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J&F
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
J&F has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113,328 and a net result of €37,327. Its solvency ranks better than 53% of 34,855 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Official details
KBO- Status
- Active since 16-09-2020 Normal situation
- Legal form
- Private limited company
- Registered office
- Druifstraat 31, 9000 Gent
- Activity
- Roofing work NACE 43410
- Establishment unit
- 2.309.832.096 9000 Gent, since 16-09-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 15-01-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- 0.3%
Annual accounts 2025
- Gross margin
- €88,183
- Turnover
- ≈ €380,000
- estimated
- Profit
- €37,327
- Equity
- €113,328
- Total assets
- €227,786
2025 accounts 23 days early
Filed on 08-07-2026at the National Bank
Why 88raises riskFounded in 2020Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 2.08, cash €83,980Equity €113,328 (49.8% of total assets)Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 70% of its sector peers (NACE 43, micro)
Financial strength
Strong
Solvency
75
equity 49.8% of total assets
Liquidity
82
short-term debt 31.9% · cash 36.9%
Profitability
89
return on assets 16.4%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 9.0%
12-2024: 9.0%● unchanged vs 11-2024
01-2025: 9.0%● unchanged vs 12-2024
02-2025: 9.1%▲ +0.1 percentage points vs 01-2025highest value
03-2025: 9.1%● unchanged vs 02-2025highest value
04-2025: 8.8%▼ -0.3 percentage points vs 03-2025
05-2025: 8.8%● unchanged vs 04-2025
06-2025: 8.8%● unchanged vs 05-2025
07-2025: 6.2%▼ -2.6 percentage points vs 06-2025
08-2025: 6.1%▼ -0.1 percentage points vs 07-2025
09-2025: 5.5%▼ -0.6 percentage points vs 08-2025
10-2025: 5.5%● unchanged vs 09-2025
11-2025: 5.3%▼ -0.2 percentage points vs 10-2025
12-2025: 5.0%▼ -0.3 percentage points vs 11-2025
01-2026: 4.6%▼ -0.4 percentage points vs 12-2025
02-2026: 4.6%● unchanged vs 01-2026
03-2026: 4.6%● unchanged vs 02-2026
04-2026: 4.6%● unchanged vs 03-2026
05-2026: 4.4%▼ -0.2 percentage points vs 04-2026
06-2026: 4.4%● unchanged vs 05-2026
07-2026: 4.4%● unchanged vs 06-2026
08-2026: 0.3%▼ -4.1 percentage points vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.08, above the usual 1.5; short-term debt: 31.9% and cash: 36.9% of total assets), but 50.2% of the assets are financed with debt and provisions.
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 54% on solvency, 80% on liquidity and 75% on profitability.
The bankruptcy probability was computed on 31-10-2026 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
Five 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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Key points
- Positive: Among the best 20% on net resultsector median €10,232 · 34,842 companies €37,327 View
Documents
Annual accounts at the NBB
- Annual accounts 2025filed on 08-07-2026
Acts in the Belgian Official Gazette
- Purpose · Amendment of the articles · Legal-form change · Resignations & appointmentsact of 01-08-2025
- Registered officeact of 06-06-2023
Articles and registers
- Coordinated articles of associationnotaries' database
- Entry in the KBO registerKBO Public Search
- Check the withholding obligationwith enterprise number 0754.471.245
Key facts about J&F
- What is the company number of J&F?
- 0754.471.245. In Belgium the VAT number is the company number with BE in front: BE 0754.471.245.
- Where is J&F based?
- The registered office is at Druifstraat 31, 9000 Gent.Company details
- What does J&F do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of J&F?
- Private limited company (BV).
- When was J&F founded?
- On 16-09-2020.
- Is J&F still active?
- Yes, J&F is an active enterprise in the KBO register.
- What is the turnover of J&F?
- ≈ €380,000 in financial year 2025. Estimated from the gross margin of €88,183: probably between €240,000 and €510,000, based on 30 comparable companies, NACE 434.Financials
- Is J&F profitable?
- In financial year 2025, J&F made a profit of €37,327.
- Where can I find the annual accounts of J&F?
- J&F filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank
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