L&J
ActiveSummary
The computed 12-month bankruptcy probability of L&J is 2.4% (moderate). The 2025 annual accounts show equity of €13k and a net result of €8k. Its solvency ranks better than 24% of 7500 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability83
Solvency43
Growth-
Track record67
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.29; short-term debt: 28.3% and cash: 3% of total assets), and 81.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.2%
Return on assets
11.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7500 sector peers (2025).
NBB · sector comparisonPosition among 7500 sector peers
Solvency
better than 24%
← weakest
strongest →
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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€13k
Total assets
€70k
Net result
€8k
Working capital
€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €70k
Fixed assets
€64k
Current assets
€6k
Equity and liabilities €70k
Equity
€13k
Debt
€57k
Debt finances 81.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€24k
Cash flow
€18k
Current ratio
0.29
Debt to equity
4.49
ROE
60.9%
ROA
11.1%
Interest coverage
18.04
Debt ≤ 1 year
€20k
Debt > 1 year
€37k
Income taxes
€5k
Filed annual accounts As filed with the NBB · 2025 · 40 lines
Balance sheet
Code2025
Assets
Total assets20/58€70k
Fixed assets21/28€64k
Tangible fixed assets22/27€64k
Leasing and similar rights25€64k
Current assets29/58€6k
Amounts receivable within one year40/41€2k
Trade receivables40€763
Other amounts receivable41€1k
Cash at bank and in hand54/58€2k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€70k
Equity10/15€13k
Contributions10/11€5k
Reserves13€8k
Distributable reserves133€8k
Amounts payable17/49€57k
Amounts payable after more than one year17€37k
Financial debts170/4€37k
Amounts payable within one year42/48€20k
Current portion of amounts payable after more than one year42€10k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€2k
Taxes450/3€2k
Other amounts payable47/48€5k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k
Other operating charges640/8€3k
Gross operating margin9900€27k
Operating profit (loss)9901€14k
Financial income75/76B€140
Recurring financial income75€140
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€13k
Income taxes67/77€5k
Profit (loss) for the period9904€8k
Profit (loss) for the period to be appropriated9905€8k
Appropriation of the result
Profit (loss) to be appropriated9906€8k
Transfer to equity691/2€8k
To other reserves6921€8k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k |
| Other operating charges640/8 | €3k |
| Gross operating margin9900 | €27k |
| Operating profit (loss)9901 | €14k |
| Financial income75/76B | €140 |
| Recurring financial income75 | €140 |
| Financial charges65/66B | €1k |
| Recurring financial charges65 | €1k |
| Profit (loss) for the period before taxes9903 | €13k |
| Income taxes67/77 | €5k |
| Profit (loss) for the period9904 | €8k |
| Profit (loss) for the period to be appropriated9905 | €8k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €70k | |
| Fixed assets21/28 | €64k | |
| Tangible fixed assets22/27 | €64k | |
| Leasing and similar rights25 | €64k | |
| Current assets29/58 | €6k | |
| Amounts receivable within one year40/41 | €2k | |
| Trade receivables40 | €763 | |
| Other amounts receivable41 | €1k | |
| Cash at bank and in hand54/58 | €2k | |
| Deferred charges and accrued income490/1 | €2k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €70k | |
| Equity10/15 | €13k | |
| Contributions10/11 | €5k | |
| Reserves13 | €8k | |
| Distributable reserves133 | €8k | |
| Amounts payable17/49 | €57k | |
| Amounts payable after more than one year17 | €37k | |
| Financial debts170/4 | €37k | |
| Amounts payable within one year42/48 | €20k | |
| Current portion of amounts payable after more than one year42 | €10k | |
| Trade debts44 | €2k | |
| Suppliers440/4 | €2k | |
| Taxes, remuneration and social security45 | €2k | |
| Taxes450/3 | €2k | |
| Other amounts payable47/48 | €5k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €8k |
| + Depreciation and write-downs630 | €10k |
| Operating cash flow (approximation) | €18k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
18-08
State Gazette act
Resignation: Kennis Jordy (director)Appointment: Beyltiens Tjensy (non-statutory director) · Name change · Registered-office move8 facts ▸
State Gazette act
Resignation: Kennis Jordy (director)
Appointment: Beyltiens Tjensy (non-statutory director) · Name change · Registered-office move8 facts ▸
- General meeting, 07-08-2026
- Name change, TB-reno algemene renovatiewerken
- Registered-office move, 9190 Stekene, Zavelstraat 5 a bus 4
- Purpose change, Uitbreiding van het voorwerp met activiteiten zoals metselwerken, vloeren en betegelen, montage van schrijnwerk, installatie van garagepoorten, riolering, sanit…
- Director resignation, Kennis Jordy (director)
- Director appointment, Beyltiens Tjensy (non-statutory director)
- Statutes amendment
- Number of directors, 1
State Gazette actNBB filing
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Beyltiens Tjensy
CurrentNon-statutory director · since 07-08-2026
07-08-2026
Beyltiens Tjensy: Appointed as Non-statutory director
07-08-2026
Kennis Jordy: Resigned as Director
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Stekene · 1 establishment unit since 2024
Ground area
4,051 m²
Building footprint
1,469 m²
Parcel 46024A1341/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
L&J
since 20242.366.548.392
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1341/00D000 | Flanders | 4,051 m² | 1 · 1,469 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 10,184 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-09-2024
Fiscal year end31-12
Legal name NL
TB-reno algemene renovatiewerken
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43910Bricklaying and masonry work
43990Other specialised construction activities
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.