Equity
JAW CONSTRUCT has made a profit in every financial year since 2013.
The dashed line is the sector median: 0.7% across 47,701 companies (NACE 43, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 90% of them on solvency, 89% on liquidity, 92% on profitability and 83% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 34,693 companies had the same profile as JAW CONSTRUCT has now. Each dot stands for 87 companies, two years later.
That fits the bankruptcy probability of JAW CONSTRUCT itself: < 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for JAW CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 3.8 (1.76 in 2024), above the usual 1.5. Short-term debt is 22.4% and cash 71.1% of total assets. 25% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 36 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| JAW CONSTRUCT Jette | €85,096 | €37,981 | 75.0% | - |
| CONSTRUFORT Uccle | €85,767 | €36,878 | 22.9% | - |
| LRM METAL Schaerbeek | €78,179 | €31,978 | 63.1% | - |
| LA BELLE MAISON Anderlecht | €77,887 | €31,692 | 48.2% | - |
| M.C. Interconstruct Anderlecht | €79,023 | €43,704 | 47.8% | - |
| MALL CONSTRUCTION Brussels | €93,002 | €48,943 | 61.5% | - |
| NSAP Dilbeek | €95,982 | €40,757 | 53.5% | - |
These companies have the same main activity as JAW CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €77,900 and €96,000, founded between 2011 and 2014.
JAW CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €28,739 in 2013 to €37,981 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Higher than 80% of 35,119 companies in 2025.
Higher than 78% of 34,493 companies in 2025.
Higher than 83% of 34,694 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||
20/58 |
85,096 | 93,813 | 88,460 | 66,035 | 54,199 | 40,370 | 37,323 | 33,520 | 34,942 | 46,854 | 83,871 | 57,513 | 40,801 | |
21/28 |
12,653 | 18,300 | 23,946 | 75 | 75 | 75 | 75 | 6,163 | 16,463 | 28,463 | 39,106 | 21,030 | 8,706 | |
22/27 |
12,653 | 18,300 | 23,946 | - | - | - | - | 6,088 | 16,388 | 28,388 | 39,031 | 20,955 | 8,431 | |
23 |
- | - | - | - | - | - | - | 0 | 293 | 586 | 0 | 431 | 863 | |
24 |
12,653 | 18,300 | 23,946 | - | - | - | - | 6,088 | 16,095 | 27,802 | 39,031 | 20,523 | 7,568 | |
28 |
- | - | - | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 275 | |
29/58 |
72,443 | 75,514 | 64,514 | 65,960 | 54,124 | 40,295 | 37,248 | 27,357 | 18,479 | 18,391 | 44,765 | 36,483 | 32,095 | |
29 |
75 | 75 | 75 | - | - | - | - | - | - | - | - | - | - | |
291 |
75 | 75 | 75 | - | - | - | - | - | - | - | - | - | - | |
3 |
- | - | - | - | - | 4,148 | 5,760 | - | 3,413 | - | - | 2,365 | - | |
30/36 |
- | - | - | - | - | - | - | - | - | - | - | 2,365 | - | |
37 |
- | - | - | - | - | 4,148 | 5,760 | - | 3,413 | - | - | - | - | |
40/41 |
