J. Deraedt
ActiveSummary
The computed 12-month bankruptcy probability of J. Deraedt is 2.2% (moderate). The 2025 annual accounts show equity of €133,914 and a net result of €44,710. Equity is growing by ~47.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 28254 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+1
Solvency75▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.68 against 1.8 in 2024; short-term debt: 21.8% and cash: 5.4% of total assets), and 49.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
50.4%
Return on assets
16.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
12 d early
2023
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
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 What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€133,914▲ 50.1%
2024 · €89,204
Total assets
€265,710▲ 8.4%
2024 · €245,147
Net result
€44,710▲ 11.2%
2024 · €40,204
Working capital
€97,376▲ 107%
2024 · €47,091
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€53,106-€58,465▲ 10.1%€65,311▲ 11.7%
Net result€39,000above the sector's middle half-€40,204above the sector's middle half▲ 3.1%€44,710above the sector's middle half▲ 11.2%
Equity€49,000within the sector's middle half-€89,204within the sector's middle half▲ 82.0%€133,914within the sector's middle half▲ 50.1%
Total assets€175,047within the sector's middle half-€245,147within the sector's middle half▲ 40.0%€265,710within the sector's middle half▲ 8.4%
Debt€126,047-€155,943▲ 23.7%€131,796▼ 15.5%
Working capital€30,208within the sector's middle half-€47,091within the sector's middle half▲ 55.9%€97,376above the sector's middle half▲ 107%
Solvency28.0%within the sector's middle half-36.4%within the sector's middle half▲ 8.4pp50.4%within the sector's middle half▲ 14.0pp
Current ratio1.67within the sector's middle half-1.80within the sector's middle half▲ 0.132.68within the sector's middle half▲ 0.88
Return on assets (ROA)22.3%above the sector's middle half-16.4%within the sector's middle half▼ 5.9pp16.8%within the sector's middle half▲ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265,710
Fixed assets
€110,326 ▼ 20.6%
Current assets
€155,385 ▲ 46.3%
Equity and liabilities €265,710
Equity
€133,914 ▲ 50.1%
Debt
€131,796 ▼ 15.5%
Debt's share of the balance-sheet total falls from 63.6% to 49.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98,933▲
2024 · €85,206
Cash flow
€78,332▲
2024 · €66,944
Debt to equity
0.98▼
2024 · 1.75
ROE
33.4%▼
2024 · 45.1%
Interest coverage
17.23▲
2024 · 14.54
Debt ≤ 1 year
€58,009▼
2024 · €59,136
Debt > 1 year
€73,787▼
2024 · €96,807
Income taxes
€18,014▲
2024 · €15,989
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 39,276 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.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,016 | €26,740 | €33,622 | ▲ 25.7% |
| Other operating charges640/8 | €153 | €1,885 | €1,754 | ▼ 7.0% |
| Gross operating margin9900 | €54,274 | €87,091 | €100,686 | ▲ 15.6% |
| Operating profit (loss)9901 | €53,106 | €58,465 | €65,311 | ▲ 11.7% |
| Financial income75/76B | €2,199 | €3,587 | €3,154 | ▼ 12.1% |
| Recurring financial income75 | €2,199 | €3,587 | €3,154 | ▼ 12.1% |
| Financial charges65/66B | €299 | €5,859 | €5,740 | ▼ 2.0% |
| Recurring financial charges65 | €299 | €5,859 | €5,740 | ▼ 2.0% |
| Profit (loss) for the period before taxes9903 | €55,006 | €56,193 | €62,724 | ▲ 11.6% |
| Income taxes67/77 | €16,005 | €15,989 | €18,014 | ▲ 12.7% |
| Profit (loss) for the period9904 | €39,000 | €40,204 | €44,710 | ▲ 11.2% |
| Profit (loss) for the period to be appropriated9905 | €39,000 | €40,204 | €44,710 | ▲ 11.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €175,047 | €245,147 | €265,710 | ▲ 8.4% |
