J.T.C.-CONSTRUCT
ActiveJ.T.C.-CONSTRUCT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €-14k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 17% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-23
Solvency42▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.67 in 2024; short-term debt: 55.2% and cash: 37.9% of total assets), and 83.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
16.5%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7757 sector peers (2025).
NBB · sector comparisonPosition among 7757 sector peers
Solvency
better than 17%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
14 d early
2023
16 d early
2022
24 d early
2021
67 d early
2020
31 d early
2019
28 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€79k▼ 15.0%
2024 · €93k
2018: €30k
2019: €38k
2020: €44k
2021: €46k
2022: €47k
2023: €14k
2024: €93k
2018 → 2025
Total assets
€479k▼ 5.5%
2024 · €506k
2018: €154k
2019: €152k
2020: €160k
2021: €155k
2022: €463k
2023: €276k
2024: €506k
2018 → 2025
Net result
€-14k
2024 · €79k
2018: €4k
2019: €7k
2020: €7k
2021: €1k
2022: €1k
2023: €-32k
2024: €79k
2018 → 2025
Working capital
€13k
2024 · €-136k
2018: €30k
2019: €37k
2020: €34k
2021: €37k
2022: €-151k
2023: €-140k
2024: €-136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€47k▲ 3.0%€14k▼ 69.1%€93k▲ 542%€79k▼ 15.0%
Operating result€3k-€3k▲ 20.8%€-23k€104k€-8k
Net result€1k-€1k▲ 7.7%€-32k€79k€-14k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €104k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €479k
Fixed assets
€201k▼ 14.1%
Current assets
€277k▲ 2.0%
Equity and liabilities €479k
Equity
€79k▼ 15.0%
Debt
€399k▼ 3.3%
The debt ratio rises from 81.6% to 83.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€63k▼
2024 · €160k
Cash flow
€57k▼
2024 · €134k
Solvency
16.5%▼
2024 · 18.4%
Current ratio
1.05▲
2024 · 0.67
Quick ratio
1.05▲
2024 · 0.67
Debt / equity
5.05▲
2024 · 4.44
ROE
-17.6%▼
2024 · 84.4%
ROA
-2.9%▼
2024 · 15.5%
Interest coverage
10.52▼
2024 · 26.82
Debt
€399k▼
2024 · €413k
Debt ≤ 1 year
€264k▼
2024 · €407k
Income taxes
€-10▼
2024 · €20k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€506k€479k▼
Fixed assets21/28€234k€201k▼
Tangible fixed assets22/27€234k€201k▼
Plant, machinery and equipment23€47k€73k▲
Furniture and vehicles24€75k€57k▼
Other tangible fixed assets26€113k€72k▼
Current assets29/58€272k€277k▲
Amounts receivable within one year40/41€207k€94k▼
Trade receivables40€204k€92k▼
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€61k€181k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€506k€479k▼
Equity10/15€93k€79k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€75k€61k▼
Amounts payable17/49€413k€399k▼
Amounts payable within one year42/48€407k€264k▼
Trade debts44€42k€1k▼
Suppliers440/4€42k€1k▼
Taxes, remuneration and social security45€30k€0▼
Taxes450/3€30k€0▼
Other amounts payable47/48€336k€263k▼
Accrued charges and deferred income492/3€6k€135k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€71k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€161k€66k▼
Operating profit (loss)9901€104k€-8k▼
Financial income75/76B€220€2▼
Recurring financial income75€220€2▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€98k€-14k▼
Income taxes67/77€20k€-10▼
Profit (loss) for the period9904€79k€-14k▼
Profit (loss) for the period to be appropriated9905€79k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€61k▼
Profit (loss) brought forward from the previous period14P€-4k€75k▲
Transfer from equity791/2€0-
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-32k ▼2444%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2006
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.
Wondelgemkaai 139000 GentGround area
2,740 m²
Building footprint
2,574 m²
Volume, LiDAR
19,605 m³
Parcel 44813S0395/00X003, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.T.C. - Construct
since 20062.153.282.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44813S0395/00X003 | Flanders | 2,740 m² | 1 · 2,574 m² | 11.7 m · 2 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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RF GROUP INVEST
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 6,239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2005
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43343Specialised construction activities
45310
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.