K&J Solutions

Active

Private limited companyfounded 20242 yrs activeRue Vinâve 28, 4431 Ans, BelgiumKBO/BCE: BE 1014.270.206

Summary

The computed 12-month bankruptcy probability of K&J Solutions is 3.8% (moderate). The 2025 annual accounts show equity of €79,955 and a net result of €16,110. Its solvency ranks better than 72% of 12918 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

K&J SolutionsActiveChecked score 51/100

Risk analysis Report Compare

Activity

Wholesale trade

NACE 46839NACE 46739

Size

€115,120total assets 2025

Equity: €79,955
Profit: €16,110

Turnover not published (abridged schema)

Financial health

51 Fair Checked score 2025

Bankruptcy chance 12 m: 3.8%

Structure

Accounts filed 59 d late0 of 1 deed read

Why 51- Founded in 2024- Size: total assets €115,120- No establishment unit in the KBO- Latest accounts 59 days late; 1 of the last 3 lateShow the evidence

Checked score

Score 2025

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 70% of its sector peers (NACE 46, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 94-6

equity 69.5% of total assets

Liquidity 47-43

short-term debt 30.5% · cash 8.3%

Profitability 86-14

return on assets 14.0%

Bankruptcy probability, 12 months

3.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,775 companies)

Last 24 months 10-2025: 0.8%lowest value 11-2025: 0.8%● 0.0% vs 10-2025lowest value 12-2025: 0.9%▲ +2.1% vs 11-2025 01-2026: 0.9%▲ +7.2% vs 12-2025 02-2026: 1.0%▲ +3.8% vs 01-2026 03-2026: 1.0%▲ +2.9% vs 02-2026 04-2026: 1.0%▲ +4.5% vs 03-2026 05-2026: 1.2%▲ +14.2% vs 04-2026 06-2026: 1.2%▲ +0.6% vs 05-2026 07-2026: 1.2%▲ +4.6% vs 06-2026 08-2026: 2.0%▲ +60.9% vs 07-2026 09-2026: 2.6%▲ +28.9% vs 08-2026 10-2026: 3.8%▲ +47.5% vs 09-2026highest value

Founded in 2024 raises the probability for this profile
Size: total assets €115,120 raises the probability for this profile
No establishment unit in the KBO raises the probability
Latest accounts 59 days late; 1 of the last 3 late raises the probability

Credit up to €4,000 at 30 days acceptable

Liquidity ample (current ratio 3.24 against 4.56 in 2024; short-term debt: 30.5% and cash: 8.3% of total assets), and 30.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 74%, liquidity 47%, profitability 81%, growth against the median 79%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €115,120

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

No establishment unit in the KBO

In the bankruptcy model this factor raises the probability.

KBO · seat and establishments

Latest accounts 59 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 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 · 2 filings

Deviation from the deadline

2025

59 d late

2024

36 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 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