J3@work

Active

Private limited company (pre-2019)founded 200520 yrs activeHofse Velden 11, 2970 Schilde, BelgiumKBO/BCE: BE 0876.278.697

Summary

J3@work has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€658,568) and a net result of €14,811. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2020 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysis Watch Report Compare

J3@workActiveChecked score 55/100

Risk analysis Report Compare

Checked score

Score 2025

55 / 100

Fair

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability77▼-13

Solvency0=

Growth58=

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity ample (current ratio 1.63 against 1.41 in 2024; short-term debt: 51% and cash: 5.8% of total assets), but equity is negative.

Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 71

Relative position

BE, all sectors

reference

Architectural and engineering activities; technical testing and analysis (NACE 71)

about 56% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

-291.6%

Return on assets

6.6%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2020 sector peers (2025).

NBB · sector comparison

Position among 2020 sector peers

Solvency

better than 5%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 10 filings

Deviation from the deadline

2025

14 d late

2024

21 d late

2023

13 d late

2022

28 d late

2021

31 d late

2020

90 d late

2019

75 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 39 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

26-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

On 27 September 2005, J3@work was incorporated.¹ Total assets went from EUR 3 million in 2018 to EUR 225,835 in 2025.²

Go further with this company

How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity

-€658,568▲ 2.2%

2024 · -€673,379

Total assets

€225,835▲ 19.0%

2024 · €189,789

Net result

€14,811▼ 53.7%

2024 · €32,009

Working capital

€72,692▲ 88.3%

2024 · €38,601

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result€25,539▲ 107%-€4,013€16,343€51,947▲ 218%€31,164▼ 40.0%

Net result-€828,460▲ 58.6%-€7,544▲ 99.1%€1,442€32,009▲ 2,119%€14,811▼ 53.7%

Equity-€699,286-€706,829▼ 1.1%-€705,387▲ 0.2%-€673,379▲ 4.5%-€658,568▲ 2.2%

Total assets€177,956▼ 83.0%€230,503▲ 29.5%€182,035▼ 21.0%€189,789▲ 4.3%€225,835▲ 19.0%

Debt€873,662▼ 4.6%€933,753▲ 6.9%€883,842▼ 5.3%€859,587▼ 2.7%€880,823▲ 2.5%

Working capital€136,441▼ 5.5%-€67,773€5,994€38,601▲ 544%€72,692▲ 88.3%

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 falls in 2025; 2025 is 40% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €225,835

