Turnover
≈ €220,000 estimated
The micro format states no turnover.
J&A construct
Overview
Lifetime
2 annual accounts with figures on one time axispeak €47,499 (2024)
€30,912▼ 34.9%
peak €25,586 (2024)
€17,127▼ 33.1%
peak €45,713 (2025)
€45,713▲ 59.9%
€17,319▼ 31.2%
Board1 name since 2023
1 director
Documentsfilings and deeds
14-07-202617 days before the deadline
2025micro format
Gross margin from €47,499 to €30,912Result from €25,586 to €17,127Equity from €28,586 to €45,713Debts from €25,156 to €17,319Cash from €4,075 to €10,384
Key points
from the 2025 annual accountsLiquidity
1.94 was 0.97 in 2024
Short-term debts fell from €22,606 to €17,319.
Position in the sector
72.5%
Higher solvency than 81% of companies in construction of buildings. Sector median 42.9% · 9,471 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as J&A construct has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,448 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 39,278 companies, not a prediction for J&A construct. 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 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803342716
Incorporation
Founding capital of €3,000, 100 shares · Founder: · Appointment: (director) · published on 03-07-2023 · Gazette deed
First establishment
Roesbeke 9, Ninove
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J&A construct Ninove | €63,031 | €30,912 | 72.5% | - |
| De Glinster Company Ghent | €60,354 | €31,489 | 61.2% | - |
| NVAIR Ghent | €71,329 | €29,370 | 80.9% | - |
| Algemene Bouwwerken Nils De Wilde Wichelen | €70,415 | €32,255 | 38.5% | - |
| BOUW EN AFWERKING Aalst | €57,147 | €27,642 | 25.9% | - |
| Emkerk Lievegem | €78,371 | €31,710 | 67.6% | - |
| COO. Ghent | €67,047 | €24,607 | 45.4% | - |
These companies have the same main activity as J&A construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €57,100 and €78,400, founded in 2023.
Official details
Source: KBO- Status
- Active since 29-06-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.347.736.7289402 Ninove, since 29-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 19-01-2026
Annual accounts 2025
- €30,912▼ 34.9%
- €17,127▼ 33.1%
- €45,713▲ 59.9%
- €63,031▲ 17.3%
- Filing
- Filed on 14-07-2026, 17 days before the end of the filing period
Insights on J&A construct
The 2025 annual accounts show equity of €45,713 and a net result of €17,127. Its solvency ranks better than 81% of 9,471 sector peers (NACE 41, financial year 2025).
The company has been active since 2023 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 14-07-2026, 17 days before the deadline€30,912
▼ 34.9%
€26,067
▼ 30.3%
€17,127
▼ 33.1%
€16,284
▲ €16,906
72.5%
▲ 19.3 percentage points
1.94
▲ 0.97
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 ≈ €220,000. Estimated: probably between €120,000 and €390,000.
Balance sheet
balance sheet total €63,031 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
72.5%
Higher than 81% of 9,471 companies in 2025.
1.94
Higher than 57% of 9,219 companies in 2025.
27.2%
Higher than 82% of 9,291 companies in 2025.
J&A construct
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
63,031 | 53,742 | |
21/28 |
29,429 | 31,758 | |
22/27 |
29,400 | 31,730 | |
22 |
23,501 | 24,719 | |
23 |
4,380 | 6,378 | |
24 |
1,519 | 633 | |
28 |
28 | 28 | |
29/58 |
33,603 | 21,984 | |
40/41 |
13,795 | 5,787 | |
40 |
7,285 | 10 | |
41 |
6,510 | 5,777 | |
54/58 |
10,384 | 4,075 | |
490/1 |
9,423 | 12,122 | |
| Balance sheet: equity and liabilities | |||
10/49 |
63,031 | 53,742 | |
10/15 |
45,713 | 28,586 | |
10/11 |
3,000 | 3,000 | |
14 |
42,713 | 25,586 | |
17/49 |
17,319 | 25,156 | |
42/48 |
17,319 | 22,606 | |
44 |
6,016 | 2,998 | |
440/4 |
6,016 | 2,998 | |
45 |
11,303 | 8,472 | |
450/3 |
11,303 | 6,472 | |
454/9 |
- | 2,000 | |
47/48 |
- | 11,136 | |
492/3 |
- | 2,550 | |
| Income statement | |||
9900 |
30,912 | 47,499 | |
630 |
3,587 | 7,116 | |
640/8 |
1,258 | 2,979 | |
9901 |
26,067 | 37,403 | |
75/76B |
- | 42 | |
75 |
- | 42 | |
65/66B |
4,340 | 5,459 | |
65 |
4,340 | 5,459 | |
9903 |
21,727 | 31,986 | |
67/77 |
4,600 | 6,400 | |
9904 |
17,127 | 25,586 | |
9905 |
17,127 | 25,586 | |
| Appropriation of the result | |||
9906 |
42,713 | 25,586 | |
14P |
25,586 | - | |
| Document | |||
The notes to these accounts have 6 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 14-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 29,654 | 44,520 | ||
| 20,714 | 32,703 | ||
| 1,258 | 38,874 | ||
| 6,309 | - | ||
| 16,284 | -622 | ||
| 72.5% | 53.2% | ||
| 1.94 | 0.97 | ||
| 0.38 | 0.88 | ||
| 37.5% | 89.5% | ||
| 27.2% | 47.6% | ||
| 6.83 | 8.16 |
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.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €1,258 | €38,846 |
| Financial fixed assets | - | €28 |
| €3,587 | €7,116 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on J&A construct
The operating result for 2025 is 30% lower than in 2024.
