L.J.MANAGEMENT
ActiveL.J.MANAGEMENT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.78M and a net result of €258k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+16
Solvency85▲+3
Growth63▲+18
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 2.34 in 2024; short-term debt: 5.9% and cash: 1.3% of total assets), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
60.4%
Return on assets
5.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
6 d late
2023
30 d late
2022
29 d late
2021
18 d late
2020
25 d late
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€160k▲ 3.3%
2024 · €155k
2021: €159k
2022: €119k
2023: €145k
2024: €155k
2021 → 2025
EBIT margin
228.6%▲ 167.6pp
2024 · 61.0%
2021: 155.3%
2022: 225.9%
2023: -19.5%
2024: 61.0%
2021 → 2025
Net result
€258k▲ 317%
2024 · €62k
2018: €246k
2019: €350k
2020: €78k
2021: €174k
2022: €252k
2023: €-104k
2024: €62k
2018 → 2025
Working capital
€345k▲ 19.6%
2024 · €288k
2018: €-346k
2019: €-83k
2020: €-195k
2021: €-179k
2022: €232k
2023: €280k
2024: €288k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€159k-€119k▼ 25.5%€145k▲ 22.2%€155k▲ 6.9%€160k▲ 3.3%
Equity€2.31M-€2.56M▲ 10.9%€2.46M▼ 4.1%€2.52M▲ 2.5%€2.78M▲ 10.2%
Operating result€247k-€268k▲ 8.3%€-28k€94k€366k▲ 287%
Net result€174k-€252k▲ 45.1%€-104k€62k€258k▲ 317%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 287% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.60M
Fixed assets
€3.98M▲ 1.4%
Current assets
€614k▲ 21.9%
Equity and liabilities €4.60M
Equity
€2.78M▲ 10.2%
Debt
€1.82M▼ 4.8%
The debt ratio falls from 43.1% to 39.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€441k▲
2024 · €160k
Cash flow
€334k▲
2024 · €127k
Solvency
60.4%▲
2024 · 56.9%
Current ratio
2.28▼
2024 · 2.34
Quick ratio
2.28▼
2024 · 2.34
Debt / equity
0.66▼
2024 · 0.76
ROE
9.3%▲
2024 · 2.5%
ROA
5.6%▲
2024 · 1.4%
Interest coverage
11.36▲
2024 · 3.75
Debt
€1.82M▼
2024 · €1.91M
Debt ≤ 1 year
€269k▲
2024 · €215k
Debt > 1 year
€1.51M▼
2024 · €1.65M
Income taxes
€89k▲
2024 · €10k
Staff costs
€187k▼
2024 · €189k
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€4.43M€4.60M▲
Fixed assets21/28€3.93M€3.98M▲
Tangible fixed assets22/27€1.96M€2.02M▲
Land and buildings22€1.94M€1.87M▼
Plant, machinery and equipment23€29k€78k▲
Leasing and similar rights25-€70k
Financial fixed assets28€1.96M€1.96M=
Affiliated companies280/1€1.96M€1.96M=
Participating interests280€1.96M€1.96M=
Other financial fixed assets284/8€363€363=
Amounts receivable and cash guarantees285/8€363€363=
Current assets29/58€504k€614k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€391k€548k▲
Trade receivables40€39k€74k▲
Other amounts receivable41€351k€474k▲
Cash at bank and in hand54/58€111k€61k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€4.43M€4.60M▲
Equity10/15€2.52M€2.78M▲
Contributions10/11€1.24M€1.24M=
Reserves13€125k€272k▲
Tax-exempt reserves132-€147k
Distributable reserves133€125k€125k=
Profit (loss) carried forward14€1.16M€1.27M▲
Amounts payable17/49€1.91M€1.82M▼
Amounts payable after more than one year17€1.65M€1.51M▼
Financial debts170/4€984k€855k▼
Leasing and similar obligations172-€55k
Credit institutions173€984k€800k▼
Other amounts payable178/9€669k€653k▼
Amounts payable within one year42/48€215k€269k▲
Current portion of amounts payable after more than one year42€184k€200k▲
Trade debts44€1k€725▼
Suppliers440/4€1k€725▼
Taxes, remuneration and social security45€23k€18k▼
Taxes450/3€153€0▼
Remuneration and social security454/9€23k€18k▼
Other amounts payable47/48€8k€51k▲
Accrued charges and deferred income492/3€42k€43k▲
Income statement
Code20242025
Operating income70/76A€658k€896k▲
Turnover70€155k€160k▲
Other operating income74€503k€736k▲
Operating charges60/66A€564k€530k▼
Services and other goods61€300k€243k▼
Remuneration, social security and pensions62€189k€187k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€75k▲
Other operating charges640/8€10k€25k▲
Operating profit (loss)9901€94k€366k▲
Financial income75/76B€21k€21k▼
Recurring financial income75€21k€21k▼
Income from current assets751€21k€20k▼
Other financial income752/9€36€500▲
Financial charges65/66B€43k€40k▼
Recurring financial charges65€43k€40k▼
Debt charges650€42k€39k▼
Other financial charges652/9€502€686▲
Profit (loss) for the period before taxes9903€72k€347k▲
Income taxes67/77€10k€89k▲
Taxes670/3€10k€89k▲
Tax adjustments and reversals of tax provisions77€25€0▼
Profit (loss) for the period9904€62k€258k▲
Transfer to tax-exempt reserves689-€147k
Profit (loss) for the period to be appropriated9905€62k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.16M€1.27M▲
Profit (loss) brought forward from the previous period14P€1.09M€1.16M▲
Social balance
Average headcount (FTE)90872.93.0▲
The notes to these accounts (53 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 6 days late
2024
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-104k ▼141%
Net result drops to €-104k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 29 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.92
Current ratio from 0.70 to 1.92; short-term debt falls from €602k to €252k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 18 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Highest result since 2018net €350k ▲42.7%
Net result €350k, the highest in the series.
31-12
Financial
Equity above €2MEq €2.06M ▲20.5%
2 profitable years in a row build equity to €2.06M.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial 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
Registered office, Péruwelz · 1 establishment unit since 2016
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.
Rue du Cimetière(B.S) 107603 PéruwelzGround area
235 m²
Building footprint
93 m²
Volume, LiDAR
724 m³
Parcel 57011E1190/00P000, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L.J.MANAGEMENT
since 20162.258.705.673
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57011E1190/00P000 | Wallonia | 235 m² | 1 · 93 m² | 9.5 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.
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Of 323 companies in sector 87202 we hold annual accounts for 274. 217 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2007
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
87202Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.