JB CONSTRUCT
ActiveJB CONSTRUCT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €500k and a net result of €124k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 2.05 in 2024), and 36.6% 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.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.4%
Return on assets
15.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
33 d early
2024
11 d early
2023
8 d early
2022
10 d late
2021
8 d late
2020
34 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€500k▲ 18.7%
2024 · €421k
2020: €47k
2021: €146k
2022: €239k
2023: €337k
2024: €421k
2020 → 2025
Total assets
€788k▲ 0.5%
2024 · €784k
2020: €205k
2021: €649k
2022: €630k
2023: €741k
2024: €784k
2020 → 2025
Net result
€124k▲ 36.1%
2024 · €91k
2020: €42k
2021: €111k
2022: €105k
2023: €109k
2024: €91k
2020 → 2025
Working capital
€368k▲ 43.5%
2024 · €256k
2020: €72k
2021: €45k
2022: €87k
2023: €200k
2024: €256k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€239k▲ 63.4%€337k▲ 40.9%€421k▲ 25.0%€500k▲ 18.7%
Operating result€132k-€142k▲ 7.6%€154k▲ 8.7%€130k▼ 16.0%€179k▲ 38.1%
Net result€111k-€105k▼ 5.9%€109k▲ 4.4%€91k▼ 17.0%€124k▲ 36.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €788k
Fixed assets
€186k▼ 34.2%
Current assets
€602k▲ 20.2%
Equity and liabilities €788k
Equity
€500k▲ 18.7%
Debt
€288k▼ 20.5%
The debt ratio falls from 46.3% to 36.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€286k▲
2024 · €224k
Cash flow
€231k▲
2024 · €185k
Solvency
63.4%▲
2024 · 53.7%
Current ratio
2.57▲
2024 · 2.05
Quick ratio
2.52▲
2024 · 2.05
Debt / equity
0.58▼
2024 · 0.86
ROE
24.7%▲
2024 · 21.6%
ROA
15.7%▲
2024 · 11.6%
Interest coverage
55.56▲
2024 · 43.50
Debt
€288k▼
2024 · €363k
Debt ≤ 1 year
€234k▼
2024 · €244k
Debt > 1 year
€54k▼
2024 · €118k
Income taxes
€50k▲
2024 · €34k
Staff costs
€42k▲
2024 · €39k
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€784k€788k▲
Fixed assets21/28€283k€186k▼
Tangible fixed assets22/27€283k€186k▼
Plant, machinery and equipment23€109k€77k▼
Furniture and vehicles24€133k€82k▼
Leasing and similar rights25€20k€6k▼
Other tangible fixed assets26€22k€22k▲
Current assets29/58€501k€602k▲
Stocks and contracts in progress3-€13k
Contracts in progress37-€13k
Amounts receivable within one year40/41€235k€148k▼
Trade receivables40€217k€128k▼
Other amounts receivable41€18k€20k▲
Cash at bank and in hand54/58€259k€434k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€784k€788k▲
Equity10/15€421k€500k▲
Contributions10/11€6k€6k=
Reserves13€415k€493k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€415k€493k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€363k€288k▼
Amounts payable after more than one year17€118k€54k▼
Financial debts170/4€118k€54k▼
Amounts payable within one year42/48€244k€234k▼
Current portion of amounts payable after more than one year42€71k€64k▼
Financial debts43€16k€22k▲
Credit institutions430/8€16k€22k▲
Trade debts44€135k€84k▼
Suppliers440/4€135k€84k▼
Advances received on contracts in progress46€0€457▲
Taxes, remuneration and social security45€16k€19k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€7k€45k▲
Accrued charges and deferred income492/3€810€810=
Income statement
Code20242025
Remuneration, social security and pensions62€39k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€94k€108k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€265k€330k▲
Operating profit (loss)9901€130k€179k▲
Financial income75/76B€0€151▲
Recurring financial income75€0€151▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€124k€174k▲
Income taxes67/77€34k€50k▲
Profit (loss) for the period9904€91k€124k▲
Profit (loss) for the period to be appropriated9905€91k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€124k▲
Transfer from equity791/2-€41k
Transfer to equity691/2€84k€119k▲
To other reserves6921€84k€119k▲
Profit to be distributed694/7€7k€45k▲
Return on contributions (dividend)694€2k€42k▲
Directors or managers695€5k€3k▼
The notes to these accounts (10 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
31-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 28/06/2026
- Director appointment, Justyna Bartczak (niet-statutaire bestuurder)
- Mandate compensation, Justyna Bartczak
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2020net €124k ▲36.1%
Operating result €179k, net result €124k, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
30-06
Financial
Equity above €200kEq €239k ▲63.4%
3 profitable years in a row build equity to €239k.
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
30-06
Financial
Equity above €100kEq €146k ▲211%
2 profitable years in a row build equity to €146k.
06-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Justyna Bartczak
CurrentNon-statutory director · since 01-04-2026
01-04-2026
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Lo-Reninge · 1 establishment unit since 2019
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.
Zwartestraat(Ren) 88647 Lo-ReningeGround area
876 m²
Building footprint
144 m²
Volume, LiDAR
763 m³
Parcel 32021D0130/00K000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BARTCZAK JAKUB
since 20192.287.981.659
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32021D0130/00K000 | Flanders | 876 m² | 1 · 144 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,017 EUR awarded · 676 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 341 EUR | 340 EUR |
| 2024 | 1 | 340 EUR | 336 EUR |
| 2023 | 1 | 336 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LAUFFS Mathias et Fils
BE 0430.258.841
Raeren · Eq €500k
DE VOS MECHANIEK
BE 0894.813.122
Lokeren · Eq €501k
WILLE METAALCONSTRUCTIE
BE 0562.722.338
Oostrozebeke · Eq €497k
Boury Constructie
BE 0505.654.961
Ieper · Eq €503k
SDD Construct
BE 0666.967.446
Puurs-Sint-Amands · Eq €495k
Of 3,964 companies in sector 25110 we hold annual accounts for 2,132. 1,546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end30-06
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
43990Other specialised construction activities
43999Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495296877