J-L D. CONSTRUCT
ActiveSummary
J-L D. CONSTRUCT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,467 and a net result of €9,986. Equity is shrinking by ~17% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 54% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+92
Solvency76▲+42
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 0.96 in 2024; short-term debt: 48.2% of total assets), and 49% of the assets are financed with debt.
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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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
51%
Return on assets
37.8%
Age of the figures
9 mo
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
74 d late
2023
67 d late
2022
14 d late
2021
4 d late
2020
11 d early
2019
95 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 14 August (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 oldest company in Donceel, Construction sector
Turnover
€0
EBIT margin
Not included in this filing
Net result
€9,986
2024 · -€18,112
Working capital
€10,738
2024 · -€1,251
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
Line20212022202320242025
Turnover€0
Operating result-€177▲ 98.9%€7,190-€34,389-€13,718▲ 60.1%€13,058
Net result€665below the sector's middle half€6,021within the sector's middle half▲ 805%-€36,314below the sector's middle half-€18,112below the sector's middle half▲ 50.1%€9,986within the sector's middle half
Equity€51,885within the sector's middle half▲ 1.3%€57,906below the sector's middle half▲ 11.6%€21,592within the sector's middle half▼ 62.7%€3,481below the sector's middle half▼ 83.9%€13,467below the sector's middle half▲ 287%
Total assets€82,694below the sector's middle half▲ 16.2%€117,031below the sector's middle half▲ 41.5%€55,954below the sector's middle half▼ 52.2%€38,084below the sector's middle half▼ 31.9%€26,406below the sector's middle half▼ 30.7%
Debt€30,809▲ 54.3%€59,125▲ 91.9%€34,362▼ 41.9%€34,604▲ 0.7%€12,939▼ 62.6%
Working capital€49,647within the sector's middle half▼ 1.6%€52,681within the sector's middle half▲ 6.1%€16,312within the sector's middle half▼ 69.0%-€1,251below the sector's middle half€10,738within the sector's middle half
Solvency62.7%above the sector's middle half▼ 9.2pp49.5%within the sector's middle half▼ 13.3pp38.6%within the sector's middle half▼ 10.9pp9.1%below the sector's middle half▼ 29.5pp51.0%within the sector's middle half▲ 41.9pp
Current ratio2.62above the sector's middle half▼ 0.931.89within the sector's middle half▼ 0.731.48within the sector's middle half▼ 0.410.96below the sector's middle half▼ 0.521.84within the sector's middle half▲ 0.88
Return on assets (ROA)0.8%within the sector's middle half▲ 25.2pp5.1%within the sector's middle half▲ 4.3pp-64.9%below the sector's middle half▼ 70.0pp-47.6%below the sector's middle half▲ 17.3pp37.8%above the sector's middle half▲ 85.4pp
Staff (FTE)2.2below the sector's middle half▲ 22.2%3below the sector's middle half▲ 36.4%3.3▲ 10.0%0.8▼ 75.8%0.2▼ 75.0%
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.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13,058 after a loss of €13,718 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26,406
Fixed assets
€2,929 ▼ 46.6%
Current assets
€23,477 ▼ 28.0%
Equity and liabilities €26,406
Equity
€13,467 ▲ 287%
Debt
€12,939 ▼ 62.6%
Debt's share of the balance-sheet total falls from 90.9% to 49.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,612▲
2024 · -€11,363
Cash flow
€12,540▲
2024 · -€15,757
Debt to equity
0.96▼
2024 · 9.94
ROE
74.2%▲
2024 · -520.4%
Interest coverage
5.08▲
2024 · -2.59
Debt ≤ 1 year
€12,739▼
2024 · €33,852
Staff costs
€1,216▼
2024 · €11,859
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% 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 34,679 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €0 | - | - |
| Non-recurring operating income76A | - | - | €30,000 | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €0 | - | - |
| Remuneration, social security and pensions62 | €77,020 | €91,948 | €77,381 | €11,859 | €1,216 | ▼ 89.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,270 | €1,096 | €2,036 | €2,355 | €2,554 | ▲ 8.5% |
| Other operating charges640/8 | €149 | €149 | €415 | €225 | €436 | ▲ 94.2% |
| Non-recurring operating charges66A | - | - | - | - | €2,232 | - |
| Gross operating margin9900 | €78,262 | €100,383 | €45,443 | €721 | €19,496 | ▲ 2,604% |
| Operating profit (loss)9901 | -€177 | €7,190 | -€34,389 | -€13,718 | €13,058 | ▲ 195% |
| Financial income75/76B | €1,993 | €1 | €2 | - | - | - |
| Recurring financial income75 | €1,993 | €1 | €2 | - | - | - |
| Financial charges65/66B | €1,150 | €1,170 | €1,927 | €4,394 | €3,072 | ▼ 30.1% |
