J&B Constructions
ActiveSummary
J&B Constructions has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €8k. Equity is growing by ~64.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 1208 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▼-32
Solvency59▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.17 in 2024; short-term debt: 65.9% of total assets), and 65.9% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
34.1%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 10 filingsDeviation from the deadline
2025
13 d late
2024
20 d late
2023
26 d late
2022
19 d early
2021
25 d late
2020
31 d late
2019
117 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Equity
€91k▲ 9.2%
2024 · €83k
Total assets
€266k▼ 30.8%
2024 · €384k
Net result
€8k▼ 29.2%
2024 · €11k
Working capital
€60k▲ 16.8%
2024 · €52k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10k▲ 291%€28k▲ 168%€69k▲ 151%€11k▼ 83.7%€16k▲ 41.3%
Net result€3k▼ 32.2%€25k▲ 735%€38k▲ 52.7%€11k▼ 71.6%€8k▼ 29.2%
Equity€9k▲ 45.7%€34k▲ 262%€72k▲ 111%€83k▲ 14.9%€91k▲ 9.2%
Total assets€56k▼ 11.3%€73k▲ 29.5%€324k▲ 342%€384k▲ 18.8%€266k▼ 30.8%
Debt€47k▼ 17.8%€39k▼ 17.5%€251k▲ 548%€301k▲ 19.9%€175k▼ 41.8%
Working capital€6k▲ 507%€33k▲ 472%€70k▲ 109%€52k▼ 25.8%€60k▲ 16.8%
Staff (FTE)22=1.6▼ 20.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €266k
Fixed assets
€30k ▼ 3.3%
Current assets
€236k ▼ 33.2%
Equity and liabilities €266k
Equity
€91k ▲ 9.2%
Debt
€175k ▼ 41.8%
Debt's share of the balance-sheet total falls from 78.4% to 65.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €13k
Cash flow
€9k▼
2024 · €12k
Current ratio
1.34▲
2024 · 1.17
Debt to equity
1.93▼
2024 · 3.62
ROE
8.4%▼
2024 · 13.0%
ROA
2.9%▲
2024 · 2.8%
Interest coverage
2.09▼
2024 · 8.51
Debt ≤ 1 year
€175k▼
2024 · €301k
Income taxes
€6k▲
2024 · €5k
Staff costs
€96k▼
2024 · €110k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €742 | - | - | - | - |
| Remuneration, social security and pensions62 | €-146 | €9k | €61k | €110k | €96k | ▼ 12.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €2k | €683 | €1k | €2k | ▲ 17.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €22k | - |
| Other operating charges640/8 | €6k | €14k | €617 | €330 | €7k | ▲ 1,920% |
| Non-recurring operating charges66A | - | €369 | - | - | - | - |
| Gross operating margin9900 | €19k | €54k | €132k | €123k | €143k | ▲ 15.7% |
| Operating profit (loss)9901 | €10k | €28k | €69k | €11k | €16k | ▲ 41.3% |
| Financial income75/76B | €0 | €1k | €3k | €6k | €6k | ▲ 1.7% |
| Recurring financial income75 | €0 | €1k | €3k | €6k | €6k | ▲ 1.7% |
| Financial charges65/66B | €358 | €546 | €3k | €1k | €8k | ▲ 465% |
| Recurring financial charges65 | €358 | €546 | €3k | €1k | €8k | ▲ 465% |
| Profit (loss) for the period before taxes9903 | €10k | €28k | €69k | €15k | €13k | ▼ 14.0% |
| Income taxes67/77 | €7k | €4k | €31k | €5k | €6k | ▲ 21.1% |
| Profit (loss) for the period9904 | €3k | €25k | €38k | €11k | €8k | ▼ 29.2% |
| Profit (loss) for the period to be appropriated9905 | €3k | €25k | €38k | €11k | €8k | ▼ 29.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €56k | €73k | €324k | €384k | €266k | ▼ 30.8% |
| Fixed assets21/28 | €4k | €1k | €3k | €31k | €30k | ▼ 3.3% |
| Tangible fixed assets22/27 | €4k | €930 | €3k | €5k | €4k | ▼ 21.5% |
| Plant, machinery and equipment23 | €209 | - | €2k | €5k | €4k | ▼ 21.5% |
