J & T Projects
ActiveJ & T Projects has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €-20k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32▼-20
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 ample (current ratio 4.78 against 6.04 in 2024; short-term debt: 7.6% and cash: 26.8% of total assets), and 7.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
92.4%
Return on assets
-31.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-20k
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
30 d early
2023
29 d early
2022
45 d early
2021
4 d late
2020
2 d early
2019
65 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€60k▼ 25.3%
2024 · €80k
2018: €65k
2019: €64k
2020: €79k
2021: €69k
2022: €99k
2023: €100k
2024: €80k
2018 → 2025
Total assets
€65k▼ 27.9%
2024 · €90k
2018: €83k
2019: €110k
2020: €88k
2021: €84k
2022: €113k
2023: €146k
2024: €90k
2018 → 2025
Net result
€-20k▼ 5.9%
2024 · €-19k
2018: €15k
2019: €25k
2020: €4k
2021: €24k
2022: €32k
2023: €31k
2024: €-19k
2018 → 2025
Working capital
€19k▼ 60.9%
2024 · €48k
2018: €61k
2019: €58k
2020: €68k
2021: €56k
2022: €82k
2023: €60k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€99k▲ 43.5%€100k▲ 0.7%€80k▼ 19.3%€60k▼ 25.3%
Operating result€26k-€43k▲ 63.2%€41k▼ 4.2%€-16k€-20k▼ 23.8%
Net result€24k-€32k▲ 29.1%€31k▼ 2.8%€-19k€-20k▼ 5.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €20k in 2025 against €16k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€41k▲ 26.0%
Current assets
€24k▼ 58.8%
Equity and liabilities €65k
Equity
€60k▼ 25.3%
Debt
€5k▼ 49.8%
The debt ratio falls from 10.9% to 7.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €-4k
Cash flow
€-9k▼
2024 · €-7k
Solvency
92.4%▲
2024 · 89.1%
Current ratio
4.78▼
2024 · 6.04
Quick ratio
4.78▼
2024 · 6.04
Debt / equity
0.08▼
2024 · 0.12
ROE
-33.8%▼
2024 · -23.9%
ROA
-31.2%▼
2024 · -21.2%
Interest coverage
1453.81▲
2024 · -27.99
Debt
€5k▼
2024 · €10k
Debt ≤ 1 year
€5k▼
2024 · €10k
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€90k€65k▼
Fixed assets21/28€33k€41k▲
Tangible fixed assets22/27€33k€41k▲
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€29k€39k▲
Current assets29/58€57k€24k▼
Amounts receivable within one year40/41€26k€5k▼
Trade receivables40€14k€5k▼
Other amounts receivable41€12k-
Cash at bank and in hand54/58€31k€17k▼
Deferred charges and accrued income490/1€958€1k▲
Equity and liabilities
Total equity and liabilities10/49€90k€65k▼
Equity10/15€80k€60k▼
Contributions10/11€19k€19k=
Reserves13€62k€42k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€60k€42k▼
Amounts payable17/49€10k€5k▼
Amounts payable within one year42/48€10k€5k▼
Trade debts44€71€405▲
Suppliers440/4€71€405▲
Taxes, remuneration and social security45€5k€537▼
Taxes450/3€5k€537▼
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3€361-
Income statement
Code20242025
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€993€706▼
Gross operating margin9900€-3k€-8k▼
Operating profit (loss)9901€-16k€-20k▼
Financial income75/76B€22€0▼
Recurring financial income75€22€0▼
Financial charges65/66B€3k€-6▼
Recurring financial charges65€157€-6▼
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€-19k€-20k▼
Profit (loss) for the period9904€-19k€-20k▼
Profit (loss) for the period to be appropriated9905€-19k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-20k▼
Transfer from equity791/2€19k€20k▲
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 6.04
Current ratio from 2.29 to 6.04; short-term debt falls from €46k to €10k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €32k ▲29.1%
Operating result €43k, net result €32k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 8.89
Current ratio from 2.27 to 8.89; short-term debt falls from €46k to €9k.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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
2 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, Leopoldsburg · 1 establishment unit since 2015
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.
Driesstraat 143971 LeopoldsburgGround area
1,814 m²
Building footprint
225 m²
Volume, LiDAR
1,115 m³
Parcel 71023A0562/00H000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Driesstraat 14, 3971 Leopoldsburg
since 20152.244.214.269
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71023A0562/00H000 | Flanders | 1,814 m² | 1 · 225 m² | 7.1 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.
Similar companies · same sector, comparable size
HET FEESTKASTEEL
BE 0550.863.196
Hulshout · Eq €60k
HYDRO - DESIGN
BE 0458.262.444
Kapellen · Eq €61k
COPPER BEECH
BE 0894.020.987
Kraainem · Eq €57k
MADINA LEGUE BUSINESS
BE 0842.038.291
Schaarbeek · Eq €64k
MERALUNE
BE 0802.867.416
Brugge · Eq €54k
Of 277 companies in sector 47519 we hold annual accounts for 130. 103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2015
Fiscal year end31-12
Activities, NACEBEL
47519Retail trade
42110Construction of roads and motorways
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
47511Retail trade
47512Retail sale of household textiles and bedding
47513Retail trade
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.