J-Lucy Construction
ActiveSummary
The computed 12-month bankruptcy probability of J-Lucy Construction is 2.7% (moderate). The 2025 annual accounts show equity of €3k and a net result of €10k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 7453 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+63
Solvency30▲+13
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 15%
← weakest
strongest →
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 29-01-2026, 183 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
183 d early
2024
118 d early
2023
187 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k
2024 · €-7k
2023: €3k
2024: €-7k
2023 → 2025
Total assets
€63k▼ 22.0%
2024 · €81k
2023: €104k
2024: €81k
2023 → 2025
Net result
€10k
2024 · €-9k
2023: €187
2024: €-9k
2023 → 2025
Working capital
€-19k▲ 30.3%
2024 · €-28k
2023: €-30k
2024: €-28k
2023 → 2025
Multi-year overview
Available amounts per fiscal year
Line202320242025Trend
Equity€3k-€-7k€3k
Operating result€3k-€-5k€14k
Net result€187-€-9k€10k
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: €14k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€54k ▼ 19.5%
Current assets
€9k ▼ 34.1%
Equity and liabilities €63k
Equity
€3k
Debt
€60k
Debt finances 94.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€31k▲
2024 · €10k
Cash flow
€27k▲
2024 · €6k
Current ratio
0.33▼
2024 · 0.34
Quick ratio
0.22▼
2024 · 0.27
Debt to equity
18.75▲
2024 · -13.23
ROE
307.2%
ROA
15.5%▲
2024 · -11.5%
Interest coverage
7.15▲
2024 · 2.52
Debt ≤ 1 year
€29k▼
2024 · €42k
Debt > 1 year
€29k▼
2024 · €44k
Income taxes
€71
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€81k€63k▼
Fixed assets21/28€67k€54k▼
Tangible fixed assets22/27€67k€54k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€30k▼
Leasing and similar rights25€32k€23k▼
Current assets29/58€14k€9k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€918€2k▲
Other amounts receivable41€918€2k▲
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€10k€2k▼
Equity and liabilities
Total equity and liabilities10/49€81k€63k▼
Equity10/15€-7k€3k▲
Contributions10/11€3k€3k=
Reserves13-€713
Distributable reserves133-€713
Profit (loss) carried forward14€-9k-
Amounts payable17/49€88k€60k▼
Amounts payable after more than one year17€44k€29k▼
Financial debts170/4€44k€29k▼
Amounts payable within one year42/48€42k€29k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€9k€8k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€12k€33k▲
Operating profit (loss)9901€-5k€14k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-9k€10k▲
Income taxes67/77-€71
Profit (loss) for the period9904€-9k€10k▲
Profit (loss) for the period to be appropriated9905€-9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€713▲
Profit (loss) brought forward from the previous period14P€187€-9k▼
Transfer to equity691/2-€713
To other reserves6921-€713
The notes to these accounts (8 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-9k ▼5098%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bastogne · 1 establishment unit since 2023
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.
Rue des Foyans(Champs) 446687 BastogneGround area
1,965 m²
Parcel 82016C0100/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
J-Lucy Construction
since 20232.351.961.077
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82016C0100/00R000 | Wallonia | 1,965 m² | - | - |
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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Cotexi
BE 0777.647.713
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Giro Work Finishing
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 4,810 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.