JARDICONSTRUCT
ActiveSummary
The annual accounts of JARDICONSTRUCT for fiscal year 2025 show a net loss of 91% of the equity at the start of that year. The 2025 annual accounts show equity of €2,240 and a net result of -€22,302. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 4544 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▼-66
Solvency26▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.33 against 1.27 in 2024; short-term debt: 32.6% and cash: 2.4% of total assets), and 99.2% of the assets are financed with debt.
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Signals
Five 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
0.8%
Return on assets
-8.2%
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 13% of 4544 sector peers (2025).
NBB · sector comparisonPosition among 4544 sector peers
Solvency
better than 13%
← weakest
strongest →
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
27 d late
2022
45 d late
2021
78 d late
2020
31 d late
2019
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2,240▼ 90.9%
2024 · €24,542
Total assets
€270,358▲ 205%
2024 · €88,577
Net result
-€22,302
2024 · €37,997
Working capital
-€58,975
2024 · €11,634
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€25,204-€19,294-€6,274▲ 67.5%€42,576-€11,236
Net result€21,958-€19,754-€7,263▲ 63.2%€37,997-€22,302
Equity€13,562-€6,191-€13,455▼ 117%€24,542€2,240▼ 90.9%
Total assets€137,416▲ 23.6%€60,496▼ 56.0%€53,361▼ 11.8%€88,577▲ 66.0%€270,358▲ 205%
Debt€123,854▲ 3.6%€66,688▼ 46.2%€66,816▲ 0.2%€64,035▼ 4.2%€268,118▲ 319%
Working capital-€7,450▲ 75.6%-€26,858▼ 261%-€29,495▼ 9.8%€11,634-€58,975
Staff (FTE)3.3▲ 10.0%3.9▲ 18.2%1.9▼ 51.3%1.8▼ 5.3%3.8▲ 111%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11,236 after €42,576 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €270,358
Fixed assets
€241,135 ▲ 611%
Current assets
€29,223 ▼ 46.6%
Equity and liabilities €270,358
Equity
€2,240 ▼ 90.9%
Debt
€268,118 ▲ 319%
Debt's share of the balance-sheet total rises from 72.3% to 99.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35,309▼
2024 · €61,285
Cash flow
€24,244▼
2024 · €56,705
Current ratio
0.33▼
2024 · 1.27
ROE
-995.5%▼
2024 · 154.8%
ROA
-8.2%▼
2024 · 42.9%
Interest coverage
3.04▼
2024 · 46.79
Debt ≤ 1 year
€88,198▲
2024 · €43,048
Debt > 1 year
€179,920▲
2024 · €20,987
Income taxes
-€527▼
2024 · €4,086
Staff costs
€116,096▲
2024 · €63,640
A ratio outside any meaningful range has been withheld (balance sheet total €270,358, equity €2,240).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €60,740 | €68,760 | €36,964 | €63,640 | €116,096 | ▲ 82.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,225 | €20,339 | €20,274 | €18,709 | €46,545 | ▲ 149% |
| Other operating charges640/8 | €651 | €1,292 | €2,842 | €1,900 | €4,967 | ▲ 161% |
| Gross operating margin9900 | €107,820 | €71,097 | €53,805 | €126,825 | €156,372 | ▲ 23.3% |
| Operating profit (loss)9901 | €25,204 | -€19,294 | -€6,274 | €42,576 | -€11,236 | ▼ 126% |
| Financial income75/76B | €267 | €471 | €94 | €816 | €9 | ▼ 98.8% |
| Recurring financial income75 | €267 | €471 | €94 | €816 | €9 | ▼ 98.8% |
| Financial charges65/66B | €1,498 | €885 | €656 | €1,310 | €11,602 | ▲ 786% |
| Recurring financial charges65 | €1,498 | €885 | €656 | €1,310 | €11,602 | ▲ 786% |
| Profit (loss) for the period before taxes9903 | €23,973 | -€19,709 | -€6,836 | €42,082 | -€22,829 | ▼ 154% |
| Income taxes67/77 | €2,016 | €45 | €427 | €4,086 | -€527 | ▼ 113% |
| Profit (loss) for the period9904 | €21,958 | -€19,754 | -€7,263 | €37,997 | -€22,302 | ▼ 159% |
| Profit (loss) for the period to be appropriated9905 | €21,958 | -€19,754 | -€7,263 | €37,997 | -€22,302 | ▼ 159% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €137,416 | €60,496 | €53,361 | €88,577 | €270,358 | ▲ 205% |
| Fixed assets21/28 | €55,229 | €41,607 | €23,533 | €33,895 | €241,135 | ▲ 611% |
| Tangible fixed assets22/27 | €53,929 | €41,607 | €23,533 | €33,895 | €241,135 | ▲ 611% |
| Plant, machinery and equipment23 | €8,237 | €4,544 | €1,986 | €24,561 | €14,869 | ▼ 39.5% |
| Furniture and vehicles24 | €11,480 | €12,059 | €5,419 | €2,083 | €16,099 | ▲ 673% |
