector
Equity
€3.5m▲ 5.4%
2023 · €3.4m
Net result
€238,074▼ 23.6%
2023 · €311,631
Total assets
€7.0m▲ 9.3%
2023 · €6.4m
Solvency
50.2%▼ 1.9pp
2023 · 52.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€1.7m▼ 15.3%€1.9m▲ 13.8%€2.0m▲ 4.3%€2.9m▲ 48.9%€3.6m▲ 23.5%
Operating result-€74,135-€18,635▲ 74.9%-€207,159▼ 1,012%€366,758€348,476▼ 5.0%
Net result-€94,548below the sector's middle half-€45,166below the sector's middle half▲ 52.2%-€231,834below the sector's middle half▼ 413%€311,631within the sector's middle half€238,074within the sector's middle half▼ 23.6%
Equity€3.5mwithin the sector's middle half▲ 4.1%€3.4mwithin the sector's middle half▼ 2.8%€3.1mwithin the sector's middle half▼ 8.3%€3.4mwithin the sector's middle half▲ 8.0%€3.5mwithin the sector's middle half▲ 5.4%
Total assets€6.5mwithin the sector's middle half▲ 1.5%€6.7mwithin the sector's middle half▲ 3.1%€6.5mwithin the sector's middle half▼ 3.3%€6.4mwithin the sector's middle half▼ 0.6%€7.0mwithin the sector's middle half▲ 9.3%
Debt€3.0m▼ 1.4%€3.3m▲ 9.9%€3.4m▲ 1.8%€3.1m▼ 8.5%€3.5m▲ 13.5%
Working capital€490,141within the sector's middle half▲ 20.8%€205,807within the sector's middle half▼ 58.0%-€54,914within the sector's middle half€228,888within the sector's middle half€253,487within the sector's middle half▲ 10.7%
Solvency53.5%within the sector's middle half▲ 1.3pp50.5%within the sector's middle half▼ 3.1pp47.9%within the sector's middle half▼ 2.6pp52.0%within the sector's middle half▲ 4.1pp50.2%within the sector's middle half▼ 1.9pp
Current ratio1.71within the sector's middle half▲ 0.191.25within the sector's middle half▼ 0.460.94within the sector's middle half▼ 0.301.32within the sector's middle half▲ 0.381.37within the sector's middle half▲ 0.05
Return on assets (ROA)-1.5%below the sector's middle half▼ 3.7pp-0.7%below the sector's middle half▲ 0.8pp-3.6%below the sector's middle half▼ 2.9pp4.8%within the sector's middle half▲ 8.4pp3.4%within the sector's middle half▼ 1.5pp
Staff (FTE)6.9within the sector's middle half=5.4within the sector's middle half▼ 21.7%4.9within the sector's middle half▼ 9.3%5.4within the sector's middle half▲ 10.2%6.7within the sector's middle half▲ 24.1%
above
within
below
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.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7.0m
Fixed assets
€6.1m ▲ 10.9%
Current assets
€946,659 ▲ 0.3%
Equity and liabilities €7.0m
Equity
€3.5m ▲ 5.4%
Debt
€3.5m ▲ 13.5%
Debt's share of the balance-sheet total rises from 48.0% to 49.8%. Equity and debt are higher.
