J&S TECHNICS
ActiveThe file of J&S TECHNICS contains 2 judicial reorganisation notices, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 18.3% (high). The 2025 annual accounts show equity of €62k and a net result of €14k. Equity is growing by ~86.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 27965 sector peers (fiscal year 2025).
Checked score
Score 2025
Axes · tick = 2024
Profitability58▼-42
Solvency53▲+1
Growth78=
Track record60
Bankruptcy probability, 12 months
18.3%
High
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 1.17 in 2024; short-term debt: 59.2% and cash: 5% of total assets), and 72.2% of the assets are financed with debt.
Credit check 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
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
27.8%
Return on assets
6.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
92 d late
2023
92 d late
2022
194 d late
2021
31 d late
2020
90 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 29.8%
2024 · €48k
2020: €-20klowest in 6 years
2021: €-9k▲ +51.9% vs 2020
2022: €-5k▲ +45.7% vs 2021
2023: €-18k▼ -256% vs 2022
2024: €48k▲ +362% vs 2023
2025: €62k▲ +29.8% vs 2024highest in 6 years
2020 → 2025
Total assets
€224k▲ 27.4%
2024 · €176k
2020: €1klowest in 6 years
2021: €44k▲ +3010% vs 2020
2022: €122k▲ +180% vs 2021
2023: €116k▼ -4.9% vs 2022
2024: €176k▲ +51.4% vs 2023
2025: €224k▲ +27.4% vs 2024highest in 6 years
2020 → 2025
Net result
€14k▼ 78.5%
2024 · €66k
2020: €-6k
2021: €10k▲ +272% vs 2020
2022: €4k▼ -57.6% vs 2021
2023: €-13k▼ -405% vs 2022lowest in 6 years
2024: €66k▲ +604% vs 2023highest in 6 years
2025: €14k▼ -78.5% vs 2024
2020 → 2025
Working capital
€51k▲ 177%
2024 · €18k
2020: €-20k
2021: €-3k▲ +84.2% vs 2020
2022: €-73k▼ -2234% vs 2021
2023: €-76k▼ -5.1% vs 2022lowest in 6 years
2024: €18k▲ +124% vs 2023
2025: €51k▲ +177% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-9k-€-5k▲ 45.7%€-18k▼ 256%€48k€62k▲ 29.8%
2021: €-9k
2022: €-5k▲ +45.7% vs 2021
2023: €-18k▼ -256% vs 2022lowest in 5 years
2024: €48k▲ +362% vs 2023
2025: €62k▲ +29.8% vs 2024highest in 5 years
Operating result€11k-€9k▼ 23.6%€-3k€75k€28k▼ 63.1%
2021: €11k
2022: €9k▼ -23.6% vs 2021
2023: €-3k▼ -135% vs 2022lowest in 5 years
2024: €75k▲ +2637% vs 2023highest in 5 years
2025: €28k▼ -63.1% vs 2024
Net result€10k-€4k▼ 57.6%€-13k€66k€14k▼ 78.5%
2021: €10k
2022: €4k▼ -57.6% vs 2021
2023: €-13k▼ -405% vs 2022lowest in 5 years
2024: €66k▲ +604% vs 2023highest in 5 years
2025: €14k▼ -78.5% vs 2024
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 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€41k ▼ 18.4%
Current assets
€184k ▲ 45.4%
Equity and liabilities €224k
Equity
€62k ▲ 29.8%
Debt
€162k ▲ 26.5%
Debt's share of the balance-sheet total falls from 72.7% to 72.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €85k
Cash flow
€24k▼
2024 · €76k
Current ratio
1.38▲
2024 · 1.17
Debt to equity
2.60▼
2024 · 2.66
ROE
22.9%▼
2024 · 138.1%
ROA
6.4%▼
2024 · 37.7%
Interest coverage
3.72▼
2024 · 13.08
Debt ≤ 1 year
€133k▲
2024 · €108k
Debt > 1 year
€29k▲
2024 · €20k
Income taxes
€4k▲
2024 · €71
Staff costs
€64k▲
2024 · €63k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€176k€224k▲
Fixed assets21/28€50k€41k▼
Intangible fixed assets21€42k€36k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€1k€1k▲
Current assets29/58€126k€184k▲
Stocks and contracts in progress3€15k-
Stocks30/36€15k-
Amounts receivable within one year40/41€105k€172k▲
Trade receivables40€83k€145k▲