| Leasing and similar rights25 | €34,212 | €25,003 | €16,127 | €7,251 | €210,166 | ▲ 2,798% |
| Financial fixed assets28 | €1,300 | - | - | - | - | - |
| Current assets29/58 | €82,187 | €18,890 | €29,829 | €54,682 | €29,223 | ▼ 46.6% |
| Amounts receivable within one year40/41 | €81,438 | €16,670 | €19,167 | €27,233 | €12,239 | ▼ 55.1% |
| Trade receivables40 | €79,812 | €16,593 | €6,993 | €8,116 | €10,572 | ▲ 30.3% |
| Other amounts receivable41 | €1,626 | €77 | €12,175 | €19,117 | €1,667 | ▼ 91.3% |
| Cash at bank and in hand54/58 | €16 | €1,405 | €9,082 | €24,968 | €6,588 | ▼ 73.6% |
| Deferred charges and accrued income490/1 | €733 | €815 | €1,579 | €2,481 | €10,396 | ▲ 319% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €137,416 | €60,496 | €53,361 | €88,577 | €270,358 | ▲ 205% |
| Equity10/15 | €13,562 | -€6,191 | -€13,455 | €24,542 | €2,240 | ▼ 90.9% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Reserves13 | - | - | - | €18,042 | €18,042 | = |
| Distributable reserves133 | - | - | - | €18,042 | €18,042 | = |
| Profit (loss) carried forward14 | €7,062 | -€12,691 | -€19,955 | - | -€22,302 | - |
| Amounts payable17/49 | €123,854 | €66,688 | €66,816 | €64,035 | €268,118 | ▲ 319% |
| Amounts payable after more than one year17 | €34,217 | €20,940 | €7,493 | €20,987 | €179,920 | ▲ 757% |
| Financial debts170/4 | €34,217 | €20,940 | €7,493 | €20,987 | €179,920 | ▲ 757% |
| Amounts payable within one year42/48 | €89,637 | €45,748 | €59,323 | €43,048 | €88,198 | ▲ 105% |
| Current portion of amounts payable after more than one year42 | €13,244 | €13,278 | €13,447 | €12,811 | €40,463 | ▲ 216% |
| Financial debts43 | €533 | - | - | - | - | - |
| Credit institutions430/8 | €533 | - | - | - | - | - |
| Trade debts44 | €48,034 | €7,825 | €31,339 | €8,991 | €16,812 | ▲ 87.0% |
| Suppliers440/4 | €48,034 | €7,825 | €31,339 | €8,991 | €16,812 | ▲ 87.0% |
| Taxes, remuneration and social security45 | €27,826 | €24,645 | €14,538 | €21,246 | €19,507 | ▼ 8.2% |
| Taxes450/3 | €13,342 | €17,919 | €9,984 | €11,562 | €6,975 | ▼ 39.7% |
| Remuneration and social security454/9 | €14,484 | €6,727 | €4,553 | €9,684 | €12,532 | ▲ 29.4% |
| Other amounts payable47/48 | - | €0 | - | - | €11,416 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,958 | -€19,754 | -€7,263 | €37,997 | -€22,302 | ▼ 159% |
| + Depreciation and write-downs630 | €21,225 | €20,339 | €20,274 | €18,709 | €46,545 | ▲ 149% |
| Operating cash flow (approximation) | €43,183 | €586 | €13,010 | €56,705 | €24,244 | ▼ 57.2% |
| Investment in fixed assets (approximation) | - | -€6,716 | -€2,200 | -€29,071 | -€253,785 | ▼ 773% |
| Change in cash | - | €1,389 | €7,678 | €15,886 | -€18,381 | ▼ 216% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €37,997
Net result €37,997 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.27
Current ratio from 0.50 to 1.27; short-term debt falls from €59,323 to €43,048.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Back to profitnet €21,958
Net result €21,958 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Back to profitnet €41,831
Net result €41,831 after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
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.
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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, Blégny · 1 establishment unit since 2017
Ground area
1,032 m²
Building footprint
71 m²
Volume, LiDAR
537 m³
Parcel 62103B0484/00W006, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JARDICONSTRUCT
since 20172.267.325.708
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62103B0484/00W006 | Wallonia | 1,032 m² | 1 · 71 m² | 9.5 m · 3 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.
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Of 21,225 companies in sector 81300 we hold annual accounts for 4,366. 951 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
Founded22-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
42990Civil engineering
43230Insulation installation
43240Other construction installation
43350Other building finishing work
Contact
Website
www.jardiconstruct.be
E-mail
jardiconstruct@hotmail.com
Scores and ratios are computed by Checked and are not a credit decision.