LA-SJ
ActiveLA-SJ has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €79k. Equity is growing by ~42.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 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
Profitability82▼-2
Solvency79▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.19 against 1.74 in 2024; short-term debt: 1.8% and cash: 1.3% of total assets), and 46.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
53.6%
Return on assets
10.9%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
14 d late
2022
30 d late
2021
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€79k▼ 17.9%
2024 · €96k
2021: €11k
2022: €84k
2023: €96k
2024: €96k
2021 → 2025
Working capital
€28k▼ 22.9%
2024 · €37k
2021: €57k
2022: €-2k
2023: €47k
2024: €37k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€115k▲ 274%€211k▲ 84.0%€307k▲ 45.5%€386k▲ 25.7%
Operating result€16k-€118k▲ 654%€137k▲ 16.5%€136k▼ 1.0%€117k▼ 13.8%
Net result€11k-€84k▲ 689%€96k▲ 14.6%€96k▼ 0.3%€79k▼ 17.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €721k
Fixed assets
€680k▲ 0.4%
Current assets
€42k▼ 52.1%
Equity and liabilities €721k
Equity
€386k▲ 25.7%
Debt
€335k▼ 26.6%
The debt ratio falls from 59.7% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€152k▼
2024 · €164k
Cash flow
€114k▼
2024 · €124k
Solvency
53.6%▲
2024 · 40.3%
Current ratio
3.19▲
2024 · 1.74
Quick ratio
3.19▲
2024 · 1.74
Debt / equity
0.87▼
2024 · 1.48
ROE
20.4%▼
2024 · 31.3%
ROA
10.9%▼
2024 · 12.6%
Interest coverage
139.68▲
2024 · 106.12
Debt
€335k▼
2024 · €456k
Debt ≤ 1 year
€13k▼
2024 · €50k
Debt > 1 year
€322k▼
2024 · €406k
Income taxes
€37k▼
2024 · €38k
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€764k€721k▼
Fixed assets21/28€677k€680k▲
Tangible fixed assets22/27€677k€680k▲
Land and buildings22€677k€666k▼
Furniture and vehicles24-€14k
Current assets29/58€87k€42k▼
Amounts receivable within one year40/41€43k€29k▼
Trade receivables40€11k€19k▲
Other amounts receivable41€32k€10k▼
Cash at bank and in hand54/58€39k€9k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€764k€721k▼
Equity10/15€307k€386k▲
Contributions10/11€20k€20k=
Reserves13€287k€366k▲
Distributable reserves133€287k€366k▲
Amounts payable17/49€456k€335k▼
Amounts payable after more than one year17€406k€322k▼
Other amounts payable178/9€406k€322k▼
Amounts payable within one year42/48€50k€13k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€46k€9k▼
Taxes450/3€46k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€35k▲
Other operating charges640/8€4k€10k▲
Gross operating margin9900€168k€162k▼
Operating profit (loss)9901€136k€117k▼
Financial income75/76B€328€140▼
Recurring financial income75€328€140▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€134k€116k▼
Income taxes67/77€38k€37k▼
Profit (loss) for the period9904€96k€79k▼
Profit (loss) for the period to be appropriated9905€96k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€79k▼
Transfer to equity691/2€96k€79k▼
To other reserves6921€96k€79k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Highest result since 2021net €96k ▲14.6%
Operating result €137k, net result €96k, both a record.
31-12
Financial
Equity above €200kEq €211k ▲84%
3 profitable years in a row build equity to €211k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €100kEq €115k ▲274%
2 profitable years in a row build equity to €115k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Saint-Nicolas · 1 establishment unit since 2021
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 Paul Janson 14420 Saint-NicolasGround area
275 m²
Building footprint
155 m²
Volume, LiDAR
1,826 m³
Parcel 62073B0624/00C002, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LA-SJ
since 20212.316.224.297
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62073B0624/00C002 | Wallonia | 274 m² | 1 · 155 m² | 14.6 m · 4 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
GUIDO VAN HERCK CONSULTANCY
BE 0826.963.602
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ROYAUX BOUW
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BVH - MANAGEMENT
BE 0861.179.163
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RGMC
BE 0886.086.783
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RYCKAERT MANAGEMENT SERVICES
BE 0478.047.672
Bonheiden · Eq €386k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 36,608 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:admin@la-sj.be