Debts
€309,040 88% of the balance sheet
Financial debts 66%Suppliers 19%Taxes and wages 3%Other 12%
Of this, €106,041 falls due within a year.
LJFB
Overview
Lifetime
1 annual account with figurespeak €69,687 (2025)
€69,687
lowest -€27,893 (2025)
-€27,893
peak €42,107 (2025)
€42,107
€309,040
Board3 names since 2025
2 directorsB. CONSULTING and 1 other
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Loss of €27,8931 director appointed, 1 resignation 10-12Incorporation 14-021 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsBoard
1 joined · 1 left
Board changed. Latest change 17-11-2025 · 2 in office.
Position in the sector
-€27,893
Lower net result than 91% of companies in retail trade. Sector median €5,059 · 22,852 companies.
Checked score
62
Healthy
Financially stronger than 30% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 1.8%
04-2026: 1.8%● unchanged vs 03-2026
05-2026: 1.9%▲ +0.1 percentage points vs 04-2026
06-2026: 2.3%▲ +0.4 percentage points vs 05-2026
07-2026: 2.3%● unchanged vs 06-2026highest value
08-2026: 1.5%▼ -0.8 percentage points vs 07-2026lowest value
09-2026: 1.5%● unchanged vs 08-2026
10-2026: 1.6%▲ +0.1 percentage points vs 09-2026
11-2026: 1.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2025
Sector: Retail trade (NACE 47)
Equity €42,107 (12.0% of total assets)
lowers risk
Size: total assets €351,147
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 28% of them on solvency, 46% on liquidity and 17% on profitability.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 173 companies had the same profile as LJFB has now. Each dot is one company, two years later.
94.2%
were still trading
2.3%
stopped another way
2.9%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LJFB itself: 1.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 173 companies, not a prediction for LJFB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.43, below the usual 1.5. Short-term debt is 30.2% and cash 7.2% of total assets. 88% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
15 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- B.CONSULTING 602 sharesdeed of 14-02-2025
- BOCQUÉ Lucas Michel Jean 98 sharesdeed of 14-02-2025
Recent changes
1 director appointed, 1 resignation
Resignation: BOCQUE Lucas · Appointment: BCQ MANAGEMENT · Permanent representative: BOCQUE Lucas · General meeting of 17-11-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019928076
Incorporation
Founding capital of €70,000, 700 shares · Founders: B.CONSULTING and BOCQUÉ Lucas Michel Jean · Permanent representative: BORNAUW Jean-François Frédéric Vital · published on 14-02-2025 · Gazette deed
First establishment
Tom & Co Enghien, Brusselsesteenweg (P.E.) 355, Enghien
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LJFB Enghien | €351,147 | €69,687 | 12.0% | - |
| EXOTIC 2000 Beyne-Heusay | €461,666 | €66,961 | 49.0% | - |
| DS GL Pelt | €373,366 | €145,877 | -7.2% | - |
| DBNS Héron | €266,790 | €114,779 | -24.2% | - |
| LA CERISE SUR LE MUSEAU Bastogne | €388,780 | €113,519 | 17.4% | - |
| CERNUNNOS Tielt-Winge | €653,484 | €73,463 | -0.2% | - |
| Tom & Co Gembloux Florennes | €549,106 | €166,120 | 1.6% | - |
These companies have the same main activity as LJFB: retail sale of pets, pet food and pet supplies (NACE 47762). They are comparable in size and age: total assets between €267,000 and €653,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 12-02-2025Normal situation
- Activity
- Retail sale of pets, pet food and pet suppliesNACE 47762
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.370.116.4107850 Enghien, since 12-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 16-04-2025
Annual accounts 2025
- €69,687
- ≈ €340,000estimated
- €27,893
- €42,107
- €351,147
- Employeeson 31-12-2025
- 4
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on LJFB
The computed 12-month bankruptcy probability of LJFB is 1.6% (moderate). The 2025 annual accounts show equity of €42,107 and a net result of -€27,893.
Its solvency ranks better than 31% of 22,869 sector peers (NACE 47, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 16-07-2026, 15 days before the deadline€69,687
-€16,169
-€27,893
€45,069
12.0%
1.43
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €340,000. Estimated: probably between €180,000 and €460,000.
Balance sheet
balance sheet total €351,147 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
12.0%
Higher than 31% of 22,869 companies in 2025.