| Fixed assets21/28 | €99,732 | €138,921 | €110,326 | ▼ 20.6% |
| Tangible fixed assets22/27 | €99,732 | €138,921 | €110,326 | ▼ 20.6% |
| Plant, machinery and equipment23 | €1,395 | €5,660 | €5,890 | ▲ 4.1% |
| Furniture and vehicles24 | €2,241 | €56,564 | €47,140 | ▼ 16.7% |
| Leasing and similar rights25 | €96,096 | €76,696 | €57,296 | ▼ 25.3% |
| Current assets29/58 | €75,314 | €106,226 | €155,385 | ▲ 46.3% |
| Amounts receivable within one year40/41 | €48,807 | €82,544 | €139,211 | ▲ 68.7% |
| Trade receivables40 | €12,938 | €37,365 | €57,859 | ▲ 54.8% |
| Other amounts receivable41 | €35,869 | €45,180 | €81,353 | ▲ 80.1% |
| Cash at bank and in hand54/58 | €26,436 | €21,168 | €14,314 | ▼ 32.4% |
| Deferred charges and accrued income490/1 | €71 | €2,514 | €1,860 | ▼ 26.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €175,047 | €245,147 | €265,710 | ▲ 8.4% |
| Equity10/15 | €49,000 | €89,204 | €133,914 | ▲ 50.1% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €39,000 | €79,204 | €123,914 | ▲ 56.4% |
| Distributable reserves133 | €39,000 | €79,204 | €123,914 | ▲ 56.4% |
| Amounts payable17/49 | €126,047 | €155,943 | €131,796 | ▼ 15.5% |
| Amounts payable after more than one year17 | €80,940 | €96,807 | €73,787 | ▼ 23.8% |
| Financial debts170/4 | €80,940 | €96,807 | €73,787 | ▼ 23.8% |
| Amounts payable within one year42/48 | €45,106 | €59,136 | €58,009 | ▼ 1.9% |
| Current portion of amounts payable after more than one year42 | €11,359 | €22,131 | €23,020 | ▲ 4.0% |
| Trade debts44 | €9,776 | €18,266 | €8,720 | ▼ 52.3% |
| Suppliers440/4 | €9,776 | €18,266 | €8,720 | ▼ 52.3% |
| Taxes, remuneration and social security45 | €23,971 | €18,739 | €26,269 | ▲ 40.2% |
| Taxes450/3 | €16,005 | €15,989 | €18,019 | ▲ 12.7% |
| Remuneration and social security454/9 | €7,966 | €2,750 | €8,250 | ▲ 200% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,000 | €40,204 | €44,710 | ▲ 11.2% |
| + Depreciation and write-downs630 | €1,016 | €26,740 | €33,622 | ▲ 25.7% |
| Operating cash flow (approximation) | €40,016 | €66,944 | €78,332 | ▲ 17.0% |
| Investment in fixed assets (approximation) | - | -€65,929 | -€5,027 | ▲ 92.4% |
| Change in cash | - | -€5,268 | -€6,855 | ▼ 30.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €44,710 ▲11.2%
Operating result €65,311, net result €44,710, both a record.
30-09
Financial
Equity above €100,000Eq €133,914 ▲50.1%
3 profitable years in a row build equity to €133,914.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Spiere-Helkijn · 1 establishment unit since 2023
Ground area
1,130 m²
Building footprint
113 m²
Volume, LiDAR
682 m³
Parcel 34015B0290/00F000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
J. Deraedt
since 20232.342.133.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34015B0290/00F000 | Flanders | 1,130 m² | 1 · 113 m² | 9.2 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
2023 · 1 entry · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,500 EUR | 1,500 EUR |
Similar companies · same sector, comparable size
ZEPRO
BE 0687.744.549
Elsene · Eq €134,382
DECOP BETON
BE 1003.131.636
La Louvière · Eq €133,432
B.B.Betonboringen
BE 0795.102.961
Tessenderlo-Ham · Eq €134,974
De Boormeester
BE 1008.182.168
Arendonk · Eq €131,241
BOZATEC
BE 0474.627.136
Tessenderlo-Ham · Eq €136,800
Of 607 companies in sector 43130 we hold annual accounts for 302. 237 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
Founded03-02-2023
Fiscal year end30-09
Activities, NACEBEL 2025
43130Specialised construction activities
23610Manufacture of other non-metallic mineral products
43110Demolition
46190Agents in non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0797989504
Also
9925:BE0797989504
Registered
29-04-2024
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.