Equity
-€270
Debts exceed assets in financial year 2025.
J Construct
Lifetime
1 annual account with figurespeak €841 (2025)
€841
lowest -€1,270 (2025)
-€1,270
peak -€270 (2025)
-€270
€13,008
Board1 name since 2025
1 directorFIGUEIRA DE CARVALHO José
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Loss of €1,270Incorporation 15-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€13,008 102% of the balance sheet
Suppliers 30%Taxes and wages 15%Other 55%
Position in the sector
-2.1%
Lower solvency than 90% of companies in specialised construction. Sector median 46.7% · 35,136 companies.
Checked score
53
Fair
Financially stronger than 21% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.9%
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 2.0%▲ +0.1 percentage points vs 03-2026
05-2026: 2.4%▲ +0.4 percentage points vs 04-2026
06-2026: 2.4%● unchanged vs 05-2026
07-2026: 2.7%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 0.9%▼ -1.8 percentage points vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026lowest value
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€270
Founded in 2025
lowers risk
Liquidity: current ratio 0.98, cash €9,095
Size: total assets €12,738
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 8% of them on solvency, 43% on liquidity and 12% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 232 companies had the same profile as J Construct has now. Each dot is one company, two years later.
96.1%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
That fits the bankruptcy probability of J Construct itself: 0.9% within 12 months.
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 232 companies, not a prediction for J 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.98, below 1. Short-term debt is 102.1% and cash 71.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018658861
Incorporation
Founding capital of €1,000, 1,000 shares · Founder: FIGUEIRA DE CARVALHO José · Appointment: FIGUEIRA DE CARVALHO José (director) · published on 15-01-2025 · Gazette deed
First establishment
Marie-Henriettelaan 15, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J Construct Dilbeek | - | - | -2.1% | - |
| J-M PLAFONNAGE Grimbergen | - | - | -25.8% | - |
| MAGIC INVEST Asse | - | - | 17.9% | - |
| ARNAUTU CONSTRUCT Tienen | €170,873 | -5.8% | -55.3% | - |
| G300 Gideon's Construct Kraainem | - | - | 49.7% | - |
| MJS RENOV Kraainem | €8,264 | 3.1% | 5.5% | - |
| IMPAIR SOLUTION Brussels | - | - | -16.7% | - |
These companies have the same main activity as J Construct: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €11,800 and €15,800, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 13-01-2025Normal situation
- Activity
- Other specialised construction activitiesNACE 43990
- Establishment unit
- 2.371.428.5811700 Dilbeek, since 13-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Annual accounts 2025
- ≈ €11,000estimated
- €12,738
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on J Construct
J Construct has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€270) and a net result of -€1,270.
Its solvency ranks better than 9% of 35,136 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about J Construct
- What is the company number of J Construct?
- The company number of J Construct is 1018.658.861. The VAT number is the same number with BE in front: BE 1018.658.861.
- Where is J Construct based?
- The registered office is at Marie-Henriettelaan 15, 1700 Dilbeek.Company details
- What does J Construct do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of J Construct?
- J Construct is a private limited company (BV).
- When was J Construct founded?
- J Construct was founded on 13-01-2025.
- Is J Construct still active?
- Yes, J Construct is an active enterprise in the KBO register.
- What is the turnover of J Construct?
- The turnover in financial year 2025 is ≈ €11,000. This figure is estimated from the gross margin of €841 and 201 comparable companies (NACE 43990). It probably lies between €6,100 and €21,000. It is a rough estimate.Financials
- Is J Construct profitable?
- In financial year 2025, J Construct made a loss of €1,270.
- Where can I find the annual accounts of J Construct?
- J Construct filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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