Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
3j-Consult from Wavre, company number BE0443219724, closed financial year 2025 with a result of € 113,419 after tax. For that financial year 3j-Consult recorded a gross margin of € 566,432 and equity of € 122,701. Compared with financial year 2024, the result moved from € 49,342 to € 113,419. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ 122,701
▲ € 113,419 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 113,419
▲ 130% vs 2024
Profit after tax over the fiscal year.
€ 131,290
▲ 242% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -338,701.
People and assets in 2025
6.5
▲ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 397,766
▲ 1% vs 2024
€ 61,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,063
▲ 39% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 773,559
▲ € 643,841 vs 2024
€ 50,086 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 245,908
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 85,761
▼ 24% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 147,074 | € 256,676 | € 488,667 | € 566,432 | ▲ 16% |
| Profit after taxes | € 14,658 | € 31,868 | € 49,342 | € 113,419 | ▲ 130% |
| Equity | € -71,929 | € -40,061 | € 9,281 | € 122,701 | ▲ € 113,419 |
| Total debts | € 464,566 | € 505,531 | € 547,720 | € 1,105,645 | ▲ 102% |
| Cash | € 13,491 | € 18,221 | € 38,352 | € 131,290 | ▲ 242% |
| Land & buildings | € 190,274 | € 181,104 | € 171,934 | € 885,271 | ▲ € 713,337 |
| Retained profit | € -533,330 | € -501,462 | € -452,120 | € -338,701 | ▲ € 113,419 |
| Bank debt | € 246,673 | € 198,167 | € 129,718 | € 773,559 | ▲ € 643,841 |
| Balance sheet total | € 392,637 | € 465,470 | € 557,002 | € 1,228,345 | ▲ 121% |
| Employees (FTE) | 2 | 3.5 | 6.1 | 6.5 | ▲ 0.4 |
Key figures of 3j-Consult, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to 3j-Consult?
What happened at 3j-Consult in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jean-Marc SPILTOIR stepped down as director. NBB
- Marie DIERCKX stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 113,419 (▲ 130% vs 2024). filed late Source: NBB ↗
- Jean-Marc SPILTOIR became a director. NBB
- Marie DIERCKX became a director. NBB
- EVERWATT SAS stepped down as director. NBB
- Jean-Pierre Bernard RICHE stepped down as director. NBB
- EVERWATT SAS became a director. NBB
In short
From € 14,658 profit in 2022 to € 113,419 profit in 2025.
Paid € 3,588 in corporate taxes since 2022.
Best year ever: 2025, with € 113,419 profit.
On average € 87,100 of value added per employee in 2025.
Management
The stake of Green Vest, JMS CONSULT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
3j-ConsultThe shares are held by Green Vest (68.7%) and JMS CONSULT (22.5%).
Directors
According to the 2025 annual accounts
EVERWATT SAS
Director · represented by André MAY
since 2020 · until 2025
Jean-Pierre Bernard RICHE
Director
since 2018 · until 2024
Jean-Marc SPILTOIR
Managing director
since 2025 · until 2031
since 2025 · until 2031
Shareholders
68.7%
22.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Manil 54
1301 Wavre
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0443.219.724
- VAT number
- BE 0443.219.724
- Registered office
- Rue du Manil 54, 1301 Wavre
- Names & denominations
- 3j-Consult · 3J Consult
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 29 January 1991
- Peppol
- Active · Active since 3 Nov 2025
- Activities · NACE
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