J&L

Active

Private limited companyfounded 20206 yrs activeBalenbergstraat 13, 3128 Tremelo, BelgiumKBO/BCE: BE 0743.472.534

The computed 12-month bankruptcy probability of J&L is 2.8% (moderate). The 2024 annual accounts show equity of €8k and a net result of €-8k. Equity is shrinking by ~24.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 13% of 5895 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

35 / 100

Weak▲ +18 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency13▼-2

Growth32=

Stability100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.02 against 1.05 in 2023), and 98% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

Return on assets

-1.9%

Age of the figures

20 mo

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

2021222324

2020 to 2024 · latest year -€8k

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 5895 sector peers (2024).

NBB · sector comparison

Position among 5895 sector peers

Solvency

better than 13%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

7 d early

2023

58 d early

2022

53 d early

2021

44 d early

2020

51 d early

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Equity

€8k▼ 48.7%

2023 · €16k

2020: €40k 2021: €32k 2022: €50k 2023: €16k

2020 → 2024

Total assets

€412k▲ 19.1%

2023 · €346k

2020: €231k 2021: €279k 2022: €178k 2023: €346k

2020 → 2024

Net result

€-8k▲ 76.9%

2023 · €-34k

2020: €12k 2021: €-8k 2022: €17k 2023: €-34k

2020 → 2024

Working capital

€8k▼ 48.7%

2023 · €16k

2020: €163k 2021: €213k 2022: €49k 2023: €16k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€40k-€32k▼ 18.9%€50k▲ 53.8%€16k▼ 67.8%€8k▼ 48.7%

Operating result€20k-€-886€28k€-30k€-8k▲ 74.5%

Net result€12k-€-8k€17k€-34k€-8k▲ 76.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €8k in 2024 against €30k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €412k

98.0%

Equity €8k▼ 48.7%

Debt €404k▲ 22.4%

The debt ratio rises from 95.4% to 98.0%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

Solvency

2.0%▼

2023 · 4.6%

Current ratio

1.02▼

2023 · 1.05

Quick ratio

0.01▼

2023 · 0.17

Debt / equity

49.25▲

2023 · 20.63

ROE

-95.1%▲

2023 · -211.0%

ROA

-1.9%▲

2023 · -9.8%

Debt

€404k▲

2023 · €330k

Debt ≤ 1 year

€404k▲

2023 · €330k

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€346k€412k▲

Current assets29/58€346k€412k▲

Stocks and contracts in progress3€289k€409k▲

Stocks30/36€289k€409k▲

Amounts receivable within one year40/41€93€90▼

Other amounts receivable41€93€90▼

Cash at bank and in hand54/58€56k€2k▼

Deferred charges and accrued income490/1€382€523▲

Equity and liabilities

Total equity and liabilities10/49€346k€412k▲

Equity10/15€16k€8k▼

Contributions10/11€30k€30k=

Reserves13€20k€20k=

Distributable reserves133€20k€20k=

Profit (loss) carried forward14€-34k€-42k▼

Amounts payable17/49€330k€404k▲

Amounts payable within one year42/48€330k€404k▲

Trade debts44-€15

Suppliers440/4-€15

Taxes, remuneration and social security45€2k€5k▲

Taxes450/3€2k€5k▲

Other amounts payable47/48€328k€399k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€515-

Other operating charges640/8€1k€3k▲

Gross operating margin9900€-28k€-4k▲

Operating profit (loss)9901€-30k€-8k▲

Financial income75/76B-€2

Recurring financial income75-€2

Financial charges65/66B€4k€192▼

Recurring financial charges65€4k€192▼

Profit (loss) for the period before taxes9903€-34k€-8k▲

Profit (loss) for the period9904€-34k€-8k▲

Profit (loss) for the period to be appropriated9905€-34k€-8k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-34k€-42k▼

Profit (loss) brought forward from the previous period14P-€-34k

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Gazette 1Filings 5

2026

31-03

State Gazette act Resignations & appointments

General meeting · Director resignation · Director discharge6 facts ▸

General meeting, 19/01/2026
Director resignation, Jelle Schoovaerts (niet-statutaire bestuurder)
Director discharge, Jelle Schoovaerts
Director appointment, Remi Van der Borght (niet-statutaire bestuurder)
Mandate compensation, Remi Van der Borght
Power of attorney, BV BELGIAN ACCOUNTING SERVICES

2025

24-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-34k ▼294%

Net result drops to €-34k, the lowest in the series; recovery starts the following year.

08-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

17-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

10-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 directors, no change since 2026

Remi Van der Borght

Non-statutory director · since 19-01-2026

Current

19-01-2026 Remi Van der Borght: Appointed as Non-statutory director

19-01-2026 SCHOOVAERTS Jelle: Resigned as Non-statutory director

Location & real-estate footprint

Registered office, Tremelo · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Balenbergstraat 133128 Tremelo

Ground area

1,694 m²

Building footprint

187 m²

Volume, LiDAR

617 m³

Parcel 24006D0365/00C000, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

J&L

Balenbergstraat 13, 3128 TremeloSupport activities for crop production

since 20202.300.059.446

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24006D0365/00C000	Flanders	1,694 m²	1 · 187 m²	8.9 m · 1 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.

Similar companies · same sector, comparable size

E.F.W. Solutions

BE 0643.448.312

Diepenbeek · Eq €8k

JJ Concept et Solution

Braine-le-Château · Eq €8k

Hellebaut Flore

BE 0734.574.664

Bocholt · Eq €8k

Of 21,206 companies in sector 81300 we hold annual accounts for 4,359. 2,174 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-02-2020

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

47761Retail sale of flowers, plants, seeds and fertilisers

68110Buying and selling of own real estate

77210Renting and leasing of sports and recreation goods

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.