L.&J. CONSTRUCT
Open bankruptcyA bankruptcy procedure is open for L.&J. CONSTRUCT according to publications in the Belgian State Gazette; curator: ALEXIS COLMANT.
Summary
The 2023 annual accounts show equity of €16k and a net result of €10k.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 02-10-2024, 63 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
63 d late
2022
39 d early
2021
138 d late
2020
83 d late
2019
65 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Equity
€16k▲ 187%
2022 · €5k
2018: €26k
2019: €24k
2020: €11k
2021: €-4k
2022: €5k
2018 → 2023
Total assets
€113k▲ 57.1%
2022 · €72k
2018: €95k
2019: €88k
2020: €53k
2021: €55k
2022: €72k
2018 → 2023
Net result
€10k▲ 3.0%
2022 · €10k
2018: €-7k
2019: €-3k
2020: €-12k
2021: €-16k
2022: €10k
2018 → 2023
Working capital
€5k▲ 491%
2022 · €792
2018: €3k
2019: €22k
2020: €9k
2021: €-9k
2022: €792
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€24k-€11k▼ 52.6%€-4k€5k€16k▲ 187%
Operating result€789-€-10k€-13k▼ 30.6%€12k€17k▲ 36.3%
Net result€-3k-€-12k▼ 388%€-16k▼ 26.1%€10k€10k▲ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed two years in a row; 2023 is 36% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €113k
Fixed assets
€13k ▲ 102%
Current assets
€101k ▲ 52.9%
Equity and liabilities €113k
Equity
€16k ▲ 187%
Debt
€98k ▲ 46.4%
Debt's share of the balance-sheet total falls from 92.4% to 86.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2022 · €15k
Cash flow
€12k▼
2022 · €12k
Current ratio
1.05▲
2022 · 1.01
Quick ratio
0.31▼
2022 · 0.57
Debt to equity
6.21▼
2022 · 12.18
ROE
65.2%▼
2022 · 181.7%
ROA
9.0%▼
2022 · 13.8%
Interest coverage
9.72▲
2022 · 7.76
Debt ≤ 1 year
€96k▲
2022 · €65k
Debt > 1 year
€2k=
2022 · €2k
Income taxes
€5k▲
2022 · €624
Staff costs
€41k▼
2022 · €43k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 49 lines
Balance sheet
Code20222023
Assets
Total assets20/58€72k€113k▲
Fixed assets21/28€6k€13k▲
Tangible fixed assets22/27€6k€13k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€743€8k▲
Leasing and similar rights25€2k€1k▼
Current assets29/58€66k€101k▲
Stocks and contracts in progress3€29k€71k▲
Stocks30/36€29k€71k▲
Amounts receivable within one year40/41€21k€10k▼
Trade receivables40€15k€5k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€15k€7k▼
Deferred charges and accrued income490/1€853€12k▲
Equity and liabilities
Total equity and liabilities10/49€72k€113k▲
Equity10/15€5k€16k▲
Contributions10/11€19k€19k=
Reserves13€14k€14k=
Non-distributable reserves130/1€829€829=
Reserves not available under the articles1311€829€829=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-27k€-17k▲
Amounts payable17/49€67k€98k▲
Amounts payable after more than one year17€2k€2k=
Financial debts170/4€2k€2k=
Amounts payable within one year42/48€65k€96k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€51k€69k▲
Suppliers440/4€41k€69k▲
Bills of exchange payable441€10k-
Taxes, remuneration and social security45€9k€23k▲
Taxes450/3€8k€19k▲
Remuneration and social security454/9€140€5k▲
Other amounts payable47/48€4k€4k▼
Income statement
Code20222023
Non-recurring operating income76A€17k-
Remuneration, social security and pensions62€43k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A€10k€12k▲
Gross operating margin9900€70k€76k▲
Operating profit (loss)9901€12k€17k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€11k€15k▲
Income taxes67/77€624€5k▲
Profit (loss) for the period9904€10k€10k▲
Profit (loss) for the period to be appropriated9905€10k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-17k▲
Profit (loss) brought forward from the previous period14P€-37k€-27k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-03
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Mons · L.&J. CONSTRUCT SRL VIEUX CH.DE VALENCIENNES 3, 7012 JEMAPPES · event 23-02-2026
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Highest result since 2018net €10k ▲3%
Operating result €17k, net result €10k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 4 loss-making years.
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 138 days late
2021
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series.
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 83 days late
2020
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 65 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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
1 establishment unit since 2015
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.
Ground area
676 m²
Building footprint
326 m²
Parcel 53008B0087/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
L.&J. CONSTRUCT
since 20152.245.938.988
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53008B0087/00G002 | Wallonia | 676 m² | 1 · 326 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ALEXIS COLMANT RUE DU ONZE NOVEMBRE, 9,
7000 MONS- .
Date provisoire de cessation de paiement : 23/02/2026 |
23-02-2026 → present |
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,842 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2015
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.