L&J SERVICES
ActiveL&J SERVICES has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €510k and a net result of €6k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-20
Solvency71▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.19 against 4.48 in 2024; short-term debt: 5.2% and cash: 31.1% of total assets), but 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
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
45.8%
Return on assets
0.5%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
41 d early
2023
30 d late
2022
30 d late
2021
50 d late
2020
8 d early
2019
34 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, micro schema
Equity
€510k▲ 1.1%
2024 · €504k
2019: €237k
2020: €268k
2021: €311k
2022: €356k
2023: €439k
2024: €504k
2019 → 2025
Total assets
€1.11M▼ 6.7%
2024 · €1.19M
2019: €428k
2020: €1.02M
2021: €1.01M
2022: €1.10M
2023: €1.15M
2024: €1.19M
2019 → 2025
Net result
€6k▼ 91.1%
2024 · €64k
2019: €21k
2020: €31k
2021: €43k
2022: €45k
2023: €84k
2024: €64k
2019 → 2025
Working capital
€360k▲ 1.6%
2024 · €354k
2019: €60k
2020: €180k
2021: €219k
2022: €251k
2023: €297k
2024: €354k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€311k-€356k▲ 14.5%€439k▲ 23.5%€504k▲ 14.7%€510k▲ 1.1%
Operating result€81k-€92k▲ 14.5%€125k▲ 35.6%€112k▼ 10.3%€23k▼ 79.3%
Net result€43k-€45k▲ 5.4%€84k▲ 85.9%€64k▼ 23.1%€6k▼ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€696k▼ 5.7%
Current assets
€418k▼ 8.3%
Equity and liabilities €1.11M
Equity
€510k▲ 1.1%
Debt
€604k▼ 12.4%
The debt ratio falls from 57.8% to 54.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €159k
Cash flow
€53k▼
2024 · €111k
Solvency
45.8%▲
2024 · 42.2%
Current ratio
7.19▲
2024 · 4.48
Quick ratio
7.19▲
2024 · 4.48
Debt / equity
1.19▼
2024 · 1.37
ROE
1.1%▼
2024 · 12.8%
ROA
0.5%▼
2024 · 5.4%
Interest coverage
4.29▼
2024 · 9.25
Debt
€604k▼
2024 · €690k
Debt ≤ 1 year
€58k▼
2024 · €102k
Debt > 1 year
€546k▼
2024 · €588k
Income taxes
€4k▼
2024 · €35k
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€1.19M€1.11M▼
Fixed assets21/28€737k€696k▼
Tangible fixed assets22/27€737k€696k▼
Land and buildings22€682k€658k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€52k€34k▼
Current assets29/58€456k€418k▼
Amounts receivable within one year40/41€27k€20k▼
Trade receivables40€27k€20k▼
Other amounts receivable41-€469
Current investments50/53€51k€51k=
Cash at bank and in hand54/58€377k€346k▼
Deferred charges and accrued income490/1€701€448▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.11M▼
Equity10/15€504k€510k▲
Contributions10/11€6k€6k=
Reserves13€498k€503k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€489k€495k▲
Amounts payable17/49€690k€604k▼
Amounts payable after more than one year17€588k€546k▼
Financial debts170/4€588k€546k▼
Amounts payable within one year42/48€102k€58k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€83k€38k▼
Taxes450/3€83k€38k▼
Other amounts payable47/48€2k€713▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€47k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€161k€75k▼
Operating profit (loss)9901€112k€23k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€99k€9k▼
Income taxes67/77€35k€4k▼
Profit (loss) for the period9904€64k€6k▼
Profit (loss) for the period to be appropriated9905€64k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€6k▼
Transfer to equity691/2€64k€6k▼
To other reserves6921€64k€6k▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €6k ▼91.1%
Net result drops to €6k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €504k ▲14.7%
6 profitable years in a row build equity to €504k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2019net €84k ▲85.9%
Operating result €125k, net result €84k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 7.43
Current ratio from 3.64 to 7.43; short-term debt falls from €68k to €34k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.64
Current ratio from 1.53 to 3.64; short-term debt falls from €113k to €68k.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Knokke-Heist · 1 establishment unit since 2006
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.
Schildeken 28301 Knokke-HeistGround area
190 m²
Building footprint
92 m²
Volume, LiDAR
659 m³
Parcel 31337C0011/00K000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L&J Services
since 20062.156.441.147
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31337C0011/00K000 | Flanders | 190 m² | 1 · 92 m² | 9.5 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,822 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2004
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.