11,814 | 12,849 | 11,845 | 8,920 | 3,667 | 18,495 | 10,158 | 9,137 | 2,112 | 5,656 | 7,408 | 7,555 | 11,545 | |
40 |
11,020 | 10,600 | 11,225 | 7,174 | 1,765 | 13,332 | 7,906 | 6,453 | - | - | 4,563 | 2,538 | 400 | |
41 |
794 | 2,249 | 620 | 1,746 | 1,902 | 5,163 | 2,252 | 2,684 | 2,112 | 5,656 | 2,845 | 5,017 | 11,145 | |
54/58 |
60,509 | 62,441 | 52,316 | 56,929 | 49,085 | 17,544 | 21,222 | 16,904 | 11,402 | 11,235 | 37,357 | 26,562 | 19,904 | |
490/1 |
45 | 149 | 278 | 111 | 1,373 | 109 | 107 | 1,316 | 1,552 | 1,500 | - | - | 647 | |
| Balance sheet: equity and liabilities | ||||||||||||||
10/49 |
85,096 | 93,813 | 88,460 | 66,035 | 54,199 | 40,370 | 37,323 | 33,520 | 34,942 | 46,854 | 83,871 | 57,513 | 40,801 | |
10/15 |
63,836 | 42,400 | 60,644 | 52,971 | 45,291 | 37,831 | 35,244 | 29,916 | 26,995 | 26,515 | 18,115 | 34,645 | 27,288 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 8,060 | 8,060 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
57,636 | 36,200 | 42,754 | 35,154 | 25,694 | 18,294 | 17,654 | 14,154 | 11,654 | 11,654 | 11,654 | 11,654 | 11,654 | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
132 |
- | - | - | - | - | 9,794 | 9,794 | 9,794 | 9,794 | 9,794 | 9,794 | 9,794 | 9,794 | |
133 |
57,636 | 36,200 | 42,754 | 35,154 | 25,694 | 8,500 | 6,000 | 2,500 | - | - | - | - | - | |
14 |
- | - | 11,690 | 11,617 | 11,537 | 11,477 | 11,390 | 9,562 | 9,141 | 8,661 | 261 | 16,791 | 9,434 | |
17/49 |
21,260 | 51,413 | 27,816 | 13,064 | 8,909 | 2,539 | 2,078 | 3,604 | 7,947 | 20,339 | 65,755 | 22,868 | 13,513 | |
17 |
2,179 | 8,529 | 14,606 | - | - | - | - | - | 1,976 | 7,450 | 16,844 | 10,458 | - | |
170/4 |
2,179 | 8,529 | 14,606 | - | - | - | - | - | 1,976 | 7,450 | 16,844 | 10,458 | - | |
42/48 |
19,081 | 42,885 | 13,210 | 13,064 | 8,909 | 2,539 | 2,078 | 3,604 | 5,970 | 12,889 | 48,911 | 12,410 | 13,513 | |
42 |
6,350 | 6,077 | 5,816 | - | - | - | - | 1,976 | 5,473 | 9,394 | 9,120 | 4,606 | - | |
44 |
1,739 | 9,063 | 1,968 | 2,386 | 3,773 | 310 | 242 | 522 | 132 | 2,058 | 5,413 | 668 | 3,755 | |
440/4 |
1,739 | 9,063 | 1,968 | 2,386 | 3,773 | 310 | 242 | 522 | 132 | 2,058 | 5,413 | 668 | 3,755 | |
45 |
9,337 | 3,245 | 5,196 | 8,851 | 5,122 | 682 | 1,837 | - | 365 | - | 5,057 | 2,642 | 4,015 | |
450/3 |
5,868 | - | 3,674 | 5,891 | 2,210 | 682 | 682 | - | 365 | - | 2,197 | 2,642 | 4,015 | |
454/9 |
3,470 | 3,245 | 1,523 | 2,960 | 2,912 | - | 1,154 | - | - | - | 2,860 | - | - | |
47/48 |
1,655 | 24,500 | 230 | 1,827 | 14 | 1,547 | - | 1,106 | - | 1,437 | 29,321 | 4,494 | 5,743 | |
| Income statement | ||||||||||||||
70 |
- | - | 140,470 | 133,782 | - | 190,499 | 202,922 | 177,128 | 154,715 | 194,519 | 203,735 | 183,735 | 201,155 | |
76A |
5,275 | - | 4,132 | - | - | - | - | - | - | - | - | - | - | |
9900 |