1.43
Higher than 49% of 22,000 companies in 2025.
-7.9%
Higher than 19% of 22,150 companies in 2025.
LJFB
Middle half of the sector
80% of the sector
Micro accounts in retail trade (NACE 47)
Net result: bottom quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
Staff
€20,275
Staff costs divided by the average number of full-time equivalents.
+4 people
people who joined
people who left
In 2025, 32 people joined and 28 left. Training hours in 2025: 294.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
351,147 | |
21/28 |
200,037 | |
21 |
17,245 | |
22/27 |
182,494 | |
23 |
4,746 | |
24 |
269 | |
26 |
177,478 | |
28 |
298 | |
29/58 |
151,110 | |
3 |
102,647 | |
30/36 |
102,647 | |
40/41 |
13,963 | |
40 |
1,440 | |
41 |
12,523 | |
54/58 |
25,335 | |
490/1 |
9,165 | |
| Balance sheet: equity and liabilities | ||
10/49 |
351,147 | |
10/15 |
42,107 | |
10/11 |
70,000 | |
14 |
-27,893 | |
17/49 |
309,040 | |
17 |
202,999 | |
170/4 |
202,999 | |
42/48 |
106,041 | |
42 |
38,583 | |
44 |
58,931 | |
440/4 |
58,931 | |
45 |
8,527 | |
450/3 |
2,160 | |
454/9 |
6,367 | |
| Income statement | ||
9900 |
69,687 | |
62 |
68,935 | |
630 |
15,594 | |
640/8 |
1,326 | |
9901 |
-16,169 | |
75/76B |
1,326 | |
75 |
1,326 | |
65/66B |
13,051 | |
65 |
13,051 | |
9903 |
-27,893 | |
9904 |
-27,893 | |
9905 |
-27,893 | |
| Appropriation of the result | ||
9906 |
-27,893 | |
| Social balance sheet | ||
9087 |
3.4 | |
Hours worked1013 |
3,665 | |
| Document | ||
The notes to these accounts have 14 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 16-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 16-07-2026 | 2026-00314627 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -574 | ||
| -12,299 | ||
| 215,631 | ||
| 45,069 | ||
| 12.0% | ||
| 1.43 | ||
| 0.46 | ||
| 7.34 | ||
| -66.2% | ||
| -7.9% | ||
| -0.04 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 4 |
| full-time | 4 |
| part-time | 0 |
| in full-time equivalents | 4 |
| 3.4 | |
| On a permanent contract | 2 |
| Joined | 32 |
| Left | 28 |
| Training hours | 294 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €195,333 |
| Intangible fixed assets | €20,000 |
| Financial fixed assets | €298 |
| €15,594 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on LJFB
Debt's share of the balance-sheet total is 88.0%.
Board & ownership
Board
2 directors, no change since November 2025Director (not named in the articles), permanent representative BORNAUW Jean-François Frédéric Vital
since 12-02-2025
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 16-07-2026
Director, permanent representative BOCQUE Lucas
since 17-11-2025
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 16-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “B/ Pouvoirs Chaque administrateur agissant seul représente la société à l'égard des tiers et en justice et peut poser tous les actes…”deed of 14-02-2025
Permanent representatives 2
BORNAUW Jean-François Frédéric Vital
Permanent representative, for B. CONSULTING
appointed by deed of 14-02-2025
Mandates through the years
3 names, the dashed line is todayB. CONSULTING
Director (not named in the articles)
Director (not named in the articles)
BCQ MANAGEMENT
Director
Director
BOCQUÉ Lucas Michel Jean
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- B. CONSULTING
- Director (not named in the articles), from 12-02-2025 to date
- BCQ MANAGEMENT
- Director, from 17-11-2025 to date
- BOCQUÉ Lucas Michel Jean
- Director (not named in the articles), appointed by deed of 14-02-2025, until 17-11-2025
Control
Capital
- Contribution
- €70,000
- Shares
- 700
- Contribution per share
- €100
- Equity per share
- €60.15 in 2025
- Source
- deed of 14-02-2025
Articles of association
deed of 14-02-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant, moitié acquéreurs proportionnellement si plusieurs, commun accord, défaut président du tribunal de l’entreprise statuant…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 16:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 14-02-2025 ↗
- B.CONSULTING (BE 0549.881.023) 602 shares (86%) · €60,200
- BOCQUÉ Lucas Michel Jean 98 shares (14%) · €9,800
Network & group
No group
LJFB has no parent and no holdings in its annual accounts.
