J & P CONSTRUCTION

Active

Private limited companyfounded 200718 yrs activeDeken De Winterstraat 37, 2600 Antwerpen, BelgiumKBO/BCE: BE 0893.281.512

J & P CONSTRUCTION has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €70k and a net result of €6k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2024

55 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability72▲+3

Solvency55▼-11

Growth32=

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity tight (current ratio 1.01 against 1.27 in 2023; short-term debt: 50.1% and cash: 4.3% of total assets), and 70% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

30%

Return on assets

2.5%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 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 · 10 filings

Deviation from the deadline

2025

not confirmed

2024

28 d late

2023

55 d late

2022

51 d late

2021

227 d late

2020

61 d late

2019

8 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€70k▼ 29.5%

2023 · €99k

2018: €106k 2019: €114k 2020: €106k 2021: €107k 2022: €108k 2023: €99k

2018 → 2024

Total assets

€233k▼ 2.7%

2023 · €239k

2018: €249k 2019: €243k 2020: €221k 2021: €174k 2022: €157k 2023: €239k

2018 → 2024

Net result

€6k▲ 301%

2023 · €1k

2018: €46k 2019: €8k 2020: €-8k 2021: €1k 2022: €1k 2023: €1k

2018 → 2024

Working capital

€2k▼ 91.6%

2023 · €19k

2018: €78k 2019: €64k 2020: €57k 2021: €61k 2022: €71k 2023: €19k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€106k-€107k▲ 1.0%€108k▲ 1.0%€99k▼ 8.0%€70k▼ 29.5%

Operating result€-6k-€14k€4k▼ 72.9%€8k▲ 106%€19k▲ 145%

Net result€-8k-€1k€1k▲ 3.5%€1k▲ 30.2%€6k▲ 301%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 145% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €233k

49.2%

50.8%

Fixed assets €115k▼ 23.0%

Current assets €118k▲ 30.5%

Equity and liabilities €233k

30.0%

70.0%

Equity €70k▼ 29.5%

Debt €163k▲ 16.2%

The debt ratio rises from 58.6% to 70.0%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€53k▲

2023 · €25k

Cash flow

€40k▲

2023 · €19k

Solvency

30.0%▼

2023 · 41.4%

Current ratio

1.01▼

2023 · 1.27

Quick ratio

0.78▲

2023 · 0.78

Debt / equity

2.33▲

2023 · 1.41

ROE

8.2%▲

2023 · 1.4%

ROA

2.5%▲

2023 · 0.6%

Interest coverage

11.64▲

2023 · 8.06

Debt

€163k▲

2023 · €140k

Debt ≤ 1 year

€117k▲

2023 · €72k

Debt > 1 year

€46k▼

2023 · €69k

Income taxes

€9k▲

2023 · €3k

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€239k€233k▼

Fixed assets21/28€149k€115k▼

Tangible fixed assets22/27€149k€115k▼

Furniture and vehicles24€149k€115k▼

Current assets29/58€91k€118k▲

Stocks and contracts in progress3€35k€27k▼

Stocks30/36€3k€3k=

Contracts in progress37€33k€25k▼

Amounts receivable within one year40/41€54k€79k▲

Trade receivables40€39k€79k▲

Other amounts receivable41€15k€355▼

Cash at bank and in hand54/58€985€10k▲

Deferred charges and accrued income490/1€291€2k▲

Equity and liabilities

Total equity and liabilities10/49€239k€233k▼

Equity10/15€99k€70k▼

Contributions10/11€7k€7k=

Outside capital11€7k€7k=

Share premium1100/10€7k€7k=

Reserves13€92k€63k▼

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€91k€61k▼

Amounts payable17/49€140k€163k▲

Amounts payable after more than one year17€69k€46k▼

Financial debts170/4€69k€46k▼

Amounts payable within one year42/48€72k€117k▲

Current portion of amounts payable after more than one year42€21k€22k▲

Trade debts44€15k€12k▼

Suppliers440/4€15k€12k▼

Taxes, remuneration and social security45€3k€11k▲

Taxes450/3€3k€11k▲

Other amounts payable47/48€32k€71k▲

Income statement Code20232024

Non-recurring operating income76A€44k€9k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€34k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€288▼

Other operating charges640/8€710€997▲

Gross operating margin9900€27k€55k▲

Operating profit (loss)9901€8k€19k▲

Financial income75/76B€60€3▼

Recurring financial income75€60€3▼

Financial charges65/66B€3k€5k▲

Recurring financial charges65€3k€5k▲

Profit (loss) for the period before taxes9903€5k€14k▲

Income taxes67/77€3k€9k▲

Profit (loss) for the period9904€1k€6k▲

Profit (loss) for the period to be appropriated9905€1k€6k▲

Appropriation of the result

Profit (loss) to be appropriated9906€1k€6k▲

Transfer from equity791/2€10k€35k▲

Transfer to equity691/2€1k€6k▲

To other reserves6921€1k€6k▲

Profit to be distributed694/7€10k€35k▲

Return on contributions (dividend)694€10k€35k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 2Gazette 1Filings 10

2026

31-08

State Gazette act Statutes amendment · Legal-form change · Resignations & appointments

General meeting · Statutes amendment · Reserve release14 facts ▸

General meeting
Statutes amendment
Reserve release, Statutory reserve and paid-up capital converted to unavailable equity account and then released for distribution
Capital decrease, €12.400
Statutes amendment
Corporate purpose, Construction sector activities (building, finishing, demolition), joinery, flooring, tiling, wallpapering, roofing, painting, glazing, plastering, cleaning, sca…
Capital
Director resignation, JEDUT Jaroslaw Stanislaw (bestuurder)
Director resignation, WlODARCZYK Piotr Henryk (bestuurder)
Director reappointment, JEDUT Jaroslaw Stanislaw (bestuurder)
Director reappointment, WlODARCZYK Piotr Henryk (bestuurder)
Mandate compensation, JEDUT Jaroslaw Stanislaw
+2 further facts in this act

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

24-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 55 days late

2023

20-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 51 days late

15-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 227 days late

2021

31-12

Financial Back to profitnet €1k

Net result €1k after one loss-making year.

30-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 61 days late

2020

31-12

Financial Weakest financial yearnet €-8k ▼204%

Net result drops to €-8k, the lowest in the series; recovery starts the following year.

23-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

30-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 91 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

28-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 332 days late

2016

26-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 26 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 directors, no change since 2026

JEDUT Jaroslaw Stanislaw

Director

Current

WlODARCZYK Piotr Henryk

Director

Current

31-08-2026 JEDUT Jaroslaw Stanislaw: Resigned as Director

31-08-2026 WlODARCZYK Piotr Henryk: Resigned as Director

Location & real-estate footprint

Registered office, Antwerpen · 1 establishment unit since 2007

establishment The establishment unit on the map

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.

Deken De Winterstraat 372600 Antwerpen

Ground area

200 m²

Building footprint

100 m²

Volume, LiDAR

850 m³

Parcel 11003A0356/00P012, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

J & P CONSTRUCTION

Deken De Winterstraat 37, 2600 AntwerpenNACE 4525004

since 20072.169.921.969

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11003A0356/00P012	Flanders	200 m²	1 · 100 m²	10.5 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.

Similar companies · same sector, comparable size

Houthalen-Helchteren · Eq €70k

Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 2,000 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-11-2007

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

43990Other specialised construction activities

43999Specialised construction activities

45250

Sources

Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.