LJS

Active

Private limited companyfounded 20224 yrs activeRue du Mont-Saint-Aubert(K) 2, 7540 Tournai, BelgiumKBO/BCE: BE 0784.794.732

The computed 12-month bankruptcy probability of LJS is 2.8% (moderate). The 2024 annual accounts show equity of €116k and a net result of €69k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 36377 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

76 / 100

Excellent▲ +69 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+100

Solvency39▲+14

Growth78▲+46

Stability94

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity tight (current ratio 1.38 against 0.84 in 2023), and 78% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 36377 sector peers (2024).

NBB · sector comparison

Position among 36377 sector peers

Solvency

better than 24%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

26 d late

2023

27 d late

2022

202 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€373k

EBIT margin

21.6%

Net result

€69k

2023 · €-16k

2022: €61k 2023: €-16k

2022 → 2024

Working capital

€100k

2023 · €-27k

2022: €51k 2023: €-27k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Turnover€373k-

Equity€63k-€47k▼ 25.9%€116k▲ 147%

Operating result€80k-€-9k€103k

Net result€61k-€-16k€69k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €103k after a loss of €9k in 2023, the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €526k

31.1%

68.9%

Fixed assets €164k▲ 122%

Current assets €363k▲ 151%

Equity and liabilities €526k

22.0%

78.0%

Equity €116k▲ 147%

Debt €411k▲ 140%

The debt ratio falls from 78.5% to 78.0%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€120k▲

2023 · €3k

Cash flow

€86k▲

2023 · €-4k

Solvency

22.0%▲

2023 · 21.5%

Current ratio

1.38▲

2023 · 0.84

Quick ratio

1.34▲

2023 · 0.74

Debt / equity

3.55▼

2023 · 3.66

ROE

59.5%▲

2023 · -34.9%

ROA

13.1%▲

2023 · -7.5%

Interest coverage

12.67▲

2023 · 0.38

Debt

€411k▲

2023 · €171k

Debt ≤ 1 year

€263k▲

2023 · €171k

Debt > 1 year

€148k

Income taxes

€27k▲

2023 · €267

Staff costs

€39k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€218k€526k▲

Fixed assets21/28€74k€164k▲

Tangible fixed assets22/27€72k€162k▲

Land and buildings22€40k€127k▲

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€29k€33k▲

Financial fixed assets28€2k€2k=

Current assets29/58€145k€363k▲

Stocks and contracts in progress3€17k€11k▼

Stocks30/36€17k€11k▼

Amounts receivable within one year40/41€114k€336k▲

Trade receivables40€107k€276k▲

Other amounts receivable41€7k€59k▲

Cash at bank and in hand54/58€14k€14k▲

Deferred charges and accrued income490/1-€2k

Equity and liabilities

Total equity and liabilities10/49€218k€526k▲

Equity10/15€47k€116k▲

Contributions10/11€2k€2k=

Capital10€2k-

Issued capital100€2k-

Profit (loss) carried forward14€45k€114k▲

Amounts payable17/49€171k€411k▲

Amounts payable after more than one year17-€148k

Financial debts170/4-€148k

Amounts payable within one year42/48€171k€263k▲

Current portion of amounts payable after more than one year42-€6k

Trade debts44€68k€215k▲

Suppliers440/4€68k€215k▲

Advances received on contracts in progress46€65k€4k▼

Taxes, remuneration and social security45€22k€38k▲

Taxes450/3€22k€33k▲

Remuneration and social security454/9-€5k

Other amounts payable47/48€16k-

Income statement Code20232024

Remuneration, social security and pensions62-€39k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€17k▲

Other operating charges640/8€5k€4k▼

Gross operating margin9900€8k€163k▲

Operating profit (loss)9901€-9k€103k▲

Financial income75/76B€842€2k▲

Recurring financial income75€842€2k▲

Financial charges65/66B€8k€9k▲

Recurring financial charges65€8k€9k▲

Profit (loss) for the period before taxes9903€-16k€96k▲

Income taxes67/77€267€27k▲

Profit (loss) for the period9904€-16k€69k▲

Profit (loss) for the period to be appropriated9905€-16k€69k▲

Appropriation of the result

Profit (loss) to be appropriated9906€45k€114k▲

Profit (loss) brought forward from the previous period14P€61k€45k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2025

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

2024

31-12

Financial Back to profitnet €69k

Net result €69k after one loss-making year.

31-12

Financial Equity above €100kEq €116k ▲147%

Equity rises from €47k to €116k.

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

18-02

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 202 days late

2023

31-12

Financial Weakest financial yearnet €-16k ▼127%

Net result drops to €-16k, the lowest in the series; recovery starts the following year.

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Tournai · 1 establishment unit since 2022

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.

Rue du Mont-Saint-Aubert(K) 27540 Tournai

Ground area

5,265 m²

Building footprint

447 m²

Volume, LiDAR

2,312 m³

2 parcels, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

LJS

Rue Alphonse Dufour(Rum) 27, 7540 TournaiPlumbing work

since 20222.333.536.720

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57042C0035/00D000	Wallonia	4,325 m²	1 · 352 m²	10.5 m · 2 fl.
57073A0114/00T000	Wallonia	941 m²	1 · 95 m²	-

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.

Similar companies · same sector, comparable size

Of 9,478 companies in sector 43222 we hold annual accounts for 5,626. 4,901 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-04-2022

Fiscal year end31-12

Activities, NACEBEL

43222Installation of electric heating, air conditioning, cooling and ventilation

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.