LEJEUNE LAURENCE PSY · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LEJEUNE LAURENCE PSY is 3.0% (moderate). The 2025 annual accounts show equity of €78k and a net result of €20k. Equity is growing by ~40.7% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	02-02-2026	2 d late	2026-00033153
30-06-2024	31-01-2025	05-02-2025	5 d late	2025-00033019
30-06-2023	31-01-2024	31-01-2024	on the day	2024-00015477

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.0% Moderate

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€20k-72.4%

Working capital€626

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~40.7%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How 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).

EBITDA

€119k

-21.5% 23-25

Net profit

€20k

-72.4% 23-25

Cash flow

€72k

-41.6% 23-25

Total assets

€318k

-4.0% 23-25

Equity

€78k

+32.0% 23-25

Working capital

€626

- 23-25

Income taxes

€7k

-64.3% 23-25

Dividends

€859

-98.0% 23-25

Show 10 other metrics

Debt

€240k

-11.8% 23-25

Debt ≤ 1y

€62k

+13.3% 23-25

Debt > 1y

€178k

-18.1% 23-25

Current ratio

1.01

+133.7% 23-25

Quick ratio

1.01

+133.7% 23-25

Solvency

24.5%

+37.4% 23-25

Debt / equity

3.08

-33.1% 23-25

ROE

25.3%

-79.1% 23-25

ROA

6.2%

-71.3% 23-25

Interest coverage

2.96

-82.3% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€119k
Net profit	€20k
Cash flow	€72k
Staff costs	-
Income taxes	€7k
Dividends	€859
Total assets	€318k
Equity	€78k
Debt	€240k
of which ≤ 1y	€62k
of which > 1y	€178k
Working capital	€626
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.01
Quick ratio	1.01
Working capital ratio	0.2%
Solvency	24.5%
Debt / equity	3.08
Long-term debt ratio	2.28
Interest coverage	2.96
Gross margin	-
Net margin	-
ROA	6.2%
ROE	25.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €255k · 80.3% Current assets €63k · 19.7%

Equity & liabilities

Equity €78k · 24.5% Debt €240k · 75.5%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€318k
Fixed assets	21/28	€255k
Intangible fixed assets	21	€250k
Tangible fixed assets	22/27	€5k
Current assets	29/58	€63k
Amounts receivable within one year	40/41	€1k
Cash & bank	54/58	€57k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€318k
Equity	10/15	€78k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€75k
Amounts payable	17/49	€240k
Amounts payable after one year	17	€178k
Amounts payable within one year	42/48	€62k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€120k
Operating result	9901	€67k
Financial income	75	€0
Financial charges	65	€40k
Result before taxes	9903	€27k
Income taxes	67/77	€7k
Net result for the period	9904	€20k
Result to be appropriated	9905	€20k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

63 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

LEJEUNE LAURENCE PSY

Chaussée de Tirlemont(Jod.) 685, 1370 JodoigneActiviteiten van medisch specialisten

since 20222.334.345.184

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,922 m²

Buildings1

Building footprint147 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25114C0065/00H000	Wallonia	1,922 m²	1 · 147 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

69 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 63

Profitability 100

Solvency 36

Growth 52

Stability 94

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

LEJEUNE LAURENCE PSY

Registered office

Chaussée de Tirlemont(Z.-L.) 685

1370 Jodoigne, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.