JSJ
InactiveOverview
Activity
“Het vertegenwoordigen, hetzij als zelfstandig agent, hetzij voor rekening van één of meer financiële…” (deed in Dutch)
From the articles, 3 activitiesNo NACE code in the KBO yet
Size
≈ €82,000turnover 2025, estimated
- Equity
- €48,192
- Profit
- €7,689
Turnover estimated from the gross margin
Financial health
Inactive: no score
Structure
Auditor: Moore Audit
SignalsneutralLatest accounts filed on timeShow the evidence
Signals
1 signal.
neutral
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 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 days early
2024
24 days late
2023
29 days late
2022
29 days late
2021
18 days early
2020
17 days late
2019
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 3 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
- End & cessationAppointment: Moore Audit BV (company…
- Annual accounts filedfinancial year 2025 · abbreviated…
- Back to profitnet €7,689
Financials · financial year 2025, abbreviated format
Turnover
≈ €82,000
Estimated: probably between €34,000 and €200,000
Total assets
€51,494▼ 1.8%
2024 · €52,460
Net result
€7,689
2024 · -€2,097
Working capital
€48,192▲ 6.6%
2024 · €45,210
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result returns to profit in 2025: €12,158 after a loss of €1,943 in 2024, the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€12,158
2025
Net result€7,689
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€51,494
2025
Equity€48,192
2025
Debt€3,302
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€48,192
2025
Use the arrow keys on the chart for the figures per year.
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€14,468-€6,825▼ 52.8%€10,448▲ 53.1%€4,023▼ 61.5%€4,432▲ 10.2%€3,209▼ 27.6%-€1,943€12,158
Net result€8,329-€3,534▼ 57.6%€7,466▲ 111%€2,210▼ 70.4%€2,257▲ 2.1%€1,479▼ 34.5%-€2,097€7,689
Equity€35,255-€37,188▲ 5.5%€44,654▲ 20.1%€45,264▲ 1.4%€45,921▲ 1.5%€45,800▼ 0.3%€42,103▼ 8.1%€48,192▲ 14.5%
Total assets€46,728-€43,440▼ 7.0%€50,165▲ 15.5%€52,108▲ 3.9%€51,779▼ 0.6%€50,157▼ 3.1%€52,460▲ 4.6%€51,494▼ 1.8%
Debt€11,474-€6,252▼ 45.5%€5,511▼ 11.8%€6,843▲ 24.2%€5,858▼ 14.4%€4,357▼ 25.6%€10,357▲ 138%€3,302▼ 68.1%
Working capital€36,808-€36,555▼ 0.7%€45,114▲ 23.4%€46,818▲ 3.8%€47,474▲ 1.4%€47,353▼ 0.3%€45,210▼ 4.5%€48,192▲ 6.6%
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €51,494
Equity
€48,192 ▲ 14.5%
Debt
€3,302 ▼ 68.1%
Debt's share of the balance-sheet total falls from 19.7% to 6.4%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
15.60▲
2024 · 7.24
Debt to equity
0.07▼
2024 · 0.25
ROE
16.0%▲
2024 · -5.0%
ROA
14.9%▲
2024 · -4.0%
Debt ≤ 1 year
€3,302▼
2024 · €7,250
Income taxes
€4,397▲
2024 · €90
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €454 | €1,093 | €1,093 | €1,093 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €62 | €62 | €62 | €62 | €62 | = |
| Gross operating margin9900 | €14,984 | €7,980 | €11,603 | €5,179 | €4,494 | €3,271 | -€1,881 | €12,220 | - |
| Operating profit (loss)9901 | €14,468 | €6,825 | €10,448 | €4,023 | €4,432 | €3,209 | -€1,943 | €12,158 | - |
| Financial income75/76B | - | - | - | - | €3 | €1 | €3 | €1 | ▼ 73.6% |
| Recurring financial income75 | €1 | - | €5 | - | €3 | €1 | €3 | €1 | ▼ 73.6% |