37,981 | 15,842 | 16,512 | 12,482 | 13,987 | 5,114 | 15,222 | 16,153 | 14,153 | 25,068 | 33,238 | 17,537 | 28,739 | |
60/61 |
- | - | 132,809 | 132,092 | - | 186,294 | 196,177 | 161,544 | 145,689 | 172,854 | 172,798 | 171,824 | 172,417 | |
630 |
5,646 | 5,646 | 4,285 | - | - | - | 6,088 | 10,300 | 10,300 | 12,000 | 12,363 | 6,275 | 2,515 | |
640/8 |
1,155 | 1,538 | 630 | 946 | 1,189 | 953 | 945 | 866 | 980 | 773 | 1,482 | 829 | 1,110 | |
66A |
- | - | - | - | - | - | - | - | 594 | - | - | - | - | |
9901 |
31,180 | 8,658 | 11,597 | 11,536 | 12,798 | 4,161 | 8,189 | 4,987 | 2,279 | 12,295 | 19,394 | 10,433 | 25,113 | |
75/76B |
16 | 159 | - | - | - | 2 | 5 | 4 | 1 | 6 | 25 | 22 | 25 | |
75 |
16 | 159 | - | - | - | 2 | 5 | 4 | 1 | 6 | 25 | 22 | 25 | |
65/66B |
823 | 1,163 | 855 | 175 | 128 | 76 | 142 | 197 | 435 | 700 | 734 | 457 | 35 | |
65 |
823 | 1,163 | 855 | 175 | 128 | 76 | 142 | 197 | 435 | 700 | 734 | 457 | 35 | |
9903 |
30,373 | 7,654 | 10,742 | 11,361 | 12,670 | 4,087 | 8,052 | 4,793 | 1,845 | 11,601 | 18,685 | 9,998 | 25,103 | |
67/77 |
8,937 | 2,491 | 3,069 | 3,681 | 5,210 | 1,500 | 2,723 | 1,872 | 1,365 | 3,202 | 7,214 | 2,642 | 4,015 | |
9904 |
21,436 | 5,163 | 7,673 | 7,680 | 7,460 | 2,586 | 5,329 | 2,921 | 480 | 8,400 | 11,471 | 7,356 | 21,088 | |
789 |
- | - | - | - | 9,794 | - | - | - | - | - | - | - | - | |
9905 |
21,436 | 5,163 | 7,673 | 7,680 | 17,254 | 2,586 | 5,329 | 2,921 | 480 | 8,400 | 11,471 | 7,356 | 21,088 | |
| Appropriation of the result | ||||||||||||||
9906 |
21,436 | 16,853 | 19,290 | 19,217 | 28,731 | 13,977 | 14,890 | 12,062 | 9,141 | 8,661 | 28,261 | 16,791 | 21,088 | |
14P |
- | 11,690 | 11,617 | 11,537 | 11,477 | - | - | - | - | - | - | - | - | |
791/2 |
- | 11,654 | - | 1,860 | - | - | - | - | - | - | - | - | - | |
691/2 |
21,436 | 5,100 | 7,600 | 9,460 | 17,194 | 2,500 | 3,500 | 2,500 | - | - | - | - | 11,654 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | 1,860 | |
6921 |
21,436 | 5,100 | 7,600 | 9,460 | 17,194 | 2,500 | 3,500 | 2,500 | - | - | - | - | 9,794 | |
694/7 |
- | 23,407 | - | - | - | - | - | - | - | - | 28,000 | - | - | |
694 |
- | 23,407 | - | - | - | - | - | - | - | - | 28,000 | - | - | |
| Document | ||||||||||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 26-06-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-06-2026 | 2026-00202158 | |
| 31-12-2024 | micro format | 19-05-2025 | 2025-00097862 | |
| 31-12-2023 | micro format | 10-06-2024 | 2024-00118615 | |
| 31-12-2022 | micro format | 30-05-2023 | 2023-00098079 | |
| 31-12-2021 | micro format | 08-06-2022 | 2022-20049711 | |
| 31-12-2020 | micro format | 07-07-2021 | 2021-32600035 | |
| 31-12-2019 | micro format | 14-09-2020 | 2020-53300203 | |
| 31-12-2018 | micro format | 16-06-2019 | 2019-20500248 | |
| 31-12-2017 | micro format | 25-06-2018 | 2018-24800125 | |
