J.J.M. CONSTRUCT
ActiveJ.J.M. CONSTRUCT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €34k and a net result of €3k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 36376 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+67
Solvency91▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 5.97 in 2023; short-term debt: 34.1% and cash: 23.2% of total assets), and 34.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
65.9%
Return on assets
4.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
79 d late
2022
87 d late
2021
60 d late
2020
65 d late
2019
70 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€34k▲ 8.1%
2023 · €31k
2018: €12k
2019: €15k
2020: €21k
2021: €24k
2022: €34k
2023: €31k
2018 → 2024
Total assets
€51k▲ 37.2%
2023 · €37k
2018: €32k
2019: €25k
2020: €29k
2021: €43k
2022: €36k
2023: €37k
2018 → 2024
Net result
€3k
2023 · €-3k
2018: €-15k
2019: €3k
2020: €5k
2021: €4k
2022: €10k
2023: €-3k
2018 → 2024
Working capital
€33k▲ 8.1%
2023 · €30k
2018: €10k
2019: €13k
2020: €16k
2021: €21k
2022: €31k
2023: €30k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€24k▲ 18.2%€34k▲ 40.2%€31k▼ 9.3%€34k▲ 8.1%
Operating result€5k-€3k▼ 34.5%€9k▲ 159%€-4k€1k
Net result€5k-€4k▼ 27.7%€10k▲ 162%€-3k€3k
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 2024: €1k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €51k
Fixed assets
€895▲ 5.7%
Current assets
€50k▲ 37.9%
Equity and liabilities €51k
Equity
€34k▲ 8.1%
Debt
€17k▲ 186%
The debt ratio rises from 16.4% to 34.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▲
2023 · €-310
Cash flow
€3k▲
2023 · €650
Solvency
65.9%▼
2023 · 83.6%
Current ratio
2.88▼
2023 · 5.97
Quick ratio
2.88▼
2023 · 5.97
Debt / equity
0.52▲
2023 · 0.20
ROE
7.5%▲
2023 · -10.3%
ROA
4.9%▲
2023 · -8.6%
Interest coverage
10.90▲
2023 · -2.55
Debt
€17k▲
2023 · €6k
Debt ≤ 1 year
€17k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€37k€51k▲
Fixed assets21/28€847€895▲
Tangible fixed assets22/27€525€573▲
Plant, machinery and equipment23€525€573▲
Financial fixed assets28€322€322=
Current assets29/58€36k€50k▲
Amounts receivable within one year40/41€36k€38k▲
Trade receivables40€14k€15k▲
Other amounts receivable41€22k€24k▲
Cash at bank and in hand54/58€177€12k▲
Equity and liabilities
Total equity and liabilities10/49€37k€51k▲
Equity10/15€31k€34k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€11k€13k▲
Amounts payable17/49€6k€17k▲
Amounts payable within one year42/48€6k€17k▲
Trade debts44€1k€14k▲
Suppliers440/4€1k€14k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€902€702▼
Remuneration and social security454/9€4k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€239▼
Other operating charges640/8€244€5k▲
Gross operating margin9900€-67€6k▲
Operating profit (loss)9901€-4k€1k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€122€142▲
Recurring financial charges65€122€142▲
Profit (loss) for the period before taxes9903€-3k€3k▲
Profit (loss) for the period9904€-3k€3k▲
Profit (loss) for the period to be appropriated9905€-3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€13k▲
Profit (loss) brought forward from the previous period14P€14k€11k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 87 days late
2022
31-12
Financial
Highest result since 2018net €10k ▲162%
Operating result €9k, net result €10k, both a record.
31-12
Financial
Liquidity times 7current ratio 15.22
Current ratio from 2.13 to 15.22; short-term debt falls from €19k to €2k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 65 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.10
Current ratio from 1.86 to 4.10; short-term debt falls from €12k to €4k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 66 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 45 days late
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, Drogenbos · 1 establishment unit since 2013
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.
Groot-Bijgaardenstraat 1391620 DrogenbosGround area
425 m²
Building footprint
362 m²
Volume, LiDAR
3,165 m³
Parcel 22001A0064/00E004, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20132.216.397.639
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0064/00E004 | Flanders | 425 m² | 1 · 362 m² | 12.0 m · 3 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.
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LOTA SIGMA
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KEIFENS
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Meule Montage
BE 0795.968.439
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WOOXI
BE 0662.555.431
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BRYD
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Of 15,541 companies in sector 43990 we hold annual accounts for 7,422. 5,788 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2013
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.