| Financial charges65/66B | - | - | - | €40 | €52 | €55 | €67 | €72 | ▲ 7.4% |
| Recurring financial charges65 | €0 | - | €0 | €40 | €52 | €55 | €67 | €72 | ▲ 7.4% |
| Profit (loss) for the period before taxes9903 | €14,468 | €6,825 | €10,453 | €3,984 | €4,383 | €3,155 | -€2,007 | €12,086 | - |
| Income taxes67/77 | €6,139 | €3,291 | €2,986 | €1,773 | €2,126 | €1,677 | €90 | €4,397 | ▲ 49× |
| Profit (loss) for the period9904 | €8,329 | €3,534 | €7,466 | €2,210 | €2,257 | €1,479 | -€2,097 | €7,689 | - |
| Profit (loss) for the period to be appropriated9905 | €8,329 | €3,534 | €7,466 | €2,210 | €2,257 | €1,479 | -€2,097 | €7,689 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €46,728 | €43,440 | €50,165 | €52,108 | €51,779 | €50,157 | €52,460 | €51,494 | ▼ 1.8% |
| Fixed assets21/28 | - | €2,187 | €1,093 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | - | €2,187 | €1,093 | - | - | - | - | - | - |
| Current assets29/58 | €46,728 | €41,253 | €49,072 | €52,108 | €51,779 | €50,157 | €52,460 | €51,494 | ▼ 1.8% |
| Amounts receivable within one year40/41 | €109 | €209 | - | €227 | - | €327 | €2,233 | €1,910 | ▼ 14.5% |
| Trade receivables40 | - | - | - | - | - | €4 | - | - | - |
| Other amounts receivable41 | - | - | - | €227 | - | €323 | €2,233 | €1,910 | ▼ 14.5% |
| Cash at bank and in hand54/58 | €44,155 | €38,937 | €47,904 | €49,993 | €49,525 | €49,093 | €47,796 | €49,584 | ▲ 3.7% |
| Deferred charges and accrued income490/1 | - | - | - | €1,888 | €2,254 | €736 | €2,431 | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €46,728 | €43,440 | €50,165 | €52,108 | €51,779 | €50,157 | €52,460 | €51,494 | ▼ 1.8% |
| Equity10/15 | €35,255 | €37,188 | €44,654 | €45,264 | €45,921 | €45,800 | €42,103 | €48,192 | ▲ 14.5% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €10,189 | €13,722 | €21,189 | €23,399 | €25,655 | €27,134 | €27,134 | €34,823 | ▲ 28.3% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €21,539 | €23,795 | €25,274 | €25,274 | €32,963 | ▲ 30.4% |
| Profit (loss) carried forward14 | €18,866 | €17,266 | €17,266 | €15,666 | €14,066 | €12,466 | €8,769 | €7,169 | ▼ 18.2% |
| Amounts payable17/49 | €11,474 | €6,252 | €5,511 | €6,843 | €5,858 | €4,357 | €10,357 | €3,302 | ▼ 68.1% |
| Amounts payable within one year42/48 | €9,920 | €4,699 | €3,958 | €5,290 | €4,305 | €2,804 | €7,250 | €3,302 | ▼ 54.5% |
| Trade debts44 | €3,082 | €3,279 | €1,552 | €2,884 | €2,739 | €1,238 | €4,411 | €865 | ▼ 80.4% |
| Suppliers440/4 | - | - | - | €2,884 | €2,739 | €1,238 | €4,411 | €865 | ▼ 80.4% |
| Taxes, remuneration and social security45 | - | - | - | €2,386 | €1,526 | €1,526 | €2,800 | €2,397 | ▼ 14.4% |
| Taxes450/3 | - | - | - | €986 | €126 | €126 | - | €2,397 | - |
| Remuneration and social security454/9 | - | - | - | €1,400 | €1,400 | €1,400 | €2,800 | - | - |
| Other amounts payable47/48 | - | - | - | €19 | €39 | €39 | €39 | €39 | = |
| Accrued charges and deferred income492/3 | - | - | - | €1,553 | €1,553 | €1,553 | €3,107 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,329 | €3,534 | €7,466 | €2,210 | €2,257 | €1,479 | -€2,097 | €7,689 | - |
| + Depreciation and write-downs630 | €454 | €1,093 | €1,093 | €1,093 | - | - | - | - | - |
| Operating cash flow (approximation) | €8,783 | €4,627 | €8,560 | €3,304 | €2,257 | €1,479 | -€2,097 | €7,689 | - |
