J3
ActiveSummary
J3 has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €20k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 30 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-1
Solvency71▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.07 in 2024; short-term debt: 35.6% and cash: 2.8% of total assets), and 53.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 39
Relative position
BE, all sectors
reference
Sector 39
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.4%
Return on assets
4.6%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
132 d early
2023
138 d early
2022
123 d early
2021
53 d early
2020
40 d early
2019
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€203k▲ 10.6%
2024 · €183k
2018: €9k
2019: €11k
2020: €43k
2021: €50k
2022: €110k
2023: €159k
2024: €183k
2018 → 2025
Total assets
€438k▼ 2.3%
2024 · €448k
2018: €302k
2019: €267k
2020: €274k
2021: €246k
2022: €260k
2023: €364k
2024: €448k
2018 → 2025
Net result
€20k▼ 19.4%
2024 · €25k
2018: €6k
2019: €2k
2020: €32k
2021: €7k
2022: €60k
2023: €50k
2024: €25k
2018 → 2025
Working capital
€60k▲ 225%
2024 · €19k
2018: €-85k
2019: €-49k
2020: €-9k
2021: €-16k
2022: €70k
2023: €31k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€110k▲ 120%€159k▲ 44.3%€183k▲ 15.3%€203k▲ 10.6%
Operating result€9k-€59k▲ 559%€78k▲ 32.4%€45k▼ 42.0%€42k▼ 6.8%
Net result€7k-€60k▲ 747%€50k▼ 17.5%€25k▼ 49.2%€20k▼ 19.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €438k
Fixed assets
€222k ▲ 34.6%
Current assets
€216k ▼ 23.7%
Equity and liabilities €438k
Equity
€203k ▲ 10.6%
Debt
€235k ▼ 11.2%
Debt's share of the balance-sheet total falls from 59.0% to 53.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€111k▲
2024 · €92k
Cash flow
€89k▲
2024 · €72k
Current ratio
1.39▲
2024 · 1.07
Debt to equity
1.16▼
2024 · 1.44
ROE
10.0%▼
2024 · 13.8%
ROA
4.6%▼
2024 · 5.6%
Interest coverage
14.08▼
2024 · 18.85
Debt ≤ 1 year
€156k▼
2024 · €264k
Debt > 1 year
€79k
Income taxes
€14k▼
2024 · €17k
Staff costs
€249k▲
2024 · €234k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€448k€438k▼
Fixed assets21/28€165k€222k▲
Tangible fixed assets22/27€165k€222k▲
Plant, machinery and equipment23€64k€54k▼
Furniture and vehicles24€100k€101k▲
Leasing and similar rights25-€67k
Financial fixed assets28€270€270=
Current assets29/58€283k€216k▼
Amounts receivable within one year40/41€249k€188k▼
Trade receivables40€244k€179k▼
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€20k€12k▼
Deferred charges and accrued income490/1€15k€16k▲
Equity and liabilities
Total equity and liabilities10/49€448k€438k▼
Equity10/15€183k€203k▲
Contributions10/11€109k€109k=
Reserves13€75k€94k▲
Distributable reserves133€75k€94k▲
Amounts payable17/49€264k€235k▼
Amounts payable after more than one year17-€79k
Financial debts170/4-€79k
Amounts payable within one year42/48€264k€156k▼
Current portion of amounts payable after more than one year42€26k€29k▲
Financial debts43€25k€15k▼
Credit institutions430/8€25k€15k▼
Trade debts44€145k€47k▼
Suppliers440/4€145k€47k▼
Taxes, remuneration and social security45€30k€42k▲
Taxes450/3€9k€20k▲
Remuneration and social security454/9€21k€22k▲
Other amounts payable47/48€38k€23k▼
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€234k€249k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€68k▲
Other operating charges640/8€4k€8k▲
Gross operating margin9900€331k€368k▲
Operating profit (loss)9901€45k€42k▼
Financial income75/76B€2k€4▼
Recurring financial income75€2k€4▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€42k€34k▼
Income taxes67/77€17k€14k▼
Profit (loss) for the period9904€25k€20k▼
Profit (loss) for the period to be appropriated9905€25k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€20k▼
Profit (loss) brought forward from the previous period14P€820-
Transfer to equity691/2€25k€20k▼
To other reserves6921€25k€20k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €203k ▲10.6%
8 profitable years in a row build equity to €203k.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €159k ▲44.3%
6 profitable years in a row build equity to €159k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €60k ▲747%
Net result €60k, the highest in the series.
31-12
Financial
Equity above €100kEq €110k ▲120%
5 profitable years in a row build equity to €110k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼56%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
Show earlier events
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kasterlee · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Geelsebaan 612460 KasterleeGround area
1,757 m²
Building footprint
559 m²
Parcel 13017G0342/00X000, Flanders. Linked by address, not a title deed.
1 establishment unit
Budgetcontainers
since 20122.215.304.311
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0342/00X000 | Flanders | 1,757 m² | 1 · 559 m² | - |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 302 EUR awarded · 302 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 167 EUR | 167 EUR |
| 2024 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 252 companies in sector 39000 we hold annual accounts for 133. 90 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
38110Waste collection, recovery and disposal activities
39000Remediation activities and other waste management service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.