| Recurring financial charges65 | €1,150 | €1,170 | €1,927 | €4,394 | €3,072 | ▼ 30.1% |
| Profit (loss) for the period before taxes9903 | €665 | €6,021 | -€36,314 | -€18,112 | €9,986 | ▲ 155% |
| Income taxes67/77 | - | - | - | €0 | - | - |
| Profit (loss) for the period9904 | €665 | €6,021 | -€36,314 | -€18,112 | €9,986 | ▲ 155% |
| Profit (loss) for the period to be appropriated9905 | €665 | €6,021 | -€36,314 | -€18,112 | €9,986 | ▲ 155% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €82,694 | €117,031 | €55,954 | €38,084 | €26,406 | ▼ 30.7% |
| Fixed assets21/28 | €2,471 | €5,224 | €5,614 | €5,483 | €2,929 | ▼ 46.6% |
| Tangible fixed assets22/27 | €2,396 | €5,149 | €5,539 | €5,408 | €2,854 | ▼ 47.2% |
| Plant, machinery and equipment23 | €1,954 | €3,489 | €3,082 | €2,081 | €1,162 | ▼ 44.2% |
| Furniture and vehicles24 | €392 | €1,660 | €2,458 | €3,326 | €1,692 | ▼ 49.1% |
| Other tangible fixed assets26 | €50 | - | - | €0 | - | - |
| Financial fixed assets28 | €75 | €75 | €75 | €75 | €75 | = |
| Current assets29/58 | €80,223 | €111,807 | €50,339 | €32,601 | €23,477 | ▼ 28.0% |
| Stocks and contracts in progress3 | €24,000 | €82,774 | €33,055 | €0 | - | - |
| Stocks30/36 | €15,000 | €13,774 | €6,055 | €0 | - | - |
| Contracts in progress37 | €9,000 | €69,000 | €27,000 | €0 | - | - |
| Amounts receivable within one year40/41 | €56,224 | €29,032 | €17,284 | €32,601 | €23,477 | ▼ 28.0% |
| Trade receivables40 | €23,929 | €2,645 | €850 | €16,775 | - | - |
| Other amounts receivable41 | €32,294 | €26,387 | €16,434 | €15,827 | €23,477 | ▲ 48.3% |
| Cash at bank and in hand54/58 | - | - | - | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €82,694 | €117,031 | €55,954 | €38,084 | €26,406 | ▼ 30.7% |
| Equity10/15 | €51,885 | €57,906 | €21,592 | €3,481 | €13,467 | ▲ 287% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | - | - | - | - |
| Reserves13 | €25,959 | €25,959 | €25,959 | €25,959 | €25,959 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Distributable reserves133 | €21,599 | €21,599 | €23,459 | €23,459 | €23,459 | = |
| Profit (loss) carried forward14 | €19,727 | €25,747 | -€10,566 | -€28,678 | -€18,692 | ▲ 34.8% |
| Amounts payable17/49 | €30,809 | €59,125 | €34,362 | €34,604 | €12,939 | ▼ 62.6% |
| Amounts payable within one year42/48 | €30,577 | €59,125 | €34,027 | €33,852 | €12,739 | ▼ 62.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €6,907 | - |
| Financial debts43 | €8,055 | €13,441 | €12,384 | €15,235 | - | - |
| Credit institutions430/8 | €8,055 | €13,441 | €12,384 | €15,235 | - | - |
| Trade debts44 | €22,469 | €20,764 | €7,029 | €14,176 | €2,021 | ▼ 85.7% |
| Suppliers440/4 | €22,469 | €20,764 | €7,029 | €14,176 | €2,021 | ▼ 85.7% |
| Taxes, remuneration and social security45 | €53 | €852 | €5,207 | €4,020 | €1,875 | ▼ 53.4% |
| Taxes450/3 | - | €309 | €3,611 | €0 | €105 | - |
| Remuneration and social security454/9 | €53 | €543 | €1,596 | €4,020 | €1,770 | ▼ 56.0% |
| Other amounts payable47/48 | - | €24,069 | €9,407 | €421 | €1,936 | ▲ 360% |
| Accrued charges and deferred income492/3 | €233 | - | €335 | €751 | €200 | ▼ 73.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €665 | €6,021 | -€36,314 | -€18,112 | €9,986 | ▲ 155% |
| + Depreciation and write-downs630 | €1,270 | €1,096 | €2,036 | €2,355 | €2,554 | ▲ 8.5% |
| Operating cash flow (approximation) | €1,935 | €7,117 | -€34,278 | -€15,757 | €12,540 | ▲ 180% |
| Investment in fixed assets (approximation) | - | -€3,850 | -€2,426 | -€2,223 | €0 | ▲ 100% |
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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9,986
Net result €9,986 after 2 loss-making years.
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
31-12
Financial
Weakest financial yearnet -€36,314
Net result drops to -€36,314, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 4 days late
2021
31-12
Financial
Back to profitnet €665
Net result €665 after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 95 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Donceel · 1 establishment unit since 2011
Ground area
1,797 m²
Building footprint
183 m²
Volume, LiDAR
1,114 m³
Parcel 64033A0574/00G000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J-L D. CONSTRUCT
since 20112.201.374.121
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64033A0574/00G000 | Wallonia | 1,797 m² | 1 · 183 m² | 9.0 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 11,141 companies in sector 43910 we hold annual accounts for 5,493. 3,416 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
Founded18-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0833862082
Also
9925:BE0833862082
Registered
31-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.