3J & I
Active3J & I has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €132k and a net result of €25k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+1
Solvency70▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.12 in 2023; short-term debt: 19.2% and cash: 37.6% of total assets), but 54.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
1 d early
2022
3 d early
2021
11 d early
2020
15 d early
2019
21 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€132k▲ 7.3%
2023 · €123k
2018: €40k
2019: €56k
2020: €70k
2021: €84k
2022: €114k
2023: €123k
2018 → 2024
Total assets
€292k▼ 3.0%
2023 · €301k
2018: €249k
2019: €260k
2020: €259k
2021: €256k
2022: €281k
2023: €301k
2018 → 2024
Net result
€25k▲ 6.7%
2023 · €23k
2018: €14k
2019: €16k
2020: €14k
2021: €14k
2022: €30k
2023: €23k
2018 → 2024
Working capital
€94k▲ 35.6%
2023 · €69k
2018: €61k
2019: €73k
2020: €81k
2021: €89k
2022: €118k
2023: €69k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€70k-€84k▲ 20.5%€114k▲ 35.5%€123k▲ 8.5%€132k▲ 7.3%
Operating result€26k-€27k▲ 5.0%€48k▲ 79.9%€40k▼ 17.4%€43k▲ 7.6%
Net result€14k-€14k▲ 0.6%€30k▲ 108%€23k▼ 22.0%€25k▲ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 8% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €292k
Fixed assets
€142k▼ 16.4%
Current assets
€150k▲ 14.4%
Equity and liabilities €292k
Equity
€132k▲ 7.3%
Debt
€159k▼ 10.1%
The debt ratio falls from 58.9% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▲
2023 · €63k
Cash flow
€56k▲
2023 · €47k
Solvency
45.4%▲
2023 · 41.1%
Current ratio
2.68▲
2023 · 2.12
Quick ratio
2.68▲
2023 · 2.12
Debt / equity
1.20▼
2023 · 1.44
ROE
18.7%▼
2023 · 18.8%
ROA
8.5%▲
2023 · 7.7%
Interest coverage
11.71▲
2023 · 6.53
Debt
€159k▼
2023 · €177k
Debt ≤ 1 year
€56k▼
2023 · €62k
Debt > 1 year
€103k▼
2023 · €115k
Income taxes
€12k▲
2023 · €10k
Staff costs
€14k▼
2023 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€301k€292k▼
Fixed assets21/28€170k€142k▼
Tangible fixed assets22/27€170k€142k▼
Land and buildings22€34k€31k▼
Furniture and vehicles24€68k€54k▼
Other tangible fixed assets26€67k€56k▼
Current assets29/58€131k€150k▲
Amounts receivable within one year40/41€48k€30k▼
Trade receivables40€48k€30k▼
Other amounts receivable41€480-
Current investments50/53€7k€7k=
Cash at bank and in hand54/58€73k€110k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€301k€292k▼
Equity10/15€123k€132k▲
Contributions10/11€6k€6k=
Reserves13€99k€108k▲
Distributable reserves133€99k€108k▲
Profit (loss) carried forward14€18k€18k=
Amounts payable17/49€177k€159k▼
Amounts payable after more than one year17€115k€103k▼
Financial debts170/4€115k€103k▼
Amounts payable within one year42/48€62k€56k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€21k€7k▼
Suppliers440/4€21k€7k▼
Taxes, remuneration and social security45€13k€21k▲
Taxes450/3€11k€19k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€16k€16k▼
Income statement
Code20232024
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€15k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€31k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€82k€91k▲
Operating profit (loss)9901€40k€43k▲
Financial income75/76B€3k€235▼
Recurring financial income75€3k€235▼
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€34k€37k▲
Income taxes67/77€10k€12k▲
Profit (loss) for the period9904€23k€25k▲
Profit (loss) for the period to be appropriated9905€23k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€43k▲
Profit (loss) brought forward from the previous period14P€18k€18k=
Transfer from equity791/2€14k€16k▲
Transfer to equity691/2€23k€25k▲
To other reserves6921€23k€25k▲
Profit to be distributed694/7€14k€16k▲
Return on contributions (dividend)694€14k€16k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €30k ▲108%
Operating result €48k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲35.5%
5 profitable years in a row build equity to €114k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
10-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2009
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.
Kammenstraat 292000 AntwerpenGround area
75 m²
Building footprint
73 m²
Volume, LiDAR
913 m³
Parcel 11803C1982/00A000, Flanders · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
3J & I
since 20092.176.379.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1982/00A000 | Flanders | 75 m² | 1 · 73 m² | 17.1 m · 5 fl. |
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
2025 · 1 entry · 600 EUR awarded · 600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 600 EUR | 600 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
64999Other financial services
96101Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.