| Investment in fixed assets (approximation) | - | - | €0 | - | - | - | - | - | - |
| Change in cash | - | -€5,218 | €8,967 | €2,089 | -€469 | -€431 | -€1,298 | €1,788 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 08-05-2026 | 2026-00113104 |
| 31-12-2024 | abbreviated format | 24-08-2025 | 2025-00402728 |
| 31-12-2023 | abbreviated format | 29-08-2024 | 2024-00429920 |
| 31-12-2022 | abbreviated format | 29-08-2023 | 2023-00424888 |
| 31-12-2021 | abbreviated format | 13-07-2022 | 2022-20196742 |
| 31-12-2020 | abbreviated format | 17-08-2021 | 2021-49500589 |
| 31-12-2019 | abbreviated format | 25-08-2020 | 2020-45200051 |
| 31-12-2018 | abbreviated format | 02-07-2019 | 2019-27400600 |
| 31-12-2017 | abbreviated format | 03-07-2018 | 2018-29900392 |
| 31-12-2016 | abbreviated format | 04-07-2017 | 2017-28700315 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
no sitting director, no change since 2026
Statutory auditor 1
Moore Audit
CurrentCompany auditor · since 08-07-2026 · permanent representative: Liesbet Vandenabeele
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
2 people since 2024, 1 in office
- Board
- Statutory auditor
- began earlier
| Name | Functions and periods |
|---|---|
| Moore Audit |
|
| SMEETS Sonja Michel Elisa |
|
Owners and capital
Capital and shareholders
Capital over the years
- 19-11-2024 Converted to unavailable equity
Group and network
Connections & network
No sitting directors or connected companies in the 2 Gazette acts read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
08-07
Gazette deed
End & cessationAppointment: Moore Audit BV (company auditor) · Resignation: SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder) · Approval25 facts ▸
Gazette deed
End & cessation
Appointment: Moore Audit BV (company auditor) · Resignation: SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder) · Approval25 facts ▸
- General meeting, 11-06-2026
- Approval, “jaarrekrekening, eenparigheid van stemmen” (deed in Dutch)
- Director discharge, SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder)
- Dissolution, “voorstel tot ontbinding, bestuursorgaan” (deed in Dutch)
- Net-asset statement, 06-05-2026
- Auditor appointment, Moore Audit BV (company auditor)
- Auditor report, “in België van toepassing zijnde normatief kader, discontinuiteit” (deed in Dutch)
- Other provision, “controle staat van activa en passiva ontslaat verantwoordelijken niet” (deed in Dutch)
- Auditor report, “staat van activa en passiva zonder afwijking van materieel belang door fraude of fouten, verantwoordelijkheden bedrijfsrevisor” (deed in Dutch)
- Auditor report, “vennoten of aandeelhouders of derden zoals vermeld in staat van activa en passiva” (deed in Dutch)
- Other provision, “beperking gebruik verslag, artikel 2:71 §2 derde lid en artikel 2:80 eerste lid 2°” (deed in Dutch)
- Auditor report, 05-06-2026
- +13 further facts in this act
08-05
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2025
31-12
Financial
Back to profitnet €7,689
Net result €7,689 after one loss-making year.
31-12
Financial
Liquidity more than doubledcurrent ratio 15.60
Current ratio from 7.24 to 15.60; short-term debt falls from €7,250 to €3,302.
