Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of LAJ CONSTRUCTION is 6.4% (elevated). The 2024 annual accounts show equity of €34k and a net result of €64k. Equity is growing by ~63.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 3812 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 eventsTrust signals
2 signalsAdministrative Flags
1 eventFinancials
Annual accounts & ratios
Source: NBB · 2024How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 38.3% | 39.4% | |
| Net result | €64k | €10k | |
| Equity | €34k | €29k | |
| Gross operating margin | €71k | €26k | |
| Total assets | €89k | €85k |
| Fiscal year | 2024 |
|---|---|
| Revenue | €466k |
| EBITDA | - |
| Net profit | €64k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €89k |
| Equity | €34k |
| Debt | €55k |
| of which ≤ 1y | €55k |
| of which > 1y | - |
| Working capital | €34k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 1.62 |
| Quick ratio | 1.62 |
| Working capital ratio | 38.3% |
| Solvency | 38.3% |
| Debt / equity | 1.61 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | 15.2% |
| Net margin | 13.6% |
| ROA | 71.0% |
| ROE | 185.6% |
| EBITDA margin | - |
| Days sales outstanding | 52d |
| Days payable outstanding | 4d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €89k |
| Current assets | 29/58 | €89k |
| Amounts receivable within one year | 40/41 | €85k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €89k |
| Equity | 10/15 | €34k |
| Contributions / capital | 10/11 | €1k |
| Reserves | 13 | €33k |
| Amounts payable | 17/49 | €55k |
| Amounts payable within one year | 42/48 | €55k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Turnover | 70 | €466k |
| Gross operating margin | 9900 | €71k |
| Operating result | 9901 | €71k |
| Financial charges | 65 | €281 |
| Result before taxes | 9903 | €70k |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €64k |
| Result to be appropriated | 9905 | €64k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0041/00F000 | Flanders | 7,975 m² | 1 · 1,789 m² | - |
| 22003A0047/00X008 | Flanders | 1,134 m² | 1 · 561 m² | 11.6 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgisch Staatsblad · acts
3 acts26-03-2025 All shares are now held by a single shareholder
07-03-2025 Registered office moved from Vilvoorde to Linkebeek
- Mechelsesteenweg 151A 1800 Vilvoorde → 1630 Linkebeek, Villalan 26
12-07-2024 Registered office moved from Zaventem to Vilvoorde
- Imperiastraat 8, 1930 Zaventem → Mechelsesteenweg 151A, 1800 Vilvoorde
Analysis
Snowflake analysis
financial profile on 5 axesExceptional profile, strong across almost every axis.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameNL | LAJ CONSTRUCTION |
- 24-01-2025 Address struck