J Construct
ActiveSummary
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 34,747 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Overview
- Equity
- -€270
- Loss
- -€1,270
Why 53raises riskCapped at 59: negative equityNegative equity -€270Founded in 2025lowers riskLiquidity: current ratio 0.98, cash €9,095Size: total assets €12,738Show the evidence
Checked score
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 8% on solvency, 43% on liquidity and 12% on profitability.
The bankruptcy probability was computed on 28-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: FIGUEIRA DE CARVALHO José…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Peer companies
Historical observationOf the 232 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96.1% are still going.
- Micro
- under 2 years old
- negative equity
- a small loss
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 232 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €186 |
| Gross operating margin9900 | €841 |
| Operating profit (loss)9901 | €655 |
| Financial charges65/66B | €16 |
| Recurring financial charges65 | €16 |
| Profit (loss) for the period before taxes9903 | €639 |
| Income taxes67/77 | €1,909 |
| Profit (loss) for the period9904 | -€1,270 |
| Profit (loss) for the period to be appropriated9905 | -€1,270 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €12,738 | |
| Current assets29/58 | €12,738 | |
| Amounts receivable within one year40/41 | €3,643 | |
| Trade receivables40 | €3,353 | |
| Other amounts receivable41 | €290 | |
| Cash at bank and in hand54/58 | €9,095 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €12,738 | |
| Equity10/15 | -€270 | |
| Contributions10/11 | €1,000 | |
| Profit (loss) carried forward14 | -€1,270 | |
| Amounts payable17/49 | €13,008 | |
| Amounts payable within one year42/48 | €13,008 | |
| Trade debts44 | €3,965 | |
| Suppliers440/4 | €3,965 | |
| Taxes, remuneration and social security45 | €1,909 | |
| Taxes450/3 | €1,909 | |
| Other amounts payable47/48 | €7,134 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€1,270 |
| Operating cash flow (approximation) | -€1,270 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 24-07-2026 | 2026-00327102 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| FIGUEIRA DE CARVALHO José |
|
Owners and capital
Capital and shareholders
- FIGUEIRA DE CARVALHO José 1,000 shares (100%) · €1,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 15-01-2025 Incorporation · €1,000 · 1,000 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
15-01
Gazette deed
IncorporationAppointment: FIGUEIRA DE CARVALHO José (director) · Founder · Founding capital13 facts ▸
- Incorporation, 10-01-2025
- Founder, FIGUEIRA DE CARVALHO José
- Founding capital, €1,000
- Other provision, “financieel plan, ten minste twee jaar” (deed in Dutch)
- Other provision, “aansprakelijkheid oprichter bij faillissement binnen drie jaar indien aanvangsvermogen kennelijk ontoereikend, faillissement binnen drie jaar na oprichting” (deed in Dutch)
- Other provision, “naleving artikels 5:3,5:5 en 5:8 WVV, toereikendheid eigen vermogen in licht voorgestelde activiteiten” (deed in Dutch)
- Other provision, “vaststelling statuten en overgangsbepalingen” (deed in Dutch)
- Kind of shares, 1000, “gelijk deel in winst en vereffeningoverschot” (deed in Dutch)
- Director appointment, FIGUEIRA DE CARVALHO José (director)
- Pre-incorporation commitments, “takeover, alle gestelde verbintenissen genomen door oprichter in haar naam binnen door Wetboek voorziene termijnen” (deed in Dutch)
- Other provision, “comparant, uitvoering voorwerp” (deed in Dutch)
- Other provision, “neerlegging oprichtingsakte en rechtspersoonlijkheid, zo spoedig mogelijk” (deed in Dutch)
- +1 further fact in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 1018.658.861
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23016D0239/00C008 | Flanders | 260 m² | 1 · 76 m² | 11.1 m · 3 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- J Construct
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, 1700 Dilbeek,Marie Henriettelaan 15” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 13 : Vertegenwoordiging van de vennootschap De (iedere) bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als…”
- Board ruleHow the board is made up, meets and takes decisions.
- “1, één(of meerdere)bestuurder(s)” (deed in Dutch)“1” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Helft overdrager en helft koper(s) naar evenredigheid verworven aantal, elke overdracht onder levenden ten bezwarende of kosteloze…” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “Op naam, register van aandelen op naam op zetel” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Thursday of May at 17:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- One provision in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed