Checked.be
Active
BE 0477.022.145Private limited company
J TECHNICS
Kleine Kouterstraat(VRA) 2A ·9120 Beveren-Kruibeke-Zwijndrecht, Belgium· 24 yrs active
Sector: Other construction installation
(43240)
Conclusion
J TECHNICS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €4k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 7448 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €152k |
| Net result | €4k |
| Staff (FTE) | 2.7 |
| Better than sector | 28% |
Financial profile
54
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
61
Profitability
12
Solvency
47
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2002, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
61
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€9k
estimate, not credit advice
Score history
58
2021
51
2022
59
2023
59
2024
61
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.29 (≥ 1.0)
+5
Quick ratio
Quick ratio 0.20 (< 0.6)
-5
Profitability
ROE 2%
+3
Interest coverage
Interest coverage 94.8× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~6.1%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 26.3% | 44.0% | |
| Net result | €4k | €30k | |
| Equity | €152k | €276k | |
| Gross operating margin | €173k | €275k | |
| Staff costs | €143k | €244k |
€28k
-26.4%
21-25
€4k
-55.9%
21-25
€26k
-2.4%
21-25
€578k
-8.8%
21-25
€152k
+2.5%
21-25
€94k
+18.7%
21-25
3
0.0%
21-25
€143k
-14.4%
21-25
€2k
-43.3%
21-25
€426k
-12.3%
21-25
€326k
-15.4%
21-25
€100k
0.0%
21-25
1.29
+6.9%
21-25
0.20
-59.3%
21-25
26.3%
+12.4%
21-25
2.80
-14.4%
21-25
2.5%
-57.0%
21-25
0.6%
-51.6%
21-25
94.80
+1989.2%
21-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | -26.4% | -4.1% | +9.5% | -41.0% | - |
| Net profit | -55.9% | +4.2% | +8.2% | -73.7% | - |
| Cash flow | -2.4% | -10.5% | -4.7% | -43.9% | - |
| Staff costs | -14.4% | -10.5% | +20.6% | +16.3% | - |
| Income taxes | -43.3% | +6.8% | +42.7% | -29.0% | - |
| Dividends | - | - | - | - | - |
| Total assets | -8.8% | +9.5% | -5.1% | +4.3% | - |
| Equity | +2.5% | +6.1% | +6.2% | +6.1% | - |
| Debt | -12.3% | +10.6% | -8.2% | +3.8% | - |
| of which ≤ 1y | -15.4% | +13.8% | -10.3% | +8.0% | - |
| of which > 1y | 0.0% | 0.0% | 0.0% | -9.5% | - |
| Working capital | +18.7% | +20.0% | +46.4% | +81.4% | - |
| Employees (FTE) | 0.0% | -10.0% | 0.0% | 0.0% | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.29 | 1.20 | 1.19 | 1.12 | 1.07 |
| Quick ratio | 0.20 | 0.48 | 0.35 | 0.20 | 0.14 |
| Working capital ratio | 16.2% | 12.4% | 11.4% | 7.4% | 4.2% |
| Solvency | 26.3% | 23.4% | 24.2% | 21.6% | 21.3% |
| Debt / equity | 2.80 | 3.27 | 3.13 | 3.62 | 3.70 |
| Long-term debt ratio | 0.66 | 0.67 | 0.71 | 0.76 | 0.89 |
| Interest coverage | 94.80 | 4.54 | 5.95 | 10.89 | 16.81 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 0.6% | 1.3% | 1.4% | 1.2% | 4.9% |
| ROE | 2.5% | 5.7% | 5.8% | 5.7% | 23.1% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (28 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €578k | €633k | €578k | €609k | €584k |
| Fixed assets | 21/28 | €159k | €170k | €174k | €187k | €210k |
| Formation expenses | 20 | €0 | €0 | - | - | - |
| Intangible fixed assets | 21 | €66k | €66k | €66k | €66k | €66k |
| Tangible fixed assets | 22/27 | €93k | €104k | €108k | €119k | €143k |
| Financial fixed assets | 28 | - | - | - | €2k | €2k |
| Current assets | 29/58 | €419k | €464k | €404k | €422k | €374k |
| Stocks & contracts in progress | 3 | €355k | €277k | €285k | €347k | €324k |
| Amounts receivable within one year | 40/41 | €20k | €127k | €79k | €10k | €6k |
| Investments | 50/53 | €5k | €5k | €5k | €5k | €5k |
| Cash & bank | 54/58 | €33k | €49k | €29k | €54k | €34k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €578k | €633k | €578k | €609k | €584k |
| Equity | 10/15 | €152k | €148k | €140k | €132k | €124k |
| Contributions / capital | 10/11 | €35k | €35k | €35k | €35k | €35k |
| Reserves | 13 | €4k | €4k | €4k | €4k | €4k |
| Accumulated profits (losses) | 14 | €114k | €110k | €101k | €93k | €86k |
| Amounts payable | 17/49 | €426k | €485k | €438k | €477k | €460k |
| Amounts payable after one year | 17 | €100k | €100k | €100k | €100k | €111k |
| Amounts payable within one year | 42/48 | €326k | €385k | €338k | €377k | €349k |
| Trade debts payable within one year | 44 | €43k | €104k | €56k | €100k | €85k |
| Income statement | ||||||
| Gross operating margin | 9900 | €173k | €208k | €229k | €193k | €198k |
| Operating result | 9901 | €6k | €21k | €19k | €13k | €36k |
| Financial income | 75 | €44 | €590 | - | €331 | €413 |
| Financial charges | 65 | €298 | €8k | €7k | €3k | €4k |
| Result before taxes | 9903 | €6k | €13k | €12k | €10k | €33k |
| Income taxes | 67/77 | €2k | €4k | €4k | €3k | €4k |
| Net result for the period | 9904 | €4k | €9k | €8k | €8k | €29k |
| Result to be appropriated | 9905 | €4k | €9k | €8k | €8k | €29k |
Legal Structure
| NACE primary | Other construction installation(43240) |
| Legal form | Private limited company(610) |
| Incorporation | 11-03-2002 |
| Status | Active |
| Postal code | 9120 |
Establishment units
J TECHNICS BVBA
since 20022.095.795.559
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46028D0696/00W000 | Flanders | 1,589 m² | 1 · 260 m² | 7.2 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼55.9%
Net result drops to €4k, the lowest in the series.
31-12
Financial
Equity above €150kEq €152k ▲2.5%
5 profitable years in a row build equity to €152k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Other construction installation43240Specialised construction activities43299Joinery installation43320General electrical installation work4321145310
Names & trade names
| Legal nameNL | J TECHNICS |
Similar companies
RAR Outdoor Concept
BE 0778.985.719 · Oreye
DISTRINOX BELUX
BE 0803.363.797 · Wavre
NOVO
BE 0544.806.933 · Havelange
HOME'S FEELING
BE 0894.551.222 · Watermaal-Bosvoorde
KALKEO
BE 0721.609.031 · Kraainem