Active BE 0769.943.834Private limited company

N2J INVEST

Rue Raide Vallée(MOH) 132 ·4520 Wanze, Belgium· 5 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

N2J INVEST 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 €122k and a net result of €-26k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 22% of 681 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€122k
Net result	€-26k
Better than sector	22%
Active	5 yrs

Financial profile 4 of 5 axes measured · computed by Checked

47 / 100

Mixed profile: strong on stability, weaker on profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 0

Solvency 42

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health 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.

Financial overview4 NBB filings

Annual accounts filed on 10-07-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~29.2%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	13.6%	44.8%	better than 22% of 681 sector peers
Net result	€-26k	€47k	better than 21% of 680 sector peers
Equity	€122k	€1.35M	better than 23% of 681 sector peers
Gross operating margin	€50k	€42k	better than 53% of 372 sector peers
Total assets	€895k	€5.52M	better than 22% of 681 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€-26k

-4149.8% 21-24

Total assets

€895k

+6.7% 21-24

Equity

€122k

-17.4% 21-24

Income taxes

€8k

+0.5% 21-24

Debt

€773k

+11.9% 21-24

Debt ≤ 1y

€36k

-41.7% 21-24

Debt > 1y

€737k

+17.1% 21-24

Solvency

13.6%

-22.6% 21-24

Show 2 other metrics

ROE

-21.0%

-5043.2% 21-24

ROA

-2.9%

-3881.8% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	n/a
EBITDA	n/a
Net profit	€-26k
Cash flow	n/a
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€895k
Equity	€122k
Debt	€773k
of which ≤ 1y	€36k
of which > 1y	€737k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	13.6%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	-2.9%
ROE	-21.0%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €728k · 81.4% Current assets €167k · 18.6%

Equity & liabilities

Equity €122k · 13.6% Debt €773k · 86.4%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€895k
Fixed assets	21/28	€728k
Tangible fixed assets	22/27	€728k
Current assets	29/58	€167k
Stocks & contracts in progress	3	€2k
Amounts receivable within one year	40/41	€27k
Cash & bank	54/58	€136k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€895k
Equity	10/15	€122k
Contributions / capital	10/11	€129k
Reserves	13	€10k
Accumulated profits (losses)	14	€-17k
Amounts payable	17/49	€773k
Amounts payable after one year	17	€737k
Amounts payable within one year	42/48	€36k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€50k
Operating result	9901	€2k
Financial income	75	€1k
Financial charges	65	€29k
Result before taxes	9903	€-26k
Net result for the period	9904	€-26k
Result to be appropriated	9905	€-26k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	22-06-2021
Status	Active
Postal code	4520

Establishment units 1 location

MANAGEMENT JULIEN JOIRET

Rue Raide Vallée(MOH) 132, 4520 WanzeManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.318.560.415

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61042B0102/00V002	Wallonia	145 m²	-	-

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.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

10-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

18-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

06-11-2023

State Gazette act Capital & shares

Matheo Demaerschalk

18-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

08-05-2023

State Gazette act Capital & shares

2022

16-05-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

Belgian State Gazette reading coverage 0 of 3 acts read

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.

Belgisch Staatsblad, acts 2 acts

Capital history · 2

06-11-2023

Capital change

08-05-2023

Capital change

All acts · 2 updated 2 years ago

2023

06-11-2023 Capital increase of €124,000 Capital & shares·Matheo Demaerschalk

Inbreng in natura · Apport en nature

Notary: Matheo Demaerschalk · Andenne

Original publication ↗

Technical details

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08-05-2023 All shares are now held by a single shareholder Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Vermogensbeheer66300Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220

Primary activity highlighted.

Names & trade names

Legal nameFR

N2J INVEST

Registered office

Rue Raide Vallée(MOH) 132 bus C

4520 Wanze, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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