Other amounts receivable41€22k€27k▲
Cash at bank and in hand54/58€6k€11k▲
Deferred charges and accrued income490/1-€462
Equity and liabilities
Total equity and liabilities10/49€176k€224k▲
Equity10/15€48k€62k▲
Contributions10/11€100€100=
Reserves13€62k€62k=
Tax-exempt reserves132€62k€62k=
Profit (loss) carried forward14€-14k€-187▲
Amounts payable17/49€128k€162k▲
Amounts payable after more than one year17€20k€29k▲
Financial debts170/4€20k€3k▼
Trade debts175-€26k
Amounts payable within one year42/48€108k€133k▲
Current portion of amounts payable after more than one year42€113€9k▲
Trade debts44€13k€10k▼
Suppliers440/4€13k€10k▼
Taxes, remuneration and social security45€33k€47k▲
Taxes450/3€4k€9k▲
Remuneration and social security454/9€29k€37k▲
Other amounts payable47/48€62k€67k▲
Income statement
Code20242025
Non-recurring operating income76A€62k-
Remuneration, social security and pensions62€63k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€150k€106k▼
Operating profit (loss)9901€75k€28k▼
Financial income75/76B€589€473▼
Recurring financial income75€589€473▼
Financial charges65/66B€10k€10k▲
Recurring financial charges65€7k€10k▲
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€66k€18k▼
Income taxes67/77€71€4k▲
Profit (loss) for the period9904€66k€14k▼
Transfer to tax-exempt reserves689€62k-
Profit (loss) for the period to be appropriated9905€4k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-187▲
Profit (loss) brought forward from the previous period14P€-18k€-14k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €62k | - | - |
| Remuneration, social security and pensions62 | €24k | €50k | €116k | €63k | €64k | ▲ 1.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €9k | €10k | €10k | €10k | ▲ 1.5% |
| Other operating charges640/8 | €2k | €3k | €4k | €1k | €4k | ▲ 208% |
| Gross operating margin9900 | €37k | €71k | €127k | €150k | €106k | ▼ 29.1% |
| Operating profit (loss)9901 | €11k | €9k | €-3k | €75k | €28k | ▼ 63.1% |
| Financial income75/76B | €5 | €168 | €14 | €589 | €473 | ▼ 19.8% |
| Recurring financial income75 | €5 | €168 | €14 | €589 | €473 | ▼ 19.8% |
| Financial charges65/66B | €985 | €2k | €10k | €10k | €10k | ▲ 5.8% |
| Recurring financial charges65 | €985 | €2k | €9k | €7k | €10k | ▲ 55.8% |
| Non-recurring financial charges66B | - | - | €885 | €3k | - | - |
| Profit (loss) for the period before taxes9903 | €10k | €7k | €-13k | €66k | €18k | ▼ 72.6% |
| Income taxes67/77 | - | €3k | €40 | €71 | €4k | ▲ 5,348% |
| Profit (loss) for the period9904 | €10k | €4k | €-13k | €66k | €14k | ▼ 78.5% |
| Transfer to tax-exempt reserves689 | - | - | - | €62k | - | - |
| Profit (loss) for the period to be appropriated9905 | €10k | €4k | €-13k | €4k | €14k | ▲ 264% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €44k | €122k | €116k | €176k | €224k | ▲ 27.4% |
| Fixed assets21/28 | - | €68k | €59k | €50k | €41k | ▼ 18.4% |
| Intangible fixed assets21 | - | €54k | €48k | €42k | €36k | ▼ 14.3% |
| Tangible fixed assets22/27 | - | €14k | €11k | €8k | €5k | ▼ 40.9% |
| Plant, machinery and equipment23 | - | €13k | €10k | €6k | €3k | ▼ 49.1% |
| Furniture and vehicles24 | - | €1k | €2k | €1k | €1k | ▲ 2.5% |
| Current assets29/58 | €44k | €54k | €57k | €126k | €184k | ▲ 45.4% |
| Stocks and contracts in progress3 | - | €30k | €30k | €15k | - | - |
| Stocks30/36 | - | €30k | €30k | €15k | - | - |
| Amounts receivable within one year40/41 | €30k | €23k | €24k | €105k | €172k | ▲ 63.9% |
| Trade receivables40 | €28k | €14k | €10k | €83k | €145k | ▲ 75.1% |
