J & J CONSTRUCT
ActiveJ & J CONSTRUCT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €8k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 52% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-53
Solvency89▼-6
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 2.01 in 2024), but 51.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
48.6%
Return on assets
4.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
22 d early
2022
1 d early
2021
10 d early
2020
9 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▼ 7.9%
2024 · €93k
2019: €95k
2020: €111k
2021: €71k
2022: €71k
2023: €94k
2024: €93k
2019 → 2025
Total assets
€177k▼ 4.7%
2024 · €186k
2019: €189k
2020: €173k
2021: €137k
2022: €148k
2023: €140k
2024: €186k
2019 → 2025
Net result
€8k▼ 80.7%
2024 · €42k
2019: €24k
2020: €16k
2021: €-39k
2022: €98
2023: €22k
2024: €42k
2019 → 2025
Working capital
€65k▼ 6.4%
2024 · €69k
2019: €75k
2020: €86k
2021: €51k
2022: €52k
2023: €81k
2024: €69k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€71k▲ 0.1%€94k▲ 31.5%€93k▼ 0.5%€86k▼ 7.9%
Operating result€-37k-€2k€27k▲ 1,054%€49k▲ 79.5%€14k▼ 71.9%
Net result€-39k-€98€22k▲ 22,785%€42k▲ 86.7%€8k▼ 80.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€32k▼ 33.6%
Current assets
€145k▲ 5.4%
Equity and liabilities €177k
Equity
€86k▼ 7.9%
Debt
€91k▼ 1.3%
The debt ratio rises from 49.7% to 51.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2024 · €60k
Cash flow
€28k▼
2024 · €53k
Solvency
48.6%▼
2024 · 50.3%
Current ratio
1.81▼
2024 · 2.01
Quick ratio
1.53▲
2024 · 1.48
Debt / equity
1.06▲
2024 · 0.99
ROE
9.4%▼
2024 · 45.0%
ROA
4.6%▼
2024 · 22.6%
Interest coverage
17.04▼
2024 · 32.74
Debt
€91k▼
2024 · €92k
Debt ≤ 1 year
€80k▲
2024 · €69k
Debt > 1 year
€10k▼
2024 · €23k
Income taxes
€4k▼
2024 · €5k
Staff costs
€844
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€186k€177k▼
Fixed assets21/28€48k€32k▼
Tangible fixed assets22/27€45k€29k▼
Furniture and vehicles24€35k€24k▼
Leasing and similar rights25€10k€5k▼
Financial fixed assets28€3k€3k=
Current assets29/58€138k€145k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€37k€22k▼
Stocks30/36€37k€22k▼
Amounts receivable within one year40/41€68k€109k▲
Trade receivables40€35k€91k▲
Other amounts receivable41€33k€18k▼
Cash at bank and in hand54/58€29k€9k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€186k€177k▼
Equity10/15€93k€86k▼
Contributions10/11€19k€19k=
Reserves13€75k€67k▼
Tax-exempt reserves132€6k€6k=
Distributable reserves133€69k€62k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€92k€91k▼
Amounts payable after more than one year17€23k€10k▼
Financial debts170/4€23k€10k▼
Amounts payable within one year42/48€69k€80k▲
Current portion of amounts payable after more than one year42€20k€14k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€49k▲
Suppliers440/4€2k€49k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€12k€3k▼
Taxes450/3€12k€3k▼
Other amounts payable47/48€34k€15k▼
Accrued charges and deferred income492/3€462€696▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62-€844
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€15k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€59k€51k▼
Operating profit (loss)9901€49k€14k▼
Financial income75/76B€490€720▲
Recurring financial income75€490€720▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€47k€12k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€42k€8k▼
Profit (loss) for the period to be appropriated9905€42k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€8k▼
Transfer from equity791/2€23k€16k▼
Transfer to equity691/2€22k€8k▼
To other reserves6921€22k€8k▼
Profit to be distributed694/7€42k€16k▼
Return on contributions (dividend)694€23k€16k▼
Directors or managers695€20k€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €42k ▲86.7%
Operating result €49k, net result €42k, both a record.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €98
Net result €98 after one loss-making year.
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-39k ▼354%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €111k ▲16.3%
2 profitable years in a row build equity to €111k.
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Diestersteenweg 2703510 HasseltGround area
109 m²
Building footprint
108 m²
Volume, LiDAR
442 m³
Parcel 71028B0125/00M000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J&J Construct - J&J Welding
since 20062.151.221.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71028B0125/00M000 | Flanders | 109 m² | 1 · 108 m² | 6.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
2022 to 2025 · 2 entries · 1,054 EUR awarded · 1,054 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 882 EUR | 882 EUR |
| 2022 | 1 | 172 EUR | 172 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ETABLISSEMENTS LAURENT QUINAUX
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PG Draadafsluitingen
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ATELIER S
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,086. 7,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2005
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
45422
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.