| 31-12-2016 | micro format | 05-07-2017 | 2017-28100435 | |
| 31-12-2015 | full format | 11-06-2016 | 2016-18800583 | |
| 31-12-2014 | full format | 08-07-2015 | 2015-29800396 | |
| 31-12-2013 | full format | 29-08-2014 | 2014-55000197 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 36,826 | 14,304 | 15,882 | - | - | - | 14,277 | 15,287 | 12,579 | 24,295 | 31,757 | 16,708 | 27,628 | ||
| 27,082 | 10,810 | 11,958 | - | - | - | 11,417 | 13,221 | 10,779 | 20,400 | 23,834 | 13,632 | 23,604 | ||
| 0 | 0 | 28,231 | - | - | - | 0 | 0 | -1,700 | 1,357 | 30,439 | 18,799 | 11,221 | ||
| -1,932 | 10,125 | -4,613 | 7,844 | 31,541 | -3,678 | 4,318 | 5,501 | 167 | -26,121 | 10,794 | 6,659 | - | ||
| 53,362 | 32,629 | 51,304 | 52,896 | 45,216 | 37,756 | 35,169 | 23,753 | 12,508 | 5,502 | -4,147 | 24,073 | 18,583 | ||
| - | - | 8.3% | 8.6% | - | 2.2% | 4.0% | 2.8% | 1.5% | 6.3% | 9.5% | 5.7% | 12.5% | ||
| 75.0% | 45.2% | 68.6% | 80.2% | 83.6% | 93.7% | 94.4% | 89.2% | 77.3% | 56.6% | 21.6% | 60.2% | 66.9% | ||
| 3.80 | 1.76 | 4.88 | 5.05 | 6.08 | 15.87 | 17.92 | 7.59 | 3.10 | 1.43 | 0.92 | 2.94 | 2.38 | ||
| 3.80 | 1.76 | 4.88 | 5.05 | 6.08 | 14.24 | 15.15 | 7.59 | 2.52 | 1.43 | 0.92 | 2.75 | 2.38 | ||
| 0.33 | 1.21 | 0.46 | 0.25 | 0.20 | 0.07 | 0.06 | 0.12 | 0.29 | 0.77 | 3.63 | 0.66 | 0.50 | ||
| 33.6% | 12.2% | 12.7% | 14.5% | 16.5% | 6.8% | 15.1% | 9.8% | 1.8% | 31.7% | 63.3% | 21.2% | 77.3% | ||
| 25.2% | 5.5% | 8.7% | 11.6% | 13.8% | 6.4% | 14.3% | 8.7% | 1.4% | 17.9% | 13.7% | 12.8% | 51.7% | ||
| 44.77 | 12.30 | 18.58 | - | - | - | - | - | - | - | - | - | - | ||
| - | - | 29 days | 20 days | - | 26 days | 14 days | 13 days | 5 days | 11 days | 8 days | 5 days | 1 day | ||
| - | - | 5 days | 7 days | - | 1 day | 0 days | 1 day | 0 days | 4 days | 11 days | 1 day | 8 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Carrying value of the other pledged assets | - | - | €28,231 | - | - |
| - | - | €24,159 | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €28,231 | - | - |
| €5,646 | €5,646 | €4,285 | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 3.6 times that of 2024 and the highest since 2013. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 54.8% to 25.0%. Equity is higher and debt is lower.
JAW CONSTRUCT has no parent and no holdings in its annual accounts. JAWOROWSKI Krzysztof is the only director. JAW CONSTRUCT shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Rommelaerelaan 255 registered office 1090 Jette 4100101 General construction of residential buildings | 24-01-2013 | 2.215.791.091 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21010B0080/00B002 | 348 m² | 1 · 109 m² | 10.7 m · 1 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0502.297.375
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