| Other amounts receivable41 | €2k | €9k | €15k | €22k | €27k | ▲ 22.5% |
| Cash at bank and in hand54/58 | €14k | €2k | €3k | €6k | €11k | ▲ 74.5% |
| Deferred charges and accrued income490/1 | - | - | - | - | €462 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €44k | €122k | €116k | €176k | €224k | ▲ 27.4% |
| Equity10/15 | €-9k | €-5k | €-18k | €48k | €62k | ▲ 29.8% |
| Contributions10/11 | €100 | €100 | €100 | €100 | €100 | = |
| Reserves13 | - | - | - | €62k | €62k | = |
| Tax-exempt reserves132 | - | - | - | €62k | €62k | = |
| Profit (loss) carried forward14 | €-10k | €-5k | €-18k | €-14k | €-187 | ▲ 98.7% |
| Amounts payable17/49 | €53k | €128k | €135k | €128k | €162k | ▲ 26.5% |
| Amounts payable after more than one year17 | - | - | - | €20k | €29k | ▲ 46.0% |
| Financial debts170/4 | - | - | - | €20k | €3k | ▼ 82.7% |
| Trade debts175 | - | - | - | - | €26k | - |
| Amounts payable within one year42/48 | €47k | €127k | €133k | €108k | €133k | ▲ 22.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €113 | €9k | ▲ 7,541% |
| Trade debts44 | €9k | €14k | €28k | €13k | €10k | ▼ 18.4% |
| Suppliers440/4 | €9k | €14k | €28k | €13k | €10k | ▼ 18.4% |
| Taxes, remuneration and social security45 | €12k | €28k | €49k | €33k | €47k | ▲ 40.7% |
| Taxes450/3 | €2k | €13k | €17k | €4k | €9k | ▲ 111% |
| Remuneration and social security454/9 | €10k | €14k | €32k | €29k | €37k | ▲ 29.7% |
| Other amounts payable47/48 | €26k | €85k | €56k | €62k | €67k | ▲ 8.0% |
| Accrued charges and deferred income492/3 | €6k | €500 | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €4k | €-13k | €66k | €14k | ▼ 78.5% |
| + Depreciation and write-downs630 | - | €9k | €10k | €10k | €10k | ▲ 1.5% |
| Operating cash flow (approximation) | €10k | €14k | €-4k | €76k | €24k | ▼ 68.2% |
| Investment in fixed assets (approximation) | - | - | €-1k | €-20 | €-783 | ▼ 3,752% |
| Change in cash | - | €-12k | €1k | €3k | €5k | ▲ 38.5% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.17
Current ratio from 0.43 to 1.17; short-term debt falls from €133k to €108k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
21-10
Judicial reorganisation
Plan homologation
Ondernemingsrechtbank Antwerpen · event 11-10-2024
01-07
Judicial reorganisation
Opening
Ondernemingsrechtbank Antwerpen · collective agreement · event 21-06-2024
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 194 days late
2023
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
8 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, Bilzen-Hoeselt · 1 establishment unit since 2010
Ground area
454 m²
Building footprint
168 m²
Volume, LiDAR
918 m³
Parcel 73068A0806/00F000, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
M&R Consultancy VOF
since 20102.225.502.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73068A0806/00F000 | Flanders | 454 m² | 1 · 168 m² | 10.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 566 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 566 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,096 companies in sector 43240 we hold annual accounts for 1,633. 1,360 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
Founded01-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
47512Retail sale of household textiles and bedding
47559Retail sale of other household articles
66220Insurance agents and brokers
68310Real estate agency activities
70200Business and other management consultancy
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.