LJ-commerce
ActiveThe computed 12-month bankruptcy probability of LJ-commerce is 1.6% (moderate). The 2025 annual accounts show equity of €8k and a net result of €9k. Equity is growing by ~41% per year across the filed fiscal years. Its solvency ranks better than 67% of 18039 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+29
Solvency80▲+58
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.2; short-term debt: 45.4% and cash: 55.1% of total assets), and 45.5% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
54.5%
Return on assets
55.2%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
on the day
2023
2 d early
2022
32 d early
2021
31 d early
2020
33 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k
2024 · €-106
2020: €-7k
2021: €-6k
2022: €-6k
2023: €-725
2024: €-106
2020 → 2025
Total assets
€15k▲ 268%
2024 · €4k
2020: €750
2021: €3k
2022: €3k
2023: €3k
2024: €4k
2020 → 2025
Net result
€9k▲ 1,280%
2024 · €619
2020: €-10k
2021: €908
2022: €-721
2023: €6k
2024: €619
2020 → 2025
Working capital
€8k
2024 · €-252
2020: €-7k
2021: €-6k
2022: €-6k
2023: €-1k
2024: €-252
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€-6k▼ 12.7%€-725▲ 88.7%€-106▲ 85.3%€8k
Operating result€733-€-534€6k€885▼ 85.0%€12k▲ 1,309%
Net result€908-€-721€6k€619▼ 89.1%€9k▲ 1,280%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,309% above 2024 and is the highest result in the available series.
Balance-sheet composition
Equity and liabilities €15k
Equity
€8k
Debt
€7k
Debt finances 45.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k▲
2024 · €1k
Cash flow
€9k▲
2024 · €842
Solvency
54.5%
Current ratio
2.20
Quick ratio
2.20
Debt / equity
0.83
ROE
101.3%
ROA
55.2%
Interest coverage
22.76▲
2024 · 4.00
Debt
€7k▲
2024 · €4k
Debt ≤ 1 year
€7k▲
2024 · €4k
Income taxes
€3k
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€4k€15k▲
Fixed assets21/28€169-
Tangible fixed assets22/27€169-
Furniture and vehicles24€169-
Current assets29/58€4k€15k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€17€9k▲
Deferred charges and accrued income490/1-€9
Equity and liabilities
Total equity and liabilities10/49€4k€15k▲
Equity10/15€-106€8k▲
Contributions10/11€4k€4k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-4k-
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€593€5k▲
Taxes450/3€593€5k▲
Accrued charges and deferred income492/3€23€4▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€223€169▼
Other operating charges640/8€878€744▼
Gross operating margin9900€2k€13k▲
Operating profit (loss)9901€885€12k▲
Financial income75/76B€11-
Recurring financial income75€11-
Financial charges65/66B€277€555▲
Recurring financial charges65€277€555▲
Profit (loss) for the period before taxes9903€619€12k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€619€9k▲
Profit (loss) for the period to be appropriated9905€619€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€5k▲
Profit (loss) brought forward from the previous period14P€-4k€-4k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (5 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €9k ▲1280%
Operating result €12k, net result €9k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.20
Current ratio from 0.94 to 2.20.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €908
Net result €908 after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Lanaken · 1 establishment unit since 2020
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.
Jan Rosierlaan 823620 LanakenGround area
413 m²
Building footprint
127 m²
Volume, LiDAR
684 m³
Parcel 73042C0101/00Z002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LJ-commerce
since 20202.301.229.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042C0101/00Z002 | Flanders | 413 m² | 1 · 127 m² | 9.4 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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ARQUALINE
BE 0471.432.173
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Goût de Vivre
BE 1007.879.092
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Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2020
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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:roy@lj-commerce.com