J & L SOLUTIONS
ActiveThe computed 12-month bankruptcy probability of J & L SOLUTIONS is 3.1% (moderate). The 2025 annual accounts show negative equity (€-11k) and a net result of €-8k. Equity is shrinking by ~110.4% per year across the filed fiscal years. Its solvency ranks better than 6% of 1887 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-1
Solvency0▼-15
Growth32=
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.24 against 0.21 in 2024; short-term debt: 125.7% and cash: 1.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-25.7%
Return on assets
-18.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
58 d late
2023
24 d late
2022
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k▼ 281%
2024 · €-3k
2022: €8k
2023: €1k
2024: €-3k
2022 → 2025
Total assets
€42k▲ 48.8%
2024 · €28k
2022: €53k
2023: €41k
2024: €28k
2022 → 2025
Net result
€-8k▼ 93.1%
2024 · €-4k
2022: €3k
2023: €-7k
2024: €-4k
2022 → 2025
Working capital
€-40k▼ 71.1%
2024 · €-24k
2022: €-18k
2023: €-24k
2024: €-24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€1k▼ 84.7%€-3k€-11k▼ 281%
Operating result€6k-€-7k€-4k▲ 47.0%€-7k▼ 110%
Net result€3k-€-7k€-4k▲ 42.4%€-8k▼ 93.1%
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 €7k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€29k▲ 34.0%
Current assets
€13k▲ 100%
Key figures and ratios
EBITDA
€4k▼
2024 · €7k
Cash flow
€3k▼
2024 · €6k
Solvency
-25.7%▼
2024 · -10.0%
Current ratio
0.24▲
2024 · 0.21
Quick ratio
0.24▲
2024 · 0.21
Debt / equity
-4.89▲
2024 · -10.98
ROA
-18.9%▼
2024 · -14.6%
Interest coverage
20.37▼
2024 · 28.87
Debt
€53k▲
2024 · €31k
Debt ≤ 1 year
€53k▲
2024 · €30k
Income taxes
€391▲
2024 · €371
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€28k€42k▲
Fixed assets21/28€22k€29k▲
Tangible fixed assets22/27€22k€29k▲
Plant, machinery and equipment23€588€5k▲
Furniture and vehicles24€21k€25k▲
Current assets29/58€6k€13k▲
Amounts receivable within one year40/41€3k€12k▲
Trade receivables40€789€6k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€2k€557▼
Deferred charges and accrued income490/1€1k€377▼
Equity and liabilities
Total equity and liabilities10/49€28k€42k▲
Equity10/15€-3k€-11k▼
Contributions10/11€5k€5k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-11k€-19k▼
Amounts payable17/49€31k€53k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€30k€53k▲
Current portion of amounts payable after more than one year42€5k€1k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€371€391▲
Taxes450/3€371€391▲
Other amounts payable47/48€23k€48k▲
Accrued charges and deferred income492/3€20-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€687€863▲
Gross operating margin9900€7k€4k▼
Operating profit (loss)9901€-4k€-7k▼
Financial charges65/66B€228€174▼
Recurring financial charges65€228€174▼
Profit (loss) for the period before taxes9903€-4k€-8k▼
Income taxes67/77€371€391▲
Profit (loss) for the period9904€-4k€-8k▼
Profit (loss) for the period to be appropriated9905€-4k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-19k▼
Profit (loss) brought forward from the previous period14P€-7k€-11k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-09
State Gazette act
General meeting · Director appointmentGeneral meeting · Director appointment2 facts ▸
State Gazette act
General meeting · Director appointment
General meeting · Director appointment2 facts ▸
- General meeting, 2026-08-21
- Director appointment, Nuyts Lieve (bestuurder)
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Nuyts Lieve
CurrentDirector · since 21-08-2026
21-08-2026
Appointed as Director
Location & real-estate footprint
Registered office, Nijlen · 1 establishment unit since 2022
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.
Heuvelstraat 272560 NijlenGround area
1,604 m²
Building footprint
153 m²
Volume, LiDAR
1,210 m³
Parcel 12026B0366/00L000, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J & L SOLUTIONS
since 20222.328.001.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026B0366/00L000 | Flanders | 1,604 m² | 1 · 153 m² | 11.9 m · 3 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
DBM61-Coating
BE 0678.483.821
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BE 0683.727.759
Hamont-Achel · Eq €2k
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BE 0802.118.833
Antwerpen · Eq €2k
DV GRAVURES
BE 0762.709.416
Antwerpen · Eq €2k
La ferronnerie de pierre et jardin
BE 0480.341.525
Jodoigne · Eq €3k
Of 710 companies in sector 25510 we hold annual accounts for 409. 25 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2022
Fiscal year end31-12
Activities, NACEBEL
25510Coating of metals
25610Manufacture of fabricated metal products, except machinery and equipment
43240Other construction installation
43299Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
68110Buying and selling of own real estate
85599Other education
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.