Key figures and ratios
ROE
6.7%▼
2023 · 9.3%
Debt ≤ 1 year
€693,172▼
2023 · €714,882
Debt > 1 year
€2.6m▲
2023 · €2.3m
Income taxes
€9,578▲
2023 · €823
Staff costs
€439,026▲
2023 · €383,602
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €2.1m | €2.0m | €3.0m | €3.8m | ▲ 24.9% |
| Turnover70 | €1.7m | €1.9m | €2.0m | €2.9m | €3.6m | ▲ 23.5% |
| Own construction capitalised72 | - | €148,258 | €0 | - | - | - |
| Other operating income74 | - | €21,231 | €10,655 | €14,763 | €132,446 | ▲ 797% |
| Non-recurring operating income76A | - | €0 | €23,531 | €57,018 | €0 | ▼ 100% |
| Operating charges60/66A | - | €2.1m | €2.2m | €2.7m | €3.4m | ▲ 29.0% |
| Services and other goods61 | - | €1.5m | €1.6m | €2.0m | €2.6m | ▲ 31.5% |
| Remuneration, social security and pensions62 | - | €364,777 | €329,039 | €383,602 | €439,026 | ▲ 14.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €163,173 | €237,229 | €311,361 | €313,959 | €337,132 | ▲ 7.4% |
| Other operating charges640/8 | - | €1,596 | €2,819 | €4,339 | €81,083 | ▲ 1,769% |
| Operating profit (loss)9901 | -€74,135 | -€18,635 | -€207,159 | €366,758 | €348,476 | ▼ 5.0% |
| Financial income75/76B | - | €61,460 | €59,051 | €77,150 | €78,728 | ▲ 2.0% |
| Recurring financial income75 | €31,404 | €61,460 | €59,051 | €77,150 | €78,728 | ▲ 2.0% |
| Income from current assets751 | - | €10,225 | €9,535 | €14,746 | €22,396 | ▲ 51.9% |
| Other financial income752/9 | - | €51,235 | €49,516 | €62,403 | €56,331 | ▼ 9.7% |
| Financial charges65/66B | - | €87,211 | €82,966 | €131,454 | €179,552 | ▲ 36.6% |
| Recurring financial charges65 | €80,521 | €87,211 | €82,966 | €131,454 | €179,552 | ▲ 36.6% |
| Debt charges650 | €72,828 | €73,474 | €75,961 | €127,587 | €176,060 | ▲ 38.0% |
| Other financial charges652/9 | - | €13,737 | €7,006 | €3,866 | €3,492 | ▼ 9.7% |
| Profit (loss) for the period before taxes9903 | -€123,252 | -€44,386 | -€231,074 | €312,454 | €247,652 | ▼ 20.7% |
| Income taxes67/77 | -€28,705 | €781 | €760 | €823 | €9,578 | ▲ 1,063% |
| Taxes670/3 | - | €781 | €760 | €823 | €9,578 | ▲ 1,063% |
| Tax adjustments and reversals of tax provisions77 | - | €0 | - | - | - | - |
| Profit (loss) for the period9904 | -€94,548 | -€45,166 | -€231,834 | €311,631 | €238,074 | ▼ 23.6% |
| Profit (loss) for the period to be appropriated9905 | -€94,548 | -€45,166 | -€231,834 | €311,631 | €238,074 | ▼ 23.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.5m | €6.7m | €6.5m | €6.4m | €7.0m | ▲ 9.3% |
| Fixed assets21/28 | €5.3m | €5.7m | €5.6m | €5.5m | €6.1m | ▲ 10.9% |
| Intangible fixed assets21 | €565,460 | €906,734 | €846,645 | €745,194 | €921,135 | ▲ 23.6% |
| Tangible fixed assets22/27 | €0 | - | €1,945 | €4,324 | €76,679 | ▲ 1,673% |
| Plant, machinery and equipment23 | - | - | €1,945 | €2,041 | €1,019 | ▼ 50.1% |
| Furniture and vehicles24 | - | - | - | €2,283 | €75,660 | ▲ 3,214% |
| Financial fixed assets28 | €4.7m | €4.7m | €4.7m | €4.7m | €5.1m | ▲ 7.3% |
| Affiliated companies280/1 | - | €4.7m | €4.7m | €4.7m | €5.1m | ▲ 7.3% |
| Participating interests280 | - | €4.7m | €4.7m | €4.7m | €4.7m | = |
| Amounts receivable281 | - | - | - | - | €348,919 | - |
| Current assets29/58 | €1.2m | €1.0m | €882,492 | €943,770 | €946,659 | ▲ 0.3% |
| Amounts receivable after more than one year29 | - | €312,284 | €322,509 | €334,173 | €0 | ▼ 100% |
| Other amounts receivable291 | - | €312,284 | €322,509 | €334,173 | €0 | ▼ 100% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €806,020 | €702,475 | €526,565 | €554,832 | €882,326 | ▲ 59.0% |
| Trade receivables40 | - | €661,654 | €497,639 | €454,059 | €814,908 | ▲ 79.5% |
| Other amounts receivable41 | - | €40,820 | €28,925 | €100,774 | €67,418 | ▼ 33.1% |