Earlier ties
| VOYAGES MAGALIE via B. CONSULTING, no longer at VOYAGES MAGALIE · Manager · deed of 18-11-2021 No longer active |
total assets €179,818 (2024) |
Connections & network
2 connected companiesThis company
Company
Director
Shareholding
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Linked via shared directors
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Timeline
Timeline
5 events since 2025Board
Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 15 days before the deadline
2025
1 director appointed, 1 resignationResignation: BOCQUE Lucas · Appointment: BCQ MANAGEMENT · Permanent representative: BOCQUE Lucas · General meeting of 17-11-20254 points ▸
- General meeting, 17-11-2025
- Director resignation, BOCQUE Lucas
- Director appointment, BCQ MANAGEMENT
- Permanent representative, BOCQUE Lucas (director and permanent representative)
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019928076
IncorporationFounding capital of €70,000, 700 shares · Founders: B.CONSULTING and BOCQUÉ Lucas Michel Jean · Permanent representative: BORNAUW Jean-François Frédéric Vital · published on 14-02-202511 points ▸
- Founder, B.CONSULTING (comparante)
- Founder, BOCQUÉ Lucas Michel Jean (comparantetfondateur)
- Permanent representative, BORNAUW Jean-François Frédéric Vital (director (not named in the articles) and permanent representative)
- Founding capital, €70,000, 700 shares
- 700 shares
- Power of attorney, Laurent SNYERS (notaire instrumentant)
- Power of attorney, Laurent SNYERS
- Registered office clause, 7850 Enghien chaussée de Bruxelles 355
- Director appointment, B.CONSULTING (director (not named in the articles))
- Director appointment, BOCQUÉ Lucas Michel Jean (director (not named in the articles))
- Permanent representative, BORNAUW Jean-François Frédéric Vital (director and permanent representative)
- The deed holds 6 more points.
First establishment Tom & Co Enghien, Brusselsesteenweg (P.E.) 355, Enghien
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
LJFB was incorporated on 12 February 2025 as a private limited company by B.CONSULTING and one natural person, with a starting capital of €70,000.12 The board currently has 2 members. B. CONSULTING has served longest, since 2025.3 The company has filed annual accounts once, for financial year 2025.3
Company details
Identity
- Enterprise number
- 1019.928.076
- VAT number
- BE 1019.928.076
- Peppol ID
- 0208:1019928076
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-02-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 16:00deed of 14-02-2025 (in French)
- Peppol
- Reachable since 16-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LJFB in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 14-02-2025 (in French)
Activities
NACEBEL 2025VAT activities
47762
Retail sale of pets, pet food and pet supplies main activity
Social security (RSZ) activities
47762
Retail sale of pets, pet food and pet supplies main activity
Joint committees annual accounts 2025
JC 201
Independent retail
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’exploitation et la gestion d’un magasin animalier; L’acquisition,la commercialisation,l’importation,l’exportation,la vente en…”deed of 14-02-2025 (in French)
3 activities
- L’exploitation et la gestion d’un magasin animalier.
- L’acquisition,la commercialisation,l’importation,l’exportation,la vente en gros,demi-gros et détail d’aliments et de tous produits et accessoires au sens le plus large du terme pour tous les animaux domestiques ou familiers ainsi que d’animaux domestiques,dans le respect des dispositions légales.
- Toutes activités de consultance et notamment la fourniture de tous avis,conseils,formations et assistance sous quelque forme que ce soit à tous tiers,personnes physiques ou morales,dans tous les domaines et notamment,sans que cette liste soit exhaustive,en matière de stratégie,d’organisation,de management,de gestion de ressources humaines(en ce compris le coaching individuel ou de groupes),d’administration,de gestion,de marketing,de finances,d’informatique et de développement commercial ou encore en matière de vente et d’achat d’entreprise.
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Tom & Co Enghien registered office Brusselsesteenweg (P.E.) 355, 7850 Enghien | 12-02-2025 | 2.370.116.410 | Retailer of feed materials Retail - compound feed for production animals Retailer of petfood |
Recognitions
Food safety, FASFC
1 siteEnghien/Edingenunit number 2.370.116.410
Contact
E-mail
jeanfrancoisbornauw@gmail.com