Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for L.&J. CONSTRUCT according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €16k and a net result of €10k.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events05-03-2026
Bankruptcy
Opening
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3129 sector peers (2023).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€10k+3.0%
Working capital€5k+491.0%
Directors1
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 02-10-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.9% | 37.6% | |
| Net result | €10k | €9k | |
| Equity | €16k | €25k | |
| Gross operating margin | €76k | €27k | |
| Staff costs | €41k | €19k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P23
Stable position over 2020-2023
· n=441-3129
P52
Improving position over 2020-2023
· n=438-3122
P37
Improving position over 2020-2023
· n=443-3134
P81
Improving position over 2020-2023
· n=439-3116
Describes the position versus peers, not a forecast.
€19k
+26.9%
far above sector median
€10k
+3.0%
far above sector median
€12k
-2.1%
far above sector median
€113k
+57.1%
-33% vs sector
€16k
+187.2%
-84% vs sector
€5k
+491.0%
-94% vs sector
3
-6.7%
-42% vs sector
€41k
-4.5%
≈ vs sector
€5k
+674.3%
far above sector median
€98k
+46.4%
+81% vs sector
€96k
+47.5%
+78% vs sector
€2k
0.0%
18-23
1.05
+3.6%
-52% vs sector
0.31
-45.4%
-86% vs sector
13.9%
+82.8%
-74% vs sector
6.21
-49.0%
far above sector median
65.2%
-64.1%
far above sector median
9.0%
-34.4%
far above sector median
9.72
+25.3%
far above sector median
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Revenue | - |
| EBITDA | €19k |
| Net profit | €10k |
| Cash flow | €12k |
| Staff costs | €41k |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €113k |
| Equity | €16k |
| Debt | €98k |
| of which ≤ 1y | €96k |
| of which > 1y | €2k |
| Working capital | €5k |
| Employees (FTE) | 2.8 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.05 |
| Quick ratio | 0.31 |
| Working capital ratio | 4.1% |
| Solvency | 13.9% |
| Debt / equity | 6.21 |
| Long-term debt ratio | 0.10 |
| Interest coverage | 9.72 |
| Gross margin | - |
| Net margin | - |
| ROA | 9.0% |
| ROE | 65.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €113k |
| Fixed assets | 21/28 | €13k |
| Tangible fixed assets | 22/27 | €13k |
| Current assets | 29/58 | €101k |
| Stocks & contracts in progress | 3 | €71k |
| Amounts receivable within one year | 40/41 | €10k |
| Cash & bank | 54/58 | €7k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €113k |
| Equity | 10/15 | €16k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €14k |
| Accumulated profits (losses) | 14 | €-17k |
| Amounts payable | 17/49 | €98k |
| Amounts payable after one year | 17 | €2k |
| Amounts payable within one year | 42/48 | €96k |
| Trade debts payable within one year | 44 | €69k |
| Income statement | ||
| Gross operating margin | 9900 | €76k |
| Operating result | 9901 | €17k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €15k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €10k |
| Result to be appropriated | 9905 | €10k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed6
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
No directors on record
No directors or mandates are on record for this company in the CBE. Not every legal form publishes directors; if they appear in the Belgian State Gazette later, they show up here automatically.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | ALEXIS COLMANT RUE DU ONZE NOVEMBRE, 9,
7000 MONS- .
Date provisoire de cessation de paiement : 23/02/2026 |
23-02-2026 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 30-09-2015 |
| Status | Active |
| Postal code | - |
| First BS signal | 05-03-2026 |
| Latest BS signal | 05-03-2026 |
Structure & network
Company structure: linked entities
1 linked entityMandates
↔
1
of these mandate-holders are active on other cases, click any red card to open that KBO.
Locations & real estate
Establishment units
1 locationL.&J. CONSTRUCT
since 20152.245.938.988
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area676 m²
Buildings1
Building footprint326 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53008B0087/00G002 | Wallonia | 676 m² | 1 · 326 m² | - |
Methodology
via establishment units: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette05-03-2026
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 10 months ago
2025
08-10-2025 Bertozzi Dino appointed as director
- Bertozzi Dino, Bestuurder
2024
15-01-2024 Discharge granted to the board
Notary:
Fabrice DE VISCH · Hensies-ex-Thulin
Analysis
Snowflake analysis
financial profile on 5 axes37
/ 100
Fragile profile, watch stability in particular.
All 5 axes are computed from data Checked has read.
Health
6
Profitability
100
Solvency
22
Growth
58
Stability
0
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
| Legal nameFR | L.&J. CONSTRUCT |
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.