J&J Construct
ActiveSummary
J&J Construct has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €206k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+72
Solvency49▲+29
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.06 in 2024; short-term debt: 48.1% and cash: 89.4% of total assets), but 76.3% of the assets are financed with debt.
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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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
23.7%
Return on assets
37.1%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
20 d late
2023
6 d late
2022
17 d early
← 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, micro schema
Equity
€132k
2024 · €-75k
Total assets
€555k▼ 62.4%
2024 · €1.48M
Net result
€206k
2024 · €-59k
Working capital
€288k▲ 262%
2024 · €80k
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
Line2022202320242025
Operating result€-4k-€-3k▲ 38.8%€-5k▼ 84.5%€308k
Net result€-4k-€-16k▼ 278%€-59k▼ 262%€206k
Equity€684-€-16k€-75k▼ 378%€132k
Total assets€1k-€678k▲ 53,632%€1.48M▲ 118%€555k▼ 62.4%
Debt€578-€694k▲ 119,906%€1.55M▲ 124%€424k▼ 72.7%
Working capital€684-€-16k€80k€288k▲ 262%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €308k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €555k
Equity
€132k
Debt
€424k
Debt finances 76.3% of the balance-sheet total.
Key figures and ratios
Current ratio
2.08▲
2024 · 1.06
Quick ratio
1.96▲
2024 · 0.03
Debt to equity
3.22▲
2024 · -20.79
ROE
156.8%
ROA
37.1%▲
2024 · -4.0%
Debt ≤ 1 year
€267k▼
2024 · €1.40M
Debt > 1 year
€157k▲
2024 · €154k
Income taxes
€72k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €348 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €0 | - | - | - |
| Other operating charges640/8 | €523 | €751 | €46 | €444 | ▲ 865% |
| Gross operating margin9900 | €-2k | €-2k | €-5k | €309k | ▲ 6,640% |
| Operating profit (loss)9901 | €-4k | €-3k | €-5k | €308k | ▲ 6,568% |
| Financial income75/76B | - | - | €67 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | - | €67 | €0 | ▼ 100.0% |
| Financial charges65/66B | €91 | €14k | €54k | €30k | ▼ 44.3% |
| Recurring financial charges65 | €91 | €14k | €54k | €30k | ▼ 44.3% |
| Profit (loss) for the period before taxes9903 | €-4k | €-16k | €-59k | €278k | ▲ 570% |
| Income taxes67/77 | - | - | - | €72k | - |
| Profit (loss) for the period9904 | €-4k | €-16k | €-59k | €206k | ▲ 449% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-16k | €-59k | €206k | ▲ 449% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1k | €678k | €1.48M | €555k | ▼ 62.4% |
| Current assets29/58 | €1k | €678k | €1.48M | €555k | ▼ 62.4% |
| Stocks and contracts in progress3 | - | €640k | €1.43M | €33k | ▼ 97.7% |
| Stocks30/36 | - | €640k | €1.43M | €33k | ▼ 97.7% |
| Amounts receivable within one year40/41 | €594 | €28k | €45k | €27k | ▼ 40.5% |
| Trade receivables40 | - | - | €3k | €27k | ▲ 842% |
| Other amounts receivable41 | €594 | €28k | €42k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €668 | €10k | €0 | €496k | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1k | €678k | €1.48M | €555k | ▼ 62.4% |
| Equity10/15 | €684 | €-16k | €-75k | €132k | ▲ 276% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | - | - | - | €127k | - |
| Distributable reserves133 | - | - | - | €127k | - |
| Profit (loss) carried forward14 | €-4k | €-21k | €-80k | €0 | ▲ 100% |
| Amounts payable17/49 | €578 | €694k | €1.55M | €424k | ▼ 72.7% |
| Amounts payable after more than one year17 | - | - | €154k | €157k | ▲ 1.5% |
| Other amounts payable178/9 | - | - | €154k | €157k | ▲ 1.5% |
| Amounts payable within one year42/48 | €578 | €694k | €1.40M | €267k | ▼ 80.9% |
| Financial debts43 | - | €385k | €1.08M | €0 | ▼ 100% |
| Credit institutions430/8 | - | €385k | €1.08M | €0 | ▼ 100% |
| Trade debts44 | €578 | €134k | €42k | €278 | ▼ 99.3% |
| Suppliers440/4 | €578 | €134k | €42k | €278 | ▼ 99.3% |
| Advances received on contracts in progress46 | - | - | €277k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €80 | €4k | €45k | ▲ 1,099% |
| Taxes450/3 | - | €80 | €4k | €45k | ▲ 1,099% |
| Other amounts payable47/48 | - | €176k | €0 | €222k | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-16k | €-59k | €206k | ▲ 449% |
| + Depreciation and write-downs630 | €1k | €0 | - | - | - |
| Operating cash flow (approximation) | €-3k | €-16k | €-59k | €206k | ▲ 449% |
| Change in cash | - | €9k | €-10k | €496k | ▲ 5,157% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €206k
Net result €206k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €132k
Equity rises from €-75k to €132k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Beersel · 1 establishment unit since 2022
Ground area
210 m²
Building footprint
181 m²
Volume, LiDAR
941 m³
Parcel 23017E0310/00F000, Flanders · tallest building 17.1 m, ±2 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
J&J Construct
since 20222.338.529.646
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017E0310/00F000 | Flanders | 210 m² | 1 · 181 m² | 17.1 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.
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,342 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
Founded24-08-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.