KSJL

Active

Private limited companyfounded 20232 yrs active't Lo 149, 3930 Hamont-Achel, BelgiumKBO/BCE: BE 1000.562.027

KSJL has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €31k. Its solvency ranks better than 52% of 542 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

77 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability94▼-6

Solvency69▲+11

Growth52

Track record82

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 1.78 against 0.87 in 2024; short-term debt: 33.4% and cash: 45.1% of total assets), but 55.7% 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

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

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

44.3%

Return on assets

20.2%

Age of the figures

12 mo

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 16

Relative position

BE, all sectors

reference

Sector 16

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

31 d early

2024

34 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

21-09-2026 today30-09-2026 close30-04-2027 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

Financials · fiscal year 2025, micro schema

Equity

€67k▲ 79.6%

2024 · €38k

2024: €38k

2024 → 2025

Total assets

€152k▲ 33.2%

2024 · €114k

2024: €114k

2024 → 2025

Net result

€31k▼ 7.9%

2024 · €33k

2024: €33k

2024 → 2025

Working capital

€39k

2024 · €-5k

2024: €-5k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€38k-€67k▲ 79.6%

Operating result€42k-€41k▼ 3.0%

Net result€33k-€31k▼ 7.9%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 3% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €152k

40.7%

59.3%

Fixed assets €62k▼ 25.2%

Current assets €90k▲ 191%

Equity and liabilities €152k

44.3%

55.7%

Equity €67k▲ 79.6%

Debt €85k▲ 10.4%

The debt ratio falls from 67.1% to 55.7%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€62k▼

2024 · €74k

Cash flow

€52k▼

2024 · €65k

Solvency

44.3%▲

2024 · 32.9%

Current ratio

1.78▲

2024 · 0.87

Quick ratio

1.78▲

2024 · 0.87

Debt / equity

1.26▼

2024 · 2.04

ROE

45.5%▼

2024 · 88.8%

ROA

20.2%▼

2024 · 29.2%

Interest coverage

32.40▼

2024 · 44.84

Debt

€85k▲

2024 · €77k

Debt ≤ 1 year

€51k▲

2024 · €36k

Debt > 1 year

€34k▼

2024 · €41k

Income taxes

€8k▲

2024 · €7k

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€114k€152k▲

Formation expenses20€403€0▼

Fixed assets21/28€83k€62k▼

Tangible fixed assets22/27€83k€62k▼

Plant, machinery and equipment23€11k€5k▼

Furniture and vehicles24€4k€0▼

Leasing and similar rights25€68k€57k▼

Current assets29/58€31k€90k▲

Amounts receivable within one year40/41€17k€20k▲

Trade receivables40€14k€19k▲

Other amounts receivable41€3k€1k▼

Cash at bank and in hand54/58€12k€69k▲

Deferred charges and accrued income490/1€2k€1k▼

Equity and liabilities

Total equity and liabilities10/49€114k€152k▲

Equity10/15€38k€67k▲

Contributions10/11€5k€5k=

Reserves13€33k€62k▲

Distributable reserves133€33k€62k▲

Amounts payable17/49€77k€85k▲

Amounts payable after more than one year17€41k€34k▼

Financial debts170/4€41k€34k▼

Amounts payable within one year42/48€36k€51k▲

Current portion of amounts payable after more than one year42€7k€7k▲

Trade debts44€6k€18k▲

Suppliers440/4€6k€18k▲

Taxes, remuneration and social security45€240€240=

Taxes450/3€240€240=

Other amounts payable47/48€23k€26k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€21k▼

Other operating charges640/8€954€806▼

Gross operating margin9900€75k€63k▼

Operating profit (loss)9901€42k€41k▼

Financial income75/76B€0€3▲

Recurring financial income75€0€3▲

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€40k€39k▼

Income taxes67/77€7k€8k▲

Profit (loss) for the period9904€33k€31k▼

Profit (loss) for the period to be appropriated9905€33k€31k▼

Appropriation of the result

Profit (loss) to be appropriated9906€33k€31k▼

Transfer to equity691/2€33k€30k▼

To other reserves6921€33k€30k▼

Profit to be distributed694/7€800€800=

Return on contributions (dividend)694€800€800=

The notes to these accounts (5 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 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Liquidity doublescurrent ratio 1.78

Current ratio from 0.87 to 1.78.

27-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Hamont-Achel · 1 establishment unit since 2023

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.

't Lo 1493930 Hamont-Achel

Ground area

1,923 m²

Building footprint

161 m²

Volume, LiDAR

1,026 m³

Parcel 72012C1181/00P000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

KS hout & interieur

't Lo 149, 3930 Hamont-AchelOther retail sale of new goods

since 20232.350.891.703

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72012C1181/00P000	Flanders	1,923 m²	1 · 161 m²	8.9 m · 2 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

SOTRADEL - Menuiserie - Ebénisterie

Of 1,599 companies in sector 16230 we hold annual accounts for 783. 588 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-10-2023

Fiscal year end30-09

Activities, NACEBEL

16230Manufacture of other builders' carpentry and joinery

43310Plastering work

43320Joinery installation

43332Laying of wooden floor and wall coverings

43990Other specialised construction activities

43999Specialised construction activities

47789Other retail sale of new goods

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.