LJ Groupe
ActiveThe computed 12-month bankruptcy probability of LJ Groupe is 3.6% (moderate). The 2025 annual accounts show equity of €33k and a net result of €30k. Its solvency ranks better than 17% of 27787 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability85
Solvency39
Growth-
Track record67
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.02; short-term debt: 15.1% and cash: 10.8% of total assets), but 85.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
14.5%
Return on assets
13.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 1 filingDeviation from the deadline
2025
47 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€33k
Total assets
€228k
Net result
€30k
Working capital
€35k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €228k
Fixed assets
€158k
Current assets
€69k
Equity and liabilities €228k
Equity
€33k
Debt
€195k
Debt finances 85.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€76k
Cash flow
€61k
Solvency
14.5%
Current ratio
2.02
Quick ratio
2.02
Debt / equity
5.91
ROE
90.9%
ROA
13.2%
Interest coverage
13.36
Debt
€195k
Debt ≤ 1 year
€34k
Debt > 1 year
€160k
Income taxes
€9k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€228k
Fixed assets21/28€158k
Tangible fixed assets22/27€158k
Land and buildings22€157k
Plant, machinery and equipment23€673
Furniture and vehicles24€792
Current assets29/58€69k
Amounts receivable within one year40/41€45k
Trade receivables40€39k
Other amounts receivable41€6k
Cash at bank and in hand54/58€25k
Equity and liabilities
Total equity and liabilities10/49€228k
Equity10/15€33k
Contributions10/11€3k
Profit (loss) carried forward14€30k
Amounts payable17/49€195k
Amounts payable after more than one year17€160k
Financial debts170/4€160k
Amounts payable within one year42/48€34k
Trade debts44€15k
Suppliers440/4€15k
Taxes, remuneration and social security45€14k
Taxes450/3€12k
Remuneration and social security454/9€3k
Other amounts payable47/48€5k
Accrued charges and deferred income492/3€200
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k
Other operating charges640/8€1k
Gross operating margin9900€77k
Operating profit (loss)9901€44k
Financial income75/76B€9
Recurring financial income75€9
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€39k
Income taxes67/77€9k
Profit (loss) for the period9904€30k
Profit (loss) for the period to be appropriated9905€30k
Appropriation of the result
Profit (loss) to be appropriated9906€30k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Mouscron · 2 establishment units since 2024
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.
Solidariteitstraat 2B7700 MouscronGround area
3,207 m²
Building footprint
203 m²
Volume, LiDAR
858 m³
2 parcels, Wallonia · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
LJ Groupe
since 20242.365.070.826
LJ SALLE DE BAIN ET CARRELAGE
since 20252.379.582.323
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54435D0390/00E003 | Wallonia | 2,020 m² | 1 · 167 m² | 7.5 m · 1 fl. |
| 54434F1047/00F000 | Wallonia | 1,187 m² | 1 · 36 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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IK Technics
BE 0795.119.589
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INSTALLATIEBEDRIJF KORTLEVEN
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,471. 2,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2024
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
33110Repair and maintenance of fabricated metal products
43120Site preparation
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.
Contact details
1 entryE-mail:jordan.legrand@outlook.be