| Furniture and vehicles24 | €3k | €930 | €285 | €0 | - | - |
| Financial fixed assets28 | €150 | €150 | - | €27k | €27k | = |
| Current assets29/58 | €53k | €72k | €321k | €353k | €236k | ▼ 33.2% |
| Amounts receivable within one year40/41 | €39k | €60k | €310k | €349k | €228k | ▼ 34.6% |
| Trade receivables40 | €35k | €46k | €203k | €183k | €44k | ▼ 76.2% |
| Other amounts receivable41 | €4k | €15k | €107k | €166k | €185k | ▲ 11.4% |
| Cash at bank and in hand54/58 | €3k | €11k | €7k | €0 | - | - |
| Deferred charges and accrued income490/1 | €12k | €681 | €4k | €4k | €7k | ▲ 94.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €56k | €73k | €324k | €384k | €266k | ▼ 30.8% |
| Equity10/15 | €9k | €34k | €72k | €83k | €91k | ▲ 9.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | - | €16k | €16k | €16k | €16k | = |
| Distributable reserves133 | - | €16k | €16k | €16k | €16k | = |
| Profit (loss) carried forward14 | €-9k | - | €38k | €49k | €56k | ▲ 15.6% |
| Amounts payable17/49 | €47k | €39k | €251k | €301k | €175k | ▼ 41.8% |
| Amounts payable within one year42/48 | €47k | €39k | €251k | €301k | €175k | ▼ 41.8% |
| Financial debts43 | - | - | - | €40k | €22k | ▼ 46.2% |
| Credit institutions430/8 | - | - | - | €40k | €22k | ▼ 46.2% |
| Trade debts44 | €37k | €32k | €217k | €215k | €131k | ▼ 39.3% |
| Suppliers440/4 | €37k | €32k | €217k | €215k | €131k | ▼ 39.3% |
| Taxes, remuneration and social security45 | €8k | €7k | €33k | €42k | €17k | ▼ 59.3% |
| Taxes450/3 | €7k | €4k | €25k | €24k | €8k | ▼ 65.6% |
| Remuneration and social security454/9 | €852 | €3k | €8k | €18k | €9k | ▼ 51.1% |
| Other amounts payable47/48 | €2k | €62 | €2k | €3k | €6k | ▲ 81.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €25k | €38k | €11k | €8k | ▼ 29.2% |
| + Depreciation and write-downs630 | €3k | €2k | €683 | €1k | €2k | ▲ 17.8% |
| Operating cash flow (approximation) | €6k | €27k | €39k | €12k | €9k | ▼ 23.9% |
| Investment in fixed assets (approximation) | - | €700 | €-2k | €-30k | €-583 | ▲ 98.1% |
| Change in cash | - | €8k | €-4k | €-7k | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €38k ▲52.7%
Operating result €69k, net result €38k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €3k ▼32.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Scherpenheuvel-Zichem · 1 establishment unit since 2015
Ground area
885 m²
Building footprint
125 m²
Volume, LiDAR
667 m³
Parcel 24129B0396/00L000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
J&B Constructions
since 20152.244.078.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129B0396/00L000 | Flanders | 885 m² | 1 · 125 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,260 EUR awarded · 1,260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,260 EUR | 1,260 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
5 endedMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 21,222 companies in sector 81300 we hold annual accounts for 4,363. 3,631 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
81300Landscape service activities
42211Civil engineering
42220Construction of utility projects for electricity and telecommunications
43211General electrical installation work
43230Insulation installation
43350Other building finishing work
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
81220Other building cleaning and industrial cleaning
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.