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J.B. CONSTRUCT

Active
Private limited companyfounded 20205 yrs activeVossemberg 23, 3080 Tervuren, BelgiumKBO/BCE: BE 0757.461.518
Summary

The computed 12-month bankruptcy probability of J.B. CONSTRUCT is 2.9% (moderate). The 2025 annual accounts show equity of €67,517 and a net result of €32,453. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 2712 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
J.B. CONSTRUCTActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
General construction of other non-residential buildings
NACE 41003NACE 41203
1 site
Size
€138,427total assets 2025
Equity
€67,517
Profit
€32,453
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
2.9%
Structure
Accounts filed 53 d late1 of 3 deeds read
Why 52- Latest accounts 53 days late; 2 of the last 3 late- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €138,427- Founded in 2020Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 67% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 74+14
equity 48.8% of total assets
Liquidity 44+12
short-term debt 47.3% · cash 13.7%
Profitability 98+25
return on assets 23.4%
Bankruptcy probability, 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)
Last 24 months 11-2024: 9.2% 12-2024: 10.3%▲ +11.7% vs 11-2024 01-2025: 13.0%▲ +26.6% vs 12-2024 02-2025: 13.0%● 0.0% vs 01-2025 03-2025: 13.2%▲ +1.0% vs 02-2025 04-2025: 12.4%▼ -6.2% vs 03-2025 05-2025: 12.4%● 0.0% vs 04-2025 06-2025: 12.2%▼ -1.4% vs 05-2025 07-2025: 12.2%● 0.0% vs 06-2025 08-2025: 14.3%▲ +17.5% vs 07-2025highest value 09-2025: 4.3%▼ -70.1% vs 08-2025 10-2025: 4.3%▲ +0.4% vs 09-2025 11-2025: 4.3%▼ -0.1% vs 10-2025 12-2025: 4.3%● 0.0% vs 11-2025 01-2026: 4.2%▼ -2.1% vs 12-2025 02-2026: 4.0%▼ -5.5% vs 01-2026 03-2026: 3.9%▼ -1.1% vs 02-2026 04-2026: 4.0%▲ +1.3% vs 03-2026 05-2026: 4.0%▲ +0.1% vs 04-2026 06-2026: 3.9%▼ -0.9% vs 05-2026 07-2026: 3.9%▼ -0.6% vs 06-2026 08-2026: 4.6%▲ +17.4% vs 07-2026 09-2026: 4.7%▲ +1.2% vs 08-2026 10-2026: 2.9%▼ -36.7% vs 09-2026lowest value
  • Latest accounts 53 days late; 2 of the last 3 late raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Size: total assets €138,427 raises the probability for this profile
  • Founded in 2020 raises the probability for this profile
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.53 in 2024; short-term debt: 47.3% and cash: 13.7% of total assets), but 51.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 57%, liquidity 42%, profitability 81%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Latest accounts 53 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: total assets €138,427
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Founded in 2020
In the bankruptcy model this factor raises the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 5 filings
Deviation from the deadline
2025
53 d late
2024
21 d late
2023
387 d late
2022
256 d late
2021
152 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 174 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 30 December (4 of the last 5 filed years within 131 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Resignation: Rosa dos Anjos Bastos Vanea…State Gazette act
  3. Highest result since 2021net €32,453 ▲888%

Key points

  • A director leftlatest change 09-02-2026 · 0 in office 1 left View
  • Total assets 20255 fiscal years filed €138,427 View
  • Active since 2020founded 26-10-2020 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€138,427
Profit
€32,453
Solvency
48.8%
Total assets▲ 39.3%
Net result
20212025
Go to Financials

Timeline

Events
9
Since
2022
Next accounts
by 31-07-2027
  1. 22-09-2026Annual accounts filed
  2. 28-05-2026Resignation: Rosa dos Anjos Bastos Vanea (director)
  3. 31-12-2025Highest result since 2021
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of other non-residential buildingsNACE 41003
Founded
26-10-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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