| Cash at bank and in hand54/58 | €3,279 | €1,924 | €3,688 | €2,910 | €12,818 | ▲ 341% |
| Deferred charges and accrued income490/1 | - | €28,769 | €29,730 | €51,855 | €51,515 | ▼ 0.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.5m | €6.7m | €6.5m | €6.4m | €7.0m | ▲ 9.3% |
| Equity10/15 | €3.5m | €3.4m | €3.1m | €3.4m | €3.5m | ▲ 5.4% |
| Contributions10/11 | - | €2.8m | €2.8m | €2.8m | €2.8m | = |
| Reserves13 | €443,670 | €398,503 | €166,669 | €478,300 | €716,374 | ▲ 49.8% |
| Non-distributable reserves130/1 | - | €19,839 | €19,839 | €0 | - | - |
| Reserves not available under the articles1311 | - | €19,839 | €19,839 | €0 | - | - |
| Distributable reserves133 | - | €378,664 | €146,830 | €478,300 | €716,374 | ▲ 49.8% |
| Investment grants15 | - | €233,334 | €183,864 | €121,502 | €65,171 | ▼ 46.4% |
| Amounts payable17/49 | €3.0m | €3.3m | €3.4m | €3.1m | €3.5m | ▲ 13.5% |
| Amounts payable after more than one year17 | €2.3m | €2.4m | €2.4m | €2.3m | €2.6m | ▲ 15.9% |
| Financial debts170/4 | - | €304,152 | €204,170 | €102,797 | €0 | ▼ 100% |
| Credit institutions173 | - | €304,152 | €204,170 | €102,797 | €0 | ▼ 100% |
| Other amounts payable178/9 | - | €2.1m | €2.2m | €2.2m | €2.6m | ▲ 21.4% |
| Amounts payable within one year42/48 | €692,618 | €839,644 | €937,405 | €714,882 | €693,172 | ▼ 3.0% |
| Current portion of amounts payable after more than one year42 | - | €168,674 | €99,982 | €101,373 | €102,797 | ▲ 1.4% |
| Financial debts43 | - | €289,047 | €320,176 | €340,224 | €221,697 | ▼ 34.8% |
| Credit institutions430/8 | - | €289,047 | €320,176 | €340,224 | €221,697 | ▼ 34.8% |
| Trade debts44 | €223,150 | €327,860 | €464,755 | €204,044 | €297,774 | ▲ 45.9% |
| Suppliers440/4 | - | €327,860 | €464,755 | €204,044 | €297,774 | ▲ 45.9% |
| Taxes, remuneration and social security45 | - | €54,063 | €52,492 | €69,242 | €70,904 | ▲ 2.4% |
| Taxes450/3 | - | €13,680 | €14,623 | €16,308 | €18,808 | ▲ 15.3% |
| Remuneration and social security454/9 | - | €40,383 | €37,869 | €52,934 | €52,096 | ▼ 1.6% |
| Accrued charges and deferred income492/3 | - | €57,697 | €65,428 | €100,541 | €178,969 | ▲ 78.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€94,548 | -€45,166 | -€231,834 | €311,631 | €238,074 | ▼ 23.6% |
| + Depreciation and write-downs630 | €163,173 | €237,229 | €311,361 | €313,959 | €337,132 | ▲ 7.4% |
| Operating cash flow (approximation) | €68,626 | €192,062 | €79,527 | €625,590 | €575,206 | ▼ 8.1% |
| Investment in fixed assets (approximation) | - | -€578,503 | -€253,218 | -€214,887 | -€934,347 | ▼ 335% |
| Change in cash | - | -€1,355 | €1,765 | -€779 | €9,909 | ▲ 1,372% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €311,631
Net result €311,631 after 3 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€231,834
Net result drops to -€231,834, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Lommel · 1 establishment unit since 2014
Ground area
3,275 m²
Building footprint
618 m²
Volume, LiDAR
3,638 m³
Parcel 72345B1085/00H006, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
J2SH
since 20142.238.177.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1085/00H006 | Flanders | 3,275 m² | 1 · 618 m² | 7.5 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.
Structure & network
Owners and holdings
2 owners · 6 holdingsOwners 2
-
5.45%
- Sourceaccounts DOS 20243.36%
Holdings 6
-
99.99%
-
99.99%
-
99.99%
-
99.93%
-
99.9%
-
99.8%
According to the 2024 annual accounts of J2SH and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,230 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
Founded24-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0507731553
Also
9925:BE0507731553
Registered
28-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.