Debt's share of the balance-sheet total falls from 46.8% to 27.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 03-07-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 14-07-2026
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 03-07-2023, still in office
Control
Founder
This company
J&A construct
Equity €45,713
Profit €17,127 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €457 in 2025
- Source
- deed of 03-07-2023
Articles of association
deed of 03-07-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Saturday of May at 11:00
- 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 03-07-2023 ↗
- 100 shares (100%)
Network & group
No group
J&A construct has no parent and no holdings in its annual accounts. is the only director. J&A construct shares no director with another company.
At the same address
Roesbeke 9, 9402 Ninove · 2 other companies| VDDconstruct
registered office since 29-06-2023 · founded in 2023 |
total assets €270,107 (2025) 0803.341.924 |
| Puha, Constantin (sole trader)
establishment since 23-04-2012 |
founded in 2012 0845.510.891 |
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 17 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0803342716
2025
Annual accounts 2024 filed PDFmicro format · 1 day before the deadline
2023
IncorporationFounding capital of €3,000, 100 shares · Founder: · Appointment: (director) · published on 03-07-20238 points ▸
- Founder,
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, Roesbeke 9, 9402 Ninove
- Board rule, 1
- Director appointment, (director (not named in the articles))
- Power of attorney,
- Power of attorney,
- The deed holds 4 more points.
First establishment Roesbeke 9, Ninove
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0803.342.716
- VAT number
- BE 0803.342.716
- Peppol ID
- 0208:0803342716
- Other Peppol ID
- 9925:BE0803342716
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-06-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Saturday of May at 11:00deed of 03-07-2023 (in Dutch)
- Peppol
- Reachable since 19-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- J&A construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 03-07-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 03-07-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43320
Joinery installation
43422
Screed work
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43211
Specialised construction activities
43320
Joinery installation
43333
Wallpapering and laying of floor and wall coverings in other materials
43996
Specialised construction activities
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het aannemen, zo privaat als openbaar, zo geheel als gedeeltelijk, zo voor eigen rekening als voor rekening van derden, van algemene…”deed of 03-07-2023 (in Dutch)
14 activities
- Het aannemen, zo privaat als openbaar, zo geheel als gedeeltelijk, zo voor eigen rekening als voor rekening van derden, van algemene bouwwerken van welke aard ook, ruwbouw en onder dak zetten, metsel- en betonwerken, grondwerken, slopingswerken, dakwerken, lood- en zinkwerken, tegel- en voegwerken, muur- en vloerbedekkingen, alsmede het verhandelen van “sleutel op de deur”, alsook de aankoop, de in en uitvoer, de distributie en de verkoop, hetzij rechtstreeks, hetzij als tussenpersoon van bouwmaterialen, en bouwproducten, bijhorigheden en nevenproducten het voorgaand betreffend, alsmede het presteren van alle mogelijke diensten die kunnen verband houden met wat voorafgaat, alles in de ruimste zin van het woord.
- Bouw van autowegen, straten en andere wegen en paden voor voertuigen en voetgangers;
- Onderneming voor het boren en aanleggen van waterputten, graven van mijnschachten;
- Bouwrijp maken van terreinen;
- Ruimen van bouwterreinen;
- Aanbrengen in gebouwen en andere bouwwerken van:
- Thermische isolatiemateriaal
- Isolatiemateriaal tegen geluid en trillingen;
- Overige installaties (inclusief accessoires);
- Algemene bouwinstallatie;
- Overige werkzaamheden in verband met de afwerking van gebouwen;
- Onderneming voor het uitvoeren van voegwerken;
- Onderneming voor het bouwen van funderingen, inclusief heien;
- Aanleggen en onderhouden van tuinen, parken en het groene gedeelte van sportvelden.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Roesbeke 9 registered office 9402 Ninove | 29-06-2023 | 2.347.736.728 |
Buildings and parcels at the address
- Ground area
- 1,949 m²
- Buildings
- 101 m²
- Volume, LiDAR
- 589 m³
- Tallest building
- 7.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 41038B0155/00S000 | 1,949 m² | 1 · 101 m² | 7.8 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0803.342.716