L.J.B.
ActiveL.J.B. has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €767k and a net result of €31k. Equity remains stable across the filed fiscal years (±2.1% per year). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 14.44 against 17.5 in 2024; short-term debt: 3.4% and cash: 38.5% of total assets), and 12.3% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
87.7%
Return on assets
3.6%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
22 d late
2023
30 d late
2022
3 d late
2021
31 d late
2020
31 d late
2019
28 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€767k▲ 4.3%
2024 · €736k
2018: €693k
2019: €671k
2020: €659k
2021: €667k
2022: €702k
2023: €712k
2024: €736k
2018 → 2025
Total assets
€875k▲ 0.4%
2024 · €871k
2018: €1.03M
2019: €946k
2020: €900k
2021: €876k
2022: €852k
2023: €843k
2024: €871k
2018 → 2025
Net result
€31k▲ 29.7%
2024 · €24k
2018: €-25k
2019: €-22k
2020: €-12k
2021: €8k
2022: €35k
2023: €10k
2024: €24k
2018 → 2025
Working capital
€402k▲ 10.1%
2024 · €365k
2018: €168k
2019: €135k
2020: €156k
2021: €174k
2022: €224k
2023: €300k
2024: €365k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€667k-€702k▲ 5.2%€712k▲ 1.4%€736k▲ 3.4%€767k▲ 4.3%
Operating result€13k-€39k▲ 188%€15k▼ 60.5%€45k▲ 196%€38k▼ 16.2%
Net result€8k-€35k▲ 335%€10k▼ 71.1%€24k▲ 139%€31k▲ 29.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €875k
Fixed assets
€443k▼ 8.4%
Current assets
€432k▲ 11.5%
Equity and liabilities €875k
Equity
€767k▲ 4.3%
Provisions
€28k▲ 9.1%
Debt
€80k▼ 27.2%
The debt ratio falls from 12.6% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▼
2024 · €87k
Cash flow
€72k▲
2024 · €66k
Solvency
87.7%▲
2024 · 84.5%
Current ratio
14.44▼
2024 · 17.50
Quick ratio
14.44▼
2024 · 17.50
Debt / equity
0.10▼
2024 · 0.15
ROE
4.1%▲
2024 · 3.3%
ROA
3.6%▲
2024 · 2.8%
Interest coverage
266.82▲
2024 · 6.16
Debt
€80k▼
2024 · €110k
Debt ≤ 1 year
€30k▲
2024 · €22k
Debt > 1 year
€50k▼
2024 · €87k
Income taxes
€12k▼
2024 · €15k
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€871k€875k▲
Fixed assets21/28€484k€443k▼
Tangible fixed assets22/27€484k€443k▼
Land and buildings22€483k€443k▼
Plant, machinery and equipment23€376€33▼
Furniture and vehicles24€564€0▼
Financial fixed assets28-€125
Current assets29/58€387k€432k▲
Amounts receivable within one year40/41€72k€78k▲
Trade receivables40€11k€2k▼
Other amounts receivable41€61k€76k▲
Current investments50/53€7k€7k▲
Cash at bank and in hand54/58€300k€337k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€871k€875k▲
Equity10/15€736k€767k▲
Contributions10/11€616k€616k=
Capital10€616k€616k=
Issued capital100€616k€616k=
Reserves13€23k€22k▼
Non-distributable reserves130/1€4k€5k▲
Legal reserve130€4k€5k▲
Tax-exempt reserves132€19k€17k▼
Profit (loss) carried forward14€97k€129k▲
Provisions and deferred taxes16€25k€28k▲
Provisions for liabilities and charges160/5€15k€18k▲
Other liabilities and charges164/5€15k€18k▲
Deferred taxes168€10k€9k▼
Amounts payable17/49€110k€80k▼
Amounts payable after more than one year17€87k€50k▼
Other amounts payable178/9€87k€50k▼
Amounts payable within one year42/48€22k€30k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Advances received on contracts in progress46€975-
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€19k€26k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€41k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k-
Provisions for liabilities and charges: additions (uses and reversals)635/8-€3k
Other operating charges640/8€18k€19k▲
Gross operating margin9900€104k€101k▼
Operating profit (loss)9901€45k€38k▼
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€14k€296▼
Recurring financial charges65€14k€296▼
Profit (loss) for the period before taxes9903€38k€42k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€24k€31k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€26k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€131k▲
Profit (loss) brought forward from the previous period14P€73k€97k▲
Transfer to equity691/2€1k€2k▲
To the legal reserve6920€1k€2k▲
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
02-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge11 facts ▸
- General meeting, 2026-08-24
- Director resignation, Madeleine Bartz (administrateur)
- Director resignation, Jean Laurent (administrateur)
- Director discharge, Madeleine Bartz
- Director discharge, Jean Laurent
- Director appointment, Gemap (administrateur unique)
- Permanent representative, Gérald SAINT-REMY
- Mandate compensation, Gemap
- Registered-office move, avenue Louise, 54, 1050 Bruxelles
- Purpose change, La construction, le développement et la gestion du patrimoine immobilier; ... la construction, le développement et la gestion d'un patrimoine mobilier ; ... fai…
- Statutes amendment
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 18.52
Current ratio from 5.24 to 18.52; short-term debt falls from €53k to €17k.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €35k ▲335%
Net result €35k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
GEMAP
CurrentAdministrateur unique · since 24-08-2026 · Private limited company · perm. rep.: Gérald SAINT-REMY
24-08-2026
GEMAP: Appointed as Administrateur unique
24-08-2026
Jean Laurent: Resigned as Director
24-08-2026
Madeleine Bartz: Resigned as Director
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 1992
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.
Chemin de La Vallière 487000 MonsGround area
445 m²
Building footprint
75 m²
Volume, LiDAR
675 m³
Parcel 53053D0210/00M003, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de La Vallière 48, 7000 Mons
since 19922.058.426.607
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0210/00M003 | Wallonia | 445 m² | 1 · 75 m² | 10.8 m · 3 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared corporate director
→
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-07-1992
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress 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.