24-08
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format · 24 days late
2024
31-12
Financial
Weakest financial yearnet -€2,097
Net result drops to -€2,097, the lowest in the series.
19-11
Gazette deed
Resignation: SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder)Reappointment: SMEETS Sonja Michel Elisa (director) · Amendment of the articles · Capital conversion13 facts ▸
Gazette deed
Resignation: SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder)
Reappointment: SMEETS Sonja Michel Elisa (director) · Amendment of the articles · Capital conversion13 facts ▸
- General meeting, 26-10-2024
- Amendment of the articles (2 times)
- Other provision, “vaststelling geen schade door niet-aanpassing statuten, geen schade geleden” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “opheffing statutair onbeschikbare eigen vermogensrekening aangelegd bij toepassing van artikel 39, §2, derde lid van de wet van 23-03-2019, middelen beschikb…” (deed in Dutch)
- Other provision, “vaststelling tijdstip gewone algemene vergadering en verkeerde publicatie”, 14-01-2009 (deed in Dutch)
- Correction, “eventuele spellingsfouten in het voorwerp” (deed in Dutch)
- Other provision, “tekst nieuwe statuten, tekst luidt als volgt” (deed in Dutch)
- Capital contribution
- Director resignation, SMEETS Sonja Michel Elisa (enige niet statutaire bestuurder)
- Director reappointment, SMEETS Sonja Michel Elisa (director (not named in the articles))
- Registered office clause, “3680 Maaseik,Waterlozeweg 102” (deed in Dutch)
- +1 further fact in this act
29-08
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format · 29 days late
2023
29-08
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format · 29 days late
2022
13-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
17-08
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format · 17 days late
2020
25-08
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format · 25 days late
Show earlier events
2019
02-07
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format
2018
03-07
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format
2017
04-07
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 17 annual accounts filed, the latest 10 are here; all 17 are under Financials.
2 of 2 deeds read
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Maaseik
Ground area
2,161 m²
Building footprint
171 m²
Building volume
938 m³
Parcel 72024D0995/00F000, Flanders · tallest building 8.0 m. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72024D0995/00F000 | Flanders | 2,160 m² | 1 · 171 m² | 8.0 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het vertegenwoordigen, hetzij als zelfstandig agent, hetzij voor rekening van één of meer financiële instellingen zoals banken en…” (deed in Dutch)
3 activities (deed in Dutch)
- Het vertegenwoordigen, hetzij als zelfstandig agent, hetzij voor rekening van één of meer financiële instellingen zoals banken en spaarkassen, voor alle krediet-, spaar-, beleggingsinstellingen en in het algemeen alle denkbare financiële verrichtingen, overeenkomstig de wettelijke bepalingen terzake;
- Het uitoefenen van de diensten van verzekeringsmakelaar of -agent, zijnde aan het publiek diensten aanbieden met het oog op het afsluiten van alle denkbare verzekeringen (zoals auto-, familiale-, brand-, ziekte-, reis- en groepsverzekeringen, zonder dat deze lijst beperkend is) en vervolgens de te waarborgen risico's inbrengen bij de verzekeringsondernemingen, overeenkomstig de wettelijke bepalingen terzake;
- Alle bewerkingen van makelarij en commissie in onroerende goederen en al wat met deze activiteiten rechtstreeks of onrechtstreeks verband houdt. Deze opsomming is verklarend en niet beperkend en moet verstaan worden in de ruimst mogelijke zin.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- JSJ
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen, al dan niet aandeelhouder, een of meer bestuurders” (deed in Dutch)“Alle handelingen nodig of nuttig voor verwezenlijking voorwerp, behalve handelingen die wet of statuten aan algemene vergadering…” (deed in Dutch)
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- “Elke mandataris” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Thursday of June at 19:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “In vormen vereist voor statutenwijziging, op elk moment door beslissing algemene vergadering” (deed in Dutch)deed of 19-11-2024
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Ontbinding en vereffening in één akte, artikel 2:80” (deed in Dutch)deed of 08-07-2026