16.8%

83.2%

Fixed assets €37,914 ▼ 33.2%

Current assets €187,921 ▲ 41.3%

Key figures and ratios

2025 value · change against 2024

EBITDA

€50,013▼

2024 · €70,796

Cash flow

€33,660▼

2024 · €50,858

Solvency

-291.6%▲

2024 · -354.8%

Current ratio

1.63▲

2024 · 1.41

Debt to equity

-1.34▼

2024 · -1.28

ROA

6.6%▼

2024 · 16.9%

Interest coverage

12.79▲

2024 · 9.70

Debt ≤ 1 year

€115,228▲

2024 · €94,424

Debt > 1 year

€765,164=

2024 · €765,164

Income taxes

€12,442▼

2024 · €12,639

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines

Balance sheet Code20242025

Assets

Total assets20/58€189,789€225,835▲

Fixed assets21/28€56,764€37,914▼

Tangible fixed assets22/27€56,764€37,914▼

Plant, machinery and equipment23€1,472€1,070▼

Furniture and vehicles24€55,292€36,845▼

Current assets29/58€133,025€187,921▲

Amounts receivable within one year40/41€110,524€169,909▲

Trade receivables40€55,426€70,931▲

Other amounts receivable41€55,098€98,978▲

Cash at bank and in hand54/58€17,617€13,090▼

Deferred charges and accrued income490/1€4,884€4,921▲

Equity and liabilities

Total equity and liabilities10/49€189,789€225,835▲

Equity10/15-€673,379-€658,568▲

Contributions10/11€2.0m€2.0m=

Capital10€2.0m€2.0m=

Issued capital100€2.0m€2.0m=

Reserves13€19,000€19,000=

Non-distributable reserves130/1€19,000€19,000=

Legal reserve130€19,000€19,000=

Profit (loss) carried forward14-€2.7m-€2.7m▲

Provisions and deferred taxes16€3,580€3,580=

Provisions for liabilities and charges160/5€3,580€3,580=

Pensions and similar obligations160€3,580€3,580=

Amounts payable17/49€859,587€880,823▲

Amounts payable after more than one year17€765,164€765,164=

Financial debts170/4€765,164€765,164=

Amounts payable within one year42/48€94,424€115,228▲

Current portion of amounts payable after more than one year42€18,000€3,000▼

Trade debts44-€12,066

Suppliers440/4-€12,066

Taxes, remuneration and social security45€35,612€38,162▲

Taxes450/3€29,772€31,676▲

Remuneration and social security454/9€5,841€6,486▲

Other amounts payable47/48€40,811€62,000▲

Accrued charges and deferred income492/3-€431

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18,849€18,849=

Other operating charges640/8€868€1,887▲

Gross operating margin9900€71,664€51,900▼

Operating profit (loss)9901€51,947€31,164▼

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€7,299€3,911▼

Recurring financial charges65€7,299€3,911▼

Profit (loss) for the period before taxes9903€44,648€27,253▼

Income taxes67/77€12,639€12,442▼

Profit (loss) for the period9904€32,009€14,811▼

Profit (loss) for the period to be appropriated9905€32,009€14,811▼

Appropriation of the result

Profit (loss) to be appropriated9906-€2.7m-€2.7m▲

Profit (loss) brought forward from the previous period14P-€2.7m-€2.7m▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Non-recurring operating income76A	-	-	€15,939	-	-	-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€192	€242	€18,583	€18,849	€18,849	=
Other operating charges640/8	€571	€2,327	€2,759	€868	€1,887	▲ 117%
Gross operating margin9900	€26,302	-€1,443	€37,686	€71,664	€51,900	▼ 27.6%
Operating profit (loss)9901	€25,539	-€4,013	€16,343	€51,947	€31,164	▼ 40.0%
Financial income75/76B	-	-	€0	-	€0	-
Recurring financial income75	-	-	€0	-	€0	-
Financial charges65/66B	€850,521	€3,531	€1,735	€7,299	€3,911	▼ 46.4%
Recurring financial charges65	€522	€3,531	€1,735	€7,299	€3,911	▼ 46.4%
Non-recurring financial charges66B	€849,999	-	-	-	-	-
Profit (loss) for the period before taxes9903	-€824,982	-€7,544	€14,609	€44,648	€27,253	▼ 39.0%
Income taxes67/77	€3,479	-	€13,166	€12,639	€12,442	▼ 1.6%
Profit (loss) for the period9904	-€828,460	-€7,544	€1,442	€32,009	€14,811	▼ 53.7%
Profit (loss) for the period to be appropriated9905	-€828,460	-€7,544	€1,442	€32,009	€14,811	▼ 53.7%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€177,956	€230,503	€182,035	€189,789	€225,835	▲ 19.0%
Fixed assets21/28	€1,152	€92,187	€75,613	€56,764	€37,914	▼ 33.2%
Tangible fixed assets22/27	€1,152	€92,187	€75,613	€56,764	€37,914	▼ 33.2%
Plant, machinery and equipment23	-	-	€1,874	€1,472	€1,070	▼ 27.3%
Furniture and vehicles24	€1,152	€92,187	€73,739	€55,292	€36,845	▼ 33.4%
Current assets29/58	€176,804	€138,317	€106,422	€133,025	€187,921	▲ 41.3%
Amounts receivable within one year40/41	€162,102	€120,084	€96,807	€110,524	€169,909	▲ 53.7%
Trade receivables40	€69,652	€61,723	€66,579	€55,426	€70,931	▲ 28.0%
Other amounts receivable41	€92,449	€58,361	€30,229	€55,098	€98,978	▲ 79.6%
Cash at bank and in hand54/58	€14,702	€17,252	€9,056	€17,617	€13,090	▼ 25.7%
Deferred charges and accrued income490/1	-	€981	€559	€4,884	€4,921	▲ 0.8%
Equity and liabilities
Total equity and liabilities10/49	€177,956	€230,503	€182,035	€189,789	€225,835	▲ 19.0%
Equity10/15	-€699,286	-€706,829	-€705,387	-€673,379	-€658,568	▲ 2.2%
Contributions10/11	€2.0m	€2.0m	€2.0m	€2.0m	€2.0m	=
Capital10	€2.0m	€2.0m	€2.0m	€2.0m	€2.0m	=
Issued capital100	€2.0m	€2.0m	€2.0m	€2.0m	€2.0m	=
Reserves13	€19,000	€19,000	€19,000	€19,000	€19,000	=
Non-distributable reserves130/1	€19,000	€19,000	€19,000	€19,000	€19,000	=
Legal reserve130	€19,000	€19,000	€19,000	€19,000	€19,000	=
Profit (loss) carried forward14	-€2.7m	-€2.7m	-€2.7m	-€2.7m	-€2.7m	▲ 0.6%
Provisions and deferred taxes16	€3,580	€3,580	€3,580	€3,580	€3,580	=
Provisions for liabilities and charges160/5	€3,580	€3,580	€3,580	€3,580	€3,580	=
Pensions and similar obligations160	-	-	€3,580	€3,580	€3,580	=
Other liabilities and charges164/5	€3,580	€3,580	-	-	-	-
Amounts payable17/49	€873,662	€933,753	€883,842	€859,587	€880,823	▲ 2.5%
Amounts payable after more than one year17	€833,263	€727,664	€783,164	€765,164	€765,164	=
Financial debts170/4	€833,263	€727,664	€783,164	€765,164	€765,164	=
Amounts payable within one year42/48	€40,363	€206,089	€100,428	€94,424	€115,228	▲ 22.0%
Current portion of amounts payable after more than one year42	€8,067	€1,532	€18,000	€18,000	€3,000	▼ 83.3%
Trade debts44	-	€69,541	€7,865	-	€12,066	-
Suppliers440/4	-	€69,541	€7,865	-	€12,066	-
Taxes, remuneration and social security45	€12,690	€15,016	€25,326	€35,612	€38,162	▲ 7.2%
Taxes450/3	€12,690	€9,176	€19,485	€29,772	€31,676	▲ 6.4%
Remuneration and social security454/9	-	€5,841	€5,841	€5,841	€6,486	▲ 11.1%
Other amounts payable47/48	€19,607	€120,000	€49,237	€40,811	€62,000	▲ 51.9%
Accrued charges and deferred income492/3	€36	-	€251	-	€431	-

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	-€828,460	-€7,544	€1,442	€32,009	€14,811	▼ 53.7%
+ Depreciation and write-downs630	€192	€242	€18,583	€18,849	€18,849	=
Operating cash flow (approximation)	-€828,268	-€7,302	€20,026	€50,858	€33,660	▼ 33.8%
Investment in fixed assets (approximation)	-	-€91,277	-€2,010	€0	€0	-
Change in cash	-	€2,550	-€8,196	€8,562	-€4,527	▼ 153%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 14 days late

2025

21-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 21 days late

2024

31-12

Financial Highest result since 2018net €32,009 ▲2,119%

Operating result €51,947, net result €32,009, both a record.

13-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 13 days late

2023

31-12

Financial Back to profitnet €1,442

Net result €1,442 after 3 loss-making years.

28-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 28 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 days late

2020

31-12

Financial Weakest financial yearnet -€2.0m

Net result drops to -€2.0m, the lowest in the series; recovery starts the following year.

14-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 75 days late

2019

31-12

Financial Back to profitnet €3,557

Net result €3,557 after one loss-making year.

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

29-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 29 days late

09-05

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 282 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Schilde

exact location from the address register On OpenStreetMap

Ground area

2,219 m²

Building footprint

254 m²

Volume, LiDAR

1,714 m³

Parcel 11041B0117/00D000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11041B0117/00D000	Flanders	2,219 m²	1 · 254 m²	11.4 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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Of 2,147 companies in sector 71209 we hold annual accounts for 1,087. 824 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 (pre-2019)

Founded27-09-2005

Fiscal year end31-12

Activities, NACEBEL 2025

71209Other technical testing and analysis

46190Agents in non-specialised wholesale trade

Scores and ratios are computed